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Updated 2025 Tax Year

Chambers County
Property Tax Guide

Everything you need to know about property taxes in Chambers County, AL. Rates, due dates, exemptions, and how it affects your monthly payment.

8 Official Sources
8 min read
Quick Facts
Tax Rate
0.8% to 1.2% of assessed value (varies by district and special taxing areas)
1st Due
Oct 1
Exemptions
4+ Available
Section 1

How Property Tax Works

Property taxes in Chambers County, Alabama, are the primary source of funding for essential local services including public schools, county operations, road maintenance, and emergency services. The county operates on a fiscal year basis with taxes due annually on October 1st and becoming delinquent after December 31st. Property is assessed at fair market value by the County Assessor, with tax rates applied to the full assessed value.

Effective tax rates in Chambers County typically range from approximately 0.8% to 1.2% of assessed value, though actual rates vary significantly by location within the county due to special taxing districts such as school districts, municipal boundaries, and special assessment areas. Property owners should verify their specific tax rate based on their exact location and applicable taxing jurisdictions. The county follows Alabama's standard assessment practices with no assessment growth cap at the state level, making local tax credits particularly important for eligible homeowners.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $1,000)Description
County General Fund$6.50Basic county operations and services
County Schools$12.00-15.00Varies by school district boundaries
State of Alabama$6.50State-mandated property tax
Special Districts$0.00-8.00Fire districts, library districts, municipal taxes where applicable
Total Estimated Range$25.00-35.50Varies by specific location and districts

Rates shown are estimates for FY 2024-2025 and are subject to annual adjustment by the respective taxing authorities. Actual rates depend on your property's location within specific taxing districts. Contact the Chambers County Revenue Commissioner at (334) 864-4370 for your exact millage rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Chambers County, property taxes are due in two installments:

First Installment
Oct 1
Delinquent after Dec 10
Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes in Chambers County are additional tax assessments that occur when there are changes to property ownership, new construction, or improvements that increase assessed value during the tax year. These assessments are prorated based on the number of months remaining in the fiscal year after the change occurs.

Common triggers include: completion of new construction or major renovations, changes in property use classification, discovery of previously unassessed improvements, or correction of assessment errors. For example, if you complete a $50,000 home addition in March (6 months into the fiscal year), you would owe supplemental taxes on that added value for the remaining 6 months of that tax year, calculated as: ($50,000 × applicable tax rate ÷ 12 months × 6 remaining months). Supplemental tax bills are typically issued within 60-90 days of the triggering event.

Example Calculation

Example 1: $300,000 Home with Homestead Credit

  • Assessed Value: $300,000
  • Homestead Credit Applied: -$4,000 (requires application)
  • Net Taxable Value: $296,000
  • Tax Rate: 28.50 per $1,000
  • Annual Tax: $8,436
  • Monthly Escrow: $703

Example 2: $600,000 Home with Homestead Credit

  • Assessed Value: $600,000
  • Homestead Credit Applied: -$4,000 (requires application)
  • Net Taxable Value: $596,000
  • Tax Rate: 30.00 per $1,000
  • Annual Tax: $17,880
  • Monthly Escrow: $1,490

Example 3: $1,000,000 Home (No Credits)

  • Assessed Value: $1,000,000
  • Credits Applied: $0 (above income limits)
  • Net Taxable Value: $1,000,000
  • Tax Rate: 32.50 per $1,000
  • Annual Tax: $32,500
  • Monthly Escrow: $2,708

Note: All credits require annual application and income verification. Tax rates vary by specific location within the county.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Chambers County require property tax escrow accounts for borrowers with less than 20% equity. Lenders collect 1/12th of the annual property tax bill with each monthly mortgage payment, holding these funds in an escrow account to pay taxes when due on October 1st. Your lender will typically pay your property taxes directly to the Chambers County Revenue Commissioner's office.

Lenders are required to provide annual escrow analysis statements showing the account balance and projected payments. If your tax bill increases significantly due to reassessment or rate changes, your monthly escrow payment will be adjusted accordingly. Property owners remain responsible for verifying that taxes are paid correctly and on time, even when using escrow services. You can verify payment status by contacting the Revenue Commissioner's office at (334) 864-4370 or checking online payment records if available.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are property taxes due in Chambers County for FY 2024-2025? A: Property taxes are due October 1st annually and become delinquent after December 31st. A 10% penalty is added to delinquent taxes.

Q: What tax credits are available and do they require application? A: The primary credit is the Homestead Credit (up to $4,000 off your tax bill), which requires annual application and proof of primary residence. Additional credits may be available for disabled veterans, seniors, and agricultural use - all require separate applications.

Q: How does the Homestead Credit work? A: The Homestead Credit provides up to $4,000 reduction in your actual tax bill (not assessed value) if you occupy the property as your primary residence. You must apply annually with the County Assessor's office and provide proof of residency.

Q: When must I apply for the Homestead Credit? A: Applications are typically due by December 31st for the following tax year. Contact the Chambers County Assessor at (334) 864-4360 for specific deadlines and required documentation.

Q: How often are properties reassessed? A: Alabama law requires reassessment every 4 years, though the County Assessor may review individual properties more frequently based on sales data or improvements.

Q: How do I appeal my property assessment? A: File an appeal with the Chambers County Board of Equalization within 30 days of receiving your assessment notice. Appeals must include supporting documentation such as recent appraisals or comparable sales.

Q: What happens if I pay my taxes late? A: A 10% penalty is added immediately after December 31st. Additional interest accrues monthly, and properties may be subject to tax sale proceedings for extended delinquency.

Q: Can I pay property taxes online? A: Contact the Chambers County Revenue Commissioner at (334) 864-4370 to verify current online payment options and accepted payment methods.

Q: Why do tax rates vary within Chambers County? A: Different areas are served by different school districts, fire districts, and municipalities, each with their own tax rates. Your total rate depends on all applicable taxing jurisdictions for your specific property location.

Q: Do I need to notify the county if I make home improvements? A: While not required to self-report, the Assessor may discover improvements through aerial photography, building permits, or field inspections. Significant improvements will increase your assessed value and property taxes.

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