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Updated 2025 Tax Year

Cherokee County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
32.5 mills county rate (varies by location due to special districts and municipalities)
1st Due
Oct 1
Exemptions
4+ Available
Section 1

How Property Tax Works

Cherokee County's property tax system provides essential funding for county government services, local school districts, and various special taxing districts throughout the region. Property taxes support critical services including education, public safety, road maintenance, and local infrastructure improvements. The county operates under Alabama's property tax framework, where properties are assessed at fair market value and taxed according to millage rates set by various local taxing authorities.

The effective tax rate in Cherokee County varies significantly by location within the county due to different combinations of special taxing districts, school districts, and municipal boundaries. With a county millage rate of 32.5 mills, property owners can expect their total effective tax rate to range from approximately 0.57% to over 1.0% of assessed value depending on their specific location and applicable district taxes. Property owners should verify their exact tax rate by consulting their tax bill or contacting the Cherokee County Revenue Commissioner, as rates differ between areas served by different school districts and special assessment zones.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
County General Fund32.5Basic county operations and services
School DistrictVariesFunding for local school districts (varies by district)
Special DistrictsVariesAdditional assessments for specific services or improvements
Total Effective Rate~57.26 millsApproximate combined rate (varies by location)

Rates shown are for informational purposes and apply to the current tax year. The total effective rate of approximately 57.26 mills (5.73%) represents an average across the county. Your actual tax rate may be higher or lower depending on your property's location within specific school districts, municipal boundaries, and special taxing districts. Contact the Cherokee County Revenue Commissioner for your property's exact millage rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Cherokee 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

Cherokee County may impose supplemental taxes when there are changes in property ownership, new construction, or improvements that increase a property's assessed value after the regular assessment period. Based on the research data indicating a supplemental tax structure, these additional assessments are calculated on the increased value and prorated for the remaining portion of the tax year.

For example, if you complete a $50,000 home addition in March and the regular assessment was completed in January, a supplemental tax bill would be issued for the added value from March through the end of the fiscal year. The supplemental tax would be calculated by applying the current millage rate to the $50,000 improvement value, then prorating for the 10 months remaining in the tax year. Property owners typically receive supplemental tax bills within 30-60 days of the triggering event and should budget accordingly for these additional assessments.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Available Tax Credits Applied: $0 (assuming no credits claimed)
  • Net Taxable Value: $300,000
  • Tax Rate: 57.26 mills (5.726%)
  • Annual Property Tax: $17,178
  • Monthly Escrow: $1,432

Example 2: $600,000 Home (with Homestead Credit)

  • Assessed Value: $600,000
  • Homestead Assessment Cap Benefit: Varies based on assessment increase limitations
  • Net Taxable Value: $600,000
  • Tax Rate: 57.26 mills (5.726%)
  • Annual Property Tax: $34,356
  • Monthly Escrow: $2,863

Example 3: $1,000,000 Home (with Senior/Disability Credits)

  • Assessed Value: $1,000,000
  • Tax Credits Applied: Varies (requires application and income qualification)
  • Net Taxable Value: $1,000,000 (before applicable credits)
  • Tax Rate: 57.26 mills (5.726%)
  • Annual Property Tax: $57,260 (before credits)
  • Monthly Escrow: $4,772 (before credits)

Note: All tax credits require separate applications and qualification. Homestead credits limit assessment increases rather than reducing market value. Contact the Cherokee County Assessor for current credit amounts and application requirements.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Cherokee County require borrowers to maintain an escrow account for property tax payments, especially for loans with less than 20% down payment. Your lender will estimate your annual property tax liability and divide it by 12 to determine your monthly escrow payment. The lender typically collects an additional 2-3 months of taxes at closing to ensure adequate funds are available when taxes become due.

Property taxes in Cherokee County are due October 1st and become delinquent after December 31st. Lenders usually pay your taxes in September or early October to avoid any late penalties. You should receive an annual escrow analysis from your lender showing the previous year's tax payments and any adjustments needed for the coming year. If your property taxes increase significantly due to reassessment or rate changes, your monthly escrow payment will be adjusted accordingly. Property owners can verify that their lender has paid taxes correctly by checking with the Cherokee County Revenue Commissioner's office.

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 Cherokee County? A: Property taxes are due October 1st and become delinquent after December 31st for the current fiscal year.

Q: What tax credits are available and do I need to apply? A: Available tax credits include homestead credits for primary residences, senior citizen credits for those 65+ with income under $12,000, and disability/blind person credits. All credits require separate applications filed with the Cherokee County Assessor's office - they are not automatic.

Q: How does the homestead credit work? A: The homestead credit primarily limits assessment increases on your primary residence rather than reducing the property's market value. You must file an application with the Assessor's office to establish eligibility, and the credit helps cap how much your assessment can increase year-over-year.

Q: When is the application deadline for tax credits? A: Contact the Cherokee County Assessor's office for specific application deadlines, as these vary by credit type and typically must be filed by specific dates to apply to the current tax year.

Q: How often are properties reassessed? A: Alabama properties are subject to reassessment, but frequency varies. Contact the Cherokee County Assessor for the current reassessment schedule and appeal process if you disagree with your assessment.

Q: What are the penalties for late payment? A: Properties become delinquent after December 31st and may be subject to additional penalties and interest. Delinquent properties can eventually be sold at auction to recover unpaid taxes.

Q: Can I pay my property taxes online? A: Contact the Cherokee County Revenue Commissioner's office to inquire about online payment options and accepted payment methods.

Q: Why did my tax bill increase when I live in the same house? A: Tax increases can result from higher assessments, increased millage rates, or additional special district taxes. Your rate may also vary if you're in a different school district or special taxing district than neighboring properties.

Q: How do I appeal my property assessment? A: Contact the Cherokee County Board of Equalization for information about the appeals process, deadlines, and required documentation to challenge your property's assessed value.

Q: What's the difference between county taxes and school district taxes on my bill? A: Your total tax bill includes separate millage rates for county services (32.5 mills) and your local school district (varies by district). The combination of these rates plus any special districts determines your total effective tax rate.

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