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Updated 2025 Tax Year

Chilton County
Property Tax Guide

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

9 Official Sources
8 min read
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Quick Facts
Tax Rate
32.5 mills (3.25% of assessed value) - varies by municipality and special districts
1st Due
Oct 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Property taxes in Chilton County, Alabama, fund essential local services including public schools, county operations, municipal services, and various special districts. The county operates under Alabama's property tax system, where properties are assessed at their fair market value and taxed at rates set by multiple overlapping jurisdictions including the county, municipalities, school districts, and special taxing districts.

For the 2025 tax year, Chilton County's total property tax rate is 32.5 mills (3.25% of assessed value). However, your actual tax rate may vary depending on your specific location within the county, as different areas are served by different municipalities, school districts, and special taxing districts. Properties are reassessed periodically, and Alabama does not have a statewide assessment cap, though certain tax credits may limit assessment increases for qualifying homeowners.

The effective tax rate on market value is generally lower than other states due to Alabama's assessment practices and available tax credits. Property owners should note that most tax credits require annual application and are not automatically applied to your tax bill.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
County General~8.5County government operations, services
County School~12.0Chilton County School District
State Property Tax~6.5Alabama state property tax
MunicipalVariesCity/town taxes (if applicable)
Special DistrictsVariesFire districts, library districts, etc.
Total Base Rate32.5Combined rate for most areas

Rates shown are for Levy Year 2025 and may vary by specific location within Chilton County. Properties within incorporated cities may have additional municipal taxes. Properties in special taxing districts (fire protection, libraries, etc.) will have additional assessments. Contact the Chilton County Revenue Commissioner at (205) 755-2923 for your exact tax rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Chilton 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 Chilton County are additional property tax bills issued when there are changes to property ownership, value, or use during the tax year. Common triggers include new construction completion, property improvements, ownership transfers, or corrections to assessments discovered after the main tax roll is finalized.

Supplemental taxes are calculated by applying the current year's tax rate to the change in assessed value, prorated for the portion of the tax year the change was in effect. For example, if you complete a $100,000 home addition in July, you would receive a supplemental tax bill for roughly half the year (6 months) on the additional assessed value of that improvement.

These supplemental bills are typically issued within 30-60 days of the triggering event and have the same payment due dates as regular property taxes. If issued after the October 1 due date, they may have an adjusted payment schedule to allow reasonable time for payment.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value: $300,000
  • Less: Basic Homestead Credit: -$4,000 (requires application)
  • Net Taxable Value: $296,000
  • Annual Tax: $296,000 × 0.0325 = $9,620
  • Monthly (if escrowed): $802

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value: $600,000
  • Less: Basic Homestead Credit: -$4,000 (requires application)
  • Net Taxable Value: $596,000
  • Annual Tax: $596,000 × 0.0325 = $19,370
  • Monthly (if escrowed): $1,614

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value: $1,000,000
  • Less: Basic Homestead Credit: -$4,000 (requires application)
  • Net Taxable Value: $996,000
  • Annual Tax: $996,000 × 0.0325 = $32,370
  • Monthly (if escrowed): $2,698

Examples assume base 32.5 mill rate and basic homestead credit only. Actual rates may vary by location. Additional credits may be available for seniors or disabled persons but require separate applications.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Chilton County require property tax escrow accounts for borrowers with less than 20% down payment. Your lender collects 1/12th of your estimated annual property tax bill each month along with your mortgage payment, then pays your taxes directly to the county when due.

Lenders typically conduct annual escrow analyses to ensure adequate funds are collected. Since Chilton County taxes are due October 1st and become delinquent after December 31st, most lenders pay during the October-December window. If your escrow account has a shortage, the lender will either increase your monthly payment or allow you to pay the shortage over 12 months.

You can verify your tax payments and escrow disbursements by checking with the Chilton County Revenue Commissioner's office or through their online payment portal. Property owners remain ultimately responsible for ensuring taxes are paid on time, even when using escrow services. Always verify that your lender has made payment by the December 31st deadline to avoid delinquency penalties.

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 Chilton County for 2025? A: Property taxes are due October 1, 2025, and become delinquent after December 31, 2025.

Q: What homestead tax credits are available and how do I apply? A: Three homestead credits are available: (1) Basic homestead provides $4,000 assessed value reduction for primary residences, (2) Senior homestead provides $5,000 reduction for those over 65 with income under $12,000, and (3) Total exemption for qualifying seniors over 65. All require annual application with the county assessor's office.

Q: Does the homestead credit reduce my home's value? A: No, the homestead credit reduces your assessed value for tax purposes only and may limit annual assessment increases. It does not affect your property's market value or what you could sell it for.

Q: How often are properties reassessed in Chilton County? A: Alabama law requires reassessment every four years, though market changes or property improvements can trigger individual reassessments. You'll receive notice if your assessment changes.

Q: What happens if I pay my taxes late? A: Properties become delinquent after December 31st. Delinquent taxes accrue interest and penalties, and the property may eventually be subject to tax sale if taxes remain unpaid.

Q: Can I pay my property taxes online? A: Contact the Chilton County Revenue Commissioner's office at (205) 755-2923 to inquire about online payment options and accepted payment methods.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Chilton County Board of Equalization within specific deadlines after receiving your assessment notice. Contact the county assessor's office for appeal forms and procedures.

Q: Why is my tax rate different from my neighbor's? A: Tax rates vary based on your property's location within different taxing districts (municipal boundaries, school districts, fire districts, etc.). Two properties in different areas of the county may have different total tax rates.

Verified Sources

Backed by 9 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

01
County
Chilton County Local Tax Return Filerevenue.alabama.gov
02
Tax Doc
Property Tax Assessment - Alabama Department of Revenuerevenue.alabama.gov
03
County
Chilton County Commissionalison.legislature.state.al.us
04
Tax Doc
When are my property taxes due?revenue.alabama.gov
05
NEWSLETTERchiltonwi.gov
06
Homestead Exemptions - Alabama Department of Revenuerevenue.alabama.gov
07
HOMESTEAD EXEMPTIONS IN ALABAMAndlegis.gov
08
State
General Summary of State Taxesrevenue.alabama.gov
09
State
GENERAL SUMMARY OF STATE TAXESrevenue.alabama.gov
All sources verified as of 2025 Tax Year

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