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Updated 2025 Tax Year

Coffee County
Property Tax Guide

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

9 Official Sources
8 min read
Quick Facts
Tax Rate
32.5 mills base rate, varies by location due to special taxing districts (school, fire, municipal)
1st Due
Oct 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Coffee County, Alabama operates under a property tax system that funds essential local services including schools, public safety, infrastructure, and county operations. Property taxes are assessed annually based on the assessed value of real estate and personal property within the county. The property tax rate for Coffee County is set at 32.5 mills for the current tax year, though your actual tax rate may vary depending on your specific location within the county due to special taxing districts such as school districts, fire districts, and municipal improvement districts.

Property owners in Coffee County should understand that their total tax bill reflects not just the base county rate, but may include additional assessments for various special districts that provide services to their specific area. The Alabama Department of Revenue oversees the state's property tax system, while local assessment and collection are handled by Coffee County tax officials. Property taxes are due October 1st each year and become delinquent after December 31st, with property owners having a 10-day grace period for postmarked payments after the delinquency date.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
County General15.5Basic county operations and services
School District12.0Public education funding
Road & Bridge3.0Infrastructure maintenance
Debt Service2.0County bond obligations
Total Base Rate32.5Standard county-wide rate

Note: These rates apply to the current tax levy year. Additional special district assessments may apply based on your property location, including municipal taxes, fire district fees, library districts, or improvement districts. Contact the Coffee County Tax Assessor's office to determine the exact rate applicable to your specific property address, as rates can vary significantly within different areas of the county.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Coffee 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 Coffee County are additional property tax bills issued when there are changes to property ownership, value, or use that occur after the annual assessment roll is completed. The most common triggers include new construction completion, property transfers that remove existing tax credits, major improvements or additions to existing structures, and changes in property classification or use.

When a supplemental tax is triggered, the additional tax is calculated based on the difference between the old assessed value and the new assessed value, prorated for the remaining months in the tax year. For example, if you complete a $100,000 home addition in March and your property's assessed value increases accordingly, you would receive a supplemental tax bill covering April through September (6 months) of that tax year. The supplemental bill would be calculated as: (New Assessed Value - Old Assessed Value) × 32.5 mills × (6/12 months) = additional tax due.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (10% of market): $30,000
  • Less: Homestead Tax Credit (if applied): -$4,000
  • Net Taxable Value: $26,000
  • Annual Tax ($26,000 × 32.5 mills): $845
  • Monthly Escrow: $70.42

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (10% of market): $60,000
  • Less: Homestead Tax Credit (if applied): -$4,000
  • Net Taxable Value: $56,000
  • Annual Tax ($56,000 × 32.5 mills): $1,820
  • Monthly Escrow: $151.67

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (10% of market): $100,000
  • Less: Homestead Tax Credit (if applied): -$4,000
  • Net Taxable Value: $96,000
  • Annual Tax ($96,000 × 32.5 mills): $3,120
  • Monthly Escrow: $260.00

Note: Tax credits shown require annual application and approval. Additional special district taxes may apply based on property location.

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Section 5

Escrow & Property Taxes

Most Coffee County property owners with mortgages have their property taxes collected through an escrow account managed by their mortgage servicer. Your lender estimates your annual property tax liability and divides it by 12, adding this amount to your monthly mortgage payment. The servicer typically maintains a cushion of 2-6 months of tax payments in your escrow account to ensure funds are available when taxes are due.

Property taxes are due October 1st each year, and most mortgage servicers pay these taxes on behalf of borrowers in late September or early October. You should receive an annual escrow analysis from your lender showing how your tax payments are calculated and whether your monthly escrow amount will increase or decrease for the coming year. If your property taxes increase due to reassessment or rate changes, your monthly mortgage payment will typically adjust to accommodate the higher escrow requirement. Property owners should verify that their servicer has paid taxes on time by checking with the Coffee County Tax Collector's office, as the property owner remains ultimately responsible for payment even when using escrow services.

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 Coffee County for the current tax year? A: Property taxes are due October 1st and become delinquent after December 31st. There is a 10-day grace period for payments postmarked within 10 days after December 31st.

Q: What tax credits are available and do they require application? A: The primary tax credit available is the Homestead Tax Credit for owner-occupied primary residences, which can reduce your taxable assessed value. This credit requires annual application and is NOT automatic - you must apply with the Coffee County Tax Assessor's office.

Q: How does the Homestead Tax Credit work? A: The Homestead Tax Credit applies to single-family owner-occupied dwellings on up to 160 acres. It provides a reduction in your taxable assessed value and helps cap assessment increases from year to year. You must apply annually and occupy the property as your primary residence to qualify.

Q: How often are properties reassessed in Coffee County? A: Alabama law requires property reassessment every four years. Coffee County follows this schedule, with the most recent county-wide reassessment determining current assessed values.

Q: What are the penalties for late property tax payments? A: Properties become delinquent after December 31st, with interest and penalties accruing. Extended delinquency can result in tax lien sales and potential loss of property ownership rights.

Q: Can I pay my property taxes online? A: Contact the Coffee County Tax Collector's office directly at (334) 347-2688 for current online payment options and accepted payment methods.

Q: Why might my tax rate differ from the 32.5 mills base rate? A: Your actual rate may be higher due to special taxing districts such as school districts, fire districts, municipal taxes, or improvement districts that serve your specific property location.

Q: How do I appeal my property assessment if I believe it's too high? A: Assessment appeals must be filed with the Coffee County Board of Equalization within specific deadlines after receiving your assessment notice. Contact the Tax Assessor's office for appeal forms and procedures.

Q: What triggers a supplemental tax bill? A: New construction completion, major improvements, property transfers that affect existing credits, or changes in property use classification can trigger supplemental tax bills for the current tax year.

Q: Are there tax credits available for seniors, veterans, or disabled persons? A: Alabama offers various tax credits for qualifying seniors, veterans, and disabled individuals. These require separate applications with specific documentation. Contact the Coffee County Tax Assessor's office to determine eligibility and application requirements.

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