HonestCasa logoHonestCasa
All Tax Guides
Updated 2025 Tax Year

Coosa County
Property Tax Guide

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

10 Official Sources
8 min read
Calculate Your True CostMortgage Calculator
Quick Facts
Tax Rate
Approximately 1.00 mills (0.10%) base rate, varies by district and special assessments
Exemptions
5+ Available
Section 1

How Property Tax Works

Coosa County, Alabama operates on a property tax system that serves as a primary funding mechanism for essential local services including public schools, county operations, emergency services, and infrastructure maintenance. Property owners in Coosa County pay taxes based on assessed property values, which are determined by the county assessor and updated periodically to reflect current market conditions.

The property tax rate in Coosa County is approximately 1.00 mills (0.10%) for FY 2025, though actual rates vary significantly depending on your specific location within the county due to special taxing districts such as school districts, municipal boundaries, and special assessment areas. Property taxes in Coosa County are administered at the county level, with the Revenue Commissioner responsible for billing and collection. It's important to note that your exact tax rate depends on which taxing jurisdictions your property falls within, as different areas may have additional assessments for local improvements, school bonds, or municipal services.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
County General~0.50Funds county operations, roads, and general services
School District~0.40Varies by school district within the county
Municipal (if applicable)~0.10Additional rate for properties within city limits
Special DistrictsVariesFire districts, library districts, or improvement districts
Total Base Rate~1.00Combined rate for FY 2025

Note: These rates apply to the FY 2025 levy year and are subject to annual adjustment by the respective taxing authorities. Properties located in different areas of Coosa County may have different combinations of these components. Contact the Coosa County Revenue Commissioner's office to determine the exact rate applicable to your specific property address, as special taxing districts can significantly affect your total rate.

Section 3

When Are Property Taxes Due?

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

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 Coosa County are additional property tax assessments that occur when there are changes to property ownership, improvements, or new construction that affect the assessed value during the current tax year. Common triggers include property sales that result in reassessment, completion of new construction or major renovations, property splits or combinations, and corrections to previous assessments.

When a supplemental assessment is issued, the additional tax is calculated by applying the current tax rate to the difference between the new assessed value and the previous assessed value, prorated for the portion of the tax year remaining. For example, if your property was reassessed from $200,000 to $250,000 in January due to completed renovations, and your total tax rate is 1.00 mills, you would owe an additional $50 in supplemental taxes for that year (($250,000 - $200,000) × 0.001 = $50). Supplemental tax bills are typically issued within 30-60 days of the triggering event and have separate due dates from regular property tax bills.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (10% assessment ratio): $30,000
  • Less: Homestead Credit (if applied): -$2,000
  • Net Taxable Value: $28,000
  • Annual Tax ($28,000 × 1.00 mills): $280
  • Monthly Escrow: $23

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (10% assessment ratio): $60,000
  • Less: Homestead Credit (if applied): -$2,000
  • Net Taxable Value: $58,000
  • Annual Tax ($58,000 × 1.00 mills): $580
  • Monthly Escrow: $48

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (10% assessment ratio): $100,000
  • Less: Homestead Credit (if applied): -$2,000
  • Net Taxable Value: $98,000
  • Annual Tax ($98,000 × 1.00 mills): $980
  • Monthly Escrow: $82

Note: These examples use estimated values. Actual credits require application to the county assessor and are not automatic. Tax rates may vary based on your property's specific taxing districts.

See How Taxes Affect Your Payment

Property taxes are just part of your total monthly cost. Get the full picture.

Calculate Now
Section 5

Escrow & Property Taxes

Most mortgage lenders in Coosa County require property tax escrow accounts to ensure timely payment of property taxes. Your lender collects monthly escrow payments along with your mortgage payment, typically 1/12th of your estimated annual property tax bill plus a small buffer amount. The lender holds these funds in a separate account and pays your property taxes directly to Coosa County when they become due on October 1st each year.

Lenders are required to provide annual escrow analysis statements showing the account activity and any required adjustments to your monthly payment. If your property taxes increase due to reassessment or rate changes, your monthly escrow payment may be adjusted accordingly. Property owners should verify that their lender has paid taxes on time by checking with the Coosa County Revenue Commissioner's office, as the property owner remains ultimately responsible for payment even when using escrow services. If you pay taxes directly without escrow, ensure payments are received by the October 1st deadline to avoid penalties and interest charges.

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 Coosa County for FY 2025? A: Property taxes are due annually on October 1st. The lien date is also October 1st, meaning taxes become a lien against the property on this date regardless of when payment is made.

Q: What tax credits are available and do I need to apply? A: Homestead credits are available for primary residences and REQUIRE APPLICATION to the county assessor's office. Additional credits may be available for disabled veterans, elderly property owners, and agricultural use. None of these are automatic - you must file applications by the specified deadlines.

Q: How does the Homestead credit work? A: The Homestead credit limits annual assessment increases on your primary residence rather than reducing market value. You must apply with the county assessor and reapply if you move. This credit caps how much your assessed value can increase each year, providing tax stability.

Q: How often are properties reassessed in Coosa County? A: Alabama law requires property reappraisal every four years, though the county assessor may update values more frequently based on market conditions or property improvements.

Q: What happens if I pay my taxes late? A: Late payments incur interest and penalties. After October 1st, interest begins accruing monthly. Properties with delinquent taxes may eventually face tax sale proceedings.

Q: Can I appeal my property assessment? A: Yes, you can appeal assessments to the Coosa County Board of Equalization. Appeals must typically be filed within 30 days of receiving your assessment notice.

Q: Are there online payment options available? A: Contact the Coosa County Revenue Commissioner's office to inquire about current online payment options and accepted payment methods.

Q: How do special district taxes affect my bill? A: Properties in municipalities, special fire districts, or improvement districts pay additional rates beyond the base county rate. Your total rate depends on all applicable taxing jurisdictions for your specific property location.

Q: What documentation do I need for tax credit applications? A: Requirements vary by credit type, but typically include proof of residency, property ownership, and specific eligibility documentation. Contact the county assessor's office for detailed application requirements and deadlines.

Q: If I buy property mid-year, am I responsible for the full year's taxes? A: Property taxes are typically prorated between buyer and seller at closing based on the closing date, but the party owning the property on October 1st is legally responsible for that year's taxes.

Verified Sources

Backed by 10 Official Government Sources

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

01
Tax Doc
Sales and Use Tax Rates - Alabama Department of Revenuerevenue.alabama.gov
02
State
Fiscal Statements for All Countieslegislature.state.al.us
03
State
Fiscal Statements for All Countieslegislature.state.al.us
04
Tax Doc
Property Tax - Alabama Department of Revenuerevenue.alabama.gov
05
County
Office of Judge of Probate Coosa County, Alabamaalison.legislature.state.al.us
06
Tax Doc
Tax Delinquent Property and Land Salesrevenue.alabama.gov
07
Fletcher v. Eddins, et al.publicportal-api.alappeals.gov
08
County
COUNTY FINANCE MANUALlimestonecounty-al.gov
09
Report on thelegislature.state.al.us
10
State
GENERAL SUMMARY OF STATE TAXESrevenue.alabama.gov
All sources verified as of 2025 Tax Year

See the Full Picture of Your Home Costs

Property taxes are just one piece of homeownership. HonestCasa helps you understand your total monthly cost and explore safe ways to access your home equity.

Total Monthly Cost

Mortgage + taxes + insurance + HOA

Equity Growth

Track how your equity grows over time

Safe Equity Access

Options for projects or debt payoff

Run Your ScenarioTry Calculator

Free • No credit check • 2-minute estimate