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Updated 2025 Tax Year

Geneva County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
0.458% effective rate for 2025 (varies by municipal district and special taxing authorities)
1st Due
Oct 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Geneva County, Alabama operates under a property tax system that funds essential local services including public schools, county operations, municipal services, and special districts. The county's effective property tax rate for 2025 is estimated at 0.457577% (or approximately 0.458%), representing a 3.25% decrease from the 2024 rate of 0.472968%. This rate is significantly lower than Alabama's statewide average base rate of approximately 1%, making Geneva County one of the more affordable counties for property taxes in the state.

Property taxes in Geneva County are calculated based on assessed value, which is determined by property classification and current millage rates set by various taxing authorities. It's important to note that actual tax rates can vary significantly by location within the county due to different combinations of special taxing districts, school districts, and municipal boundaries. Property owners should verify their specific tax rate based on their exact location and the applicable taxing districts that serve their area.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
Base County Rate~0.458%Geneva County general operations (FY 2025 estimated)
School DistrictVariesLocal school district millage (varies by district)
MunicipalVariesCity/town taxes (if within municipal limits)
Special DistrictsVariesFire districts, library districts, other special assessments

Note: The total effective rate of 0.457577% applies to Fiscal Year 2025 and represents a county-wide average. Individual property tax bills will vary based on the specific combination of taxing districts serving each property location. School district rates, municipal rates (for incorporated areas), and special district assessments are added to the base county rate to determine your total property tax liability.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Geneva 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 Geneva County are additional property tax assessments that occur when there are changes to property ownership, improvements, or assessments outside the regular annual assessment cycle. Common triggers include new construction completion, major renovations, changes in property use classification, or corrections to previously assessed values.

When supplemental taxes are assessed, they are calculated on a pro-rated basis from the date the change occurred through the end of the current tax year. For example, if you complete a home addition worth $50,000 in assessed value on July 1st, and your total tax rate is 0.458%, you would owe a supplemental tax of approximately $114.50 for the remaining six months of that tax year (($50,000 × 0.00458) ÷ 2). Supplemental tax bills are typically mailed separately from regular annual tax bills and have their own payment due dates.

Example Calculation

Example 1: $300,000 Home Value

  • Market Value: $300,000
  • Assessed Value: $300,000 (no assessment ratio reduction in AL)
  • Less: Regular Homestead Credit: -$4,000 (if qualified and applied)
  • Net Taxable Value: $296,000
  • Annual Tax: $296,000 × 0.00458 = $1,356
  • Monthly Escrow: $113

Example 2: $600,000 Home Value

  • Market Value: $600,000
  • Assessed Value: $600,000
  • Less: Regular Homestead Credit: -$4,000 (if qualified and applied)
  • Net Taxable Value: $596,000
  • Annual Tax: $596,000 × 0.00458 = $2,730
  • Monthly Escrow: $228

Example 3: $1,000,000 Home Value

  • Market Value: $1,000,000
  • Assessed Value: $1,000,000
  • Less: Regular Homestead Credit: -$4,000 (if qualified and applied)
  • Net Taxable Value: $996,000
  • Annual Tax: $996,000 × 0.00458 = $4,560
  • Monthly Escrow: $380

Note: All credits require application and qualification. Rates shown are estimates and actual rates vary by specific location within Geneva County.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Geneva County require property tax escrow accounts for loans with less than 20% down payment, though some may require it regardless of down payment amount. Your lender collects monthly escrow payments along with your mortgage payment, then pays your property taxes directly to Geneva County when they become due on October 1st each year.

Lenders typically collect escrow payments based on the previous year's tax bill plus a small cushion (usually 2 months of payments). Each year, your lender will conduct an escrow analysis to determine if your monthly payment needs adjustment based on actual tax bills and account balance. Since Geneva County taxes are due October 1st and become delinquent after December 31st, lenders usually pay the taxes in October or November. Property owners should verify that their lender has paid taxes on time by checking with the Geneva County Tax Collector's office, as you remain ultimately responsible for ensuring taxes are paid even when using escrow.

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 Geneva County property taxes due for the current fiscal year? A: Property taxes are due October 1st each year and become delinquent after December 31st. For FY 2025, taxes were due October 1, 2024.

Q: What homestead tax credits are available and how do I apply? A: Geneva County offers a Regular Homestead Credit of $4,000 in assessed value for single-family property owners under 65 who occupy their dwelling. Owners 65 and older may qualify for an enhanced senior homestead credit with income restrictions ($12,000 adjusted gross income limit). Both require application with the county assessor's office and are NOT automatic.

Q: How does the homestead credit work? A: The homestead credit reduces your assessed value by $4,000, which limits assessment increases rather than reducing market value. You must apply for this credit - it is not automatically applied to your property.

Q: What are the late payment penalties? A: Properties with unpaid taxes after December 31st are considered delinquent and subject to penalties and interest charges. Contact the Geneva County Tax Collector for specific penalty rates and collection procedures.

Q: How often are properties reassessed? A: Alabama law requires property reappraisal every four years, though Geneva County may conduct more frequent assessments. Property owners who disagree with assessments can appeal through the county board of equalization.

Q: Can I pay my property taxes online? A: Contact the Geneva County Tax Collector's office directly to inquire about online payment options and accepted payment methods.

Q: Why might my tax rate differ from the county average? A: Your actual tax rate depends on your property's location within specific taxing districts, including school districts, municipal boundaries, and special districts like fire or library districts.

Q: When is the application deadline for homestead credits? A: Contact the Geneva County Assessor's office for specific application deadlines for homestead and other property tax credits, as these typically have annual filing requirements.

Q: What triggers a supplemental tax assessment? A: New construction, major improvements, changes in property use, ownership transfers, or corrections to previous assessments can trigger supplemental tax bills outside the regular assessment cycle.

Q: How can I verify my property's taxing districts? A: Contact the Geneva County Assessor's office with your property address or parcel number to confirm which school district, municipal, and special districts apply to your property.

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