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Updated 2025 Tax Year

Catoosa County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
4.947 mills base rate ($4.95 per $1,000 assessed value), varies by location due to municipal and special district additions
Exemptions
5+ Available
Section 1

How Property Tax Works

Catoosa County, Georgia operates on a property tax system that funds essential local services including schools, county government operations, public safety, and infrastructure maintenance. Property taxes are assessed based on fair market value as of January 1st each year, with the county applying a tax rate of 4.947 mills for FY 2025 (effective October 1, 2024). This means property owners pay approximately $4.95 per $1,000 of taxable assessed value.

The actual property tax rate you pay may vary depending on your location within Catoosa County due to special taxing districts, municipal boundaries, and school district overlays. These additional assessments can include city taxes, school bonds, and special improvement districts. Property owners should verify their specific tax rate and applicable districts with the Catoosa County Tax Assessor's office, as rates are subject to annual changes based on budget requirements and voter-approved measures.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
County Government4.947FY 2025 base county operations, services, and administration
School DistrictVariesLocal school district taxes (varies by district within county)
Municipal TaxesVariesCity/town taxes if property is within municipal boundaries
Special DistrictsVariesFire districts, water/sewer districts, improvement districts
Total Effective Rate~6.3-8.5 millsCombined rate varies significantly by location

Note: The 4.947 mills county rate applies to FY 2025 (effective October 1, 2024). Total effective rates typically range from 6.3 to 8.5 mills depending on your specific location within Catoosa County and applicable special taxing districts. Historical data shows rates have included combined totals of 6.287 mills in previous years. Contact the Tax Assessor at (706) 965-2500 for your specific district rates.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Catoosa 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

Based on available data, Catoosa County follows Georgia state supplemental tax procedures, though specific local implementation details were not accessible in the research data provided. Supplemental taxes in Georgia are typically triggered by ownership changes, new construction completion, or significant property improvements that occur after the January 1st assessment date.

When a supplemental assessment is issued, it represents the difference between the new assessed value and the original assessed value, prorated for the remaining portion of the tax year. For example, if a $100,000 improvement is completed in July, the supplemental tax would be calculated on that $100,000 increase for the remaining 9 months of the fiscal year. Property owners receive a separate supplemental tax bill with its own due date, typically 30-60 days from the bill date.

Example Calculation

Example 1: $300,000 Home with Standard Homestead Exemption

  • Market Value: $300,000
  • Less County Homestead Exemption: -$2,000
  • Less State Homestead Exemption: -$18,000
  • Net Taxable Value: $280,000
  • Annual Tax (@ 6.5 mills avg): $1,820
  • Monthly Escrow: ~$152

Example 2: $600,000 Home with Standard Homestead Exemption

  • Market Value: $600,000
  • Less County Homestead Exemption: -$2,000
  • Less State Homestead Exemption: -$18,000
  • Net Taxable Value: $580,000
  • Annual Tax (@ 6.5 mills avg): $3,770
  • Monthly Escrow: ~$314

Example 3: $1,000,000 Home with Standard Homestead Exemption

  • Market Value: $1,000,000
  • Less County Homestead Exemption: -$2,000
  • Less State Homestead Exemption: -$18,000
  • Net Taxable Value: $980,000
  • Annual Tax (@ 6.5 mills avg): $6,370
  • Monthly Escrow: ~$531

Note: Homestead exemptions require application and are NOT automatic. Examples use estimated combined mill rates. Actual rates vary by location within the county.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Catoosa County require property tax escrow accounts for borrowers with less than 20% down payment or upon borrower request. The lender collects 1/12 of the estimated annual property tax bill with each monthly mortgage payment and maintains these funds in a separate escrow account. When property tax bills become due (typically in October for the first installment), the lender pays the taxes directly to Catoosa County on behalf of the homeowner.

Lenders typically conduct an annual escrow analysis to ensure adequate funds are being collected, which may result in escrow payment increases or decreases. Property owners should review their annual escrow statements carefully and verify that payments are being made correctly and on time. If you pay taxes independently (without escrow), you're responsible for making payments directly to Catoosa County by the due dates to avoid penalties and potential tax lien procedures.

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 Catoosa County for FY 2025? A: The first installment is typically due in October (specific date varies annually). Property tax returns must be filed between January 1 and April 1 each year. Contact the Tax Assessor at (706) 965-2500 for exact due dates.

Q: What homestead tax credits are available and do I need to apply? A: Catoosa County offers a $2,000 county homestead exemption and Georgia provides an $18,000 state homestead exemption. Both require application and are NOT automatic. You must have owned and occupied the property as your primary residence on January 1 and file the application by the property tax return deadline (typically April 1).

Q: How does the homestead exemption work? A: The homestead exemption reduces your property's assessed value for tax purposes. It does not cap assessment increases - it provides a flat dollar reduction from your home's assessed value before taxes are calculated.

Q: When do I need to file my homestead exemption application? A: Applications must be filed by the same deadline as property tax returns - typically April 1st each year for the current tax year. You must have owned the property on January 1 to qualify.

Q: How often are properties reassessed in Catoosa County? A: Georgia law requires annual assessment as of January 1st each year. The deadline to appeal a property assessment was August 9, 2024 for the current year. Appeal deadlines vary annually.

Q: What are the penalties for late property tax payments? A: Contact the Catoosa County Tax Commissioner for specific penalty and interest rates, as these vary and are subject to state law requirements.

Q: Can I pay my property taxes online? A: Contact the Catoosa County Tax Commissioner's office at (706) 965-2500 for available payment methods and online options.

Q: Why is my tax rate different from my neighbor's? A: Tax rates vary within Catoosa County based on special taxing districts, municipal boundaries, school districts, and voter-approved assessments. Two properties may have different total effective tax rates depending on their location and applicable districts.

Q: How do special districts affect my property taxes? A: Special districts for services like fire protection, water/sewer, or municipal services add additional mills to your base county rate. These vary significantly by location within the county and can substantially impact your total effective tax rate.

Q: What other exemptions might I qualify for? A: Contact the Catoosa County Tax Assessor at (706) 965-2500 to discuss additional exemptions that may be available, such as senior citizen, disability, or veteran exemptions. All exemptions require application and qualification verification.

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