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Updated 2025 Tax Year

Charlton County
Property Tax Guide

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

10 Official Sources
8 min read
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Quick Facts
Tax Rate
~1% base rate, varies by district due to school levies and special taxing districts
Exemptions
4+ Available
Section 1

How Property Tax Works

Charlton County, Georgia operates under a property tax system that funds essential local services including education, public safety, infrastructure, and county operations. Property taxes are based on assessed values determined by the county assessor's office, with the state of Georgia targeting approximately 40% of fair market value for assessment purposes. The county's effective tax rates generally align with Georgia's base rate of around 1%, though actual rates vary depending on your specific location within the county.

Property tax rates in Charlton County vary by location due to special taxing districts, municipal boundaries, and school district levies. For the 2025 tax year, the Charlton County Board of Education has tentatively adopted a millage rate requiring a 1.90% increase in property taxes compared to the previous year. Your actual tax bill will depend on your property's assessed value, any applicable tax credits you've applied for, and the specific taxing districts that serve your property location.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $1,000)Description
County GeneralTBDBasic county services, administration, public safety
County SchoolIncreased 1.90%*Education funding, facilities, transportation
State SchoolVariesState-mandated education funding
MunicipalVaries by cityCity services (if within city limits)
Special DistrictsVariesFire districts, water/sewer authorities

*For FY 2025-2026, the school district portion will increase by 1.90% over the previous year's rate. Exact millage rates are finalized annually and vary by specific location within Charlton County due to different combinations of special taxing districts. Contact the Charlton County Tax Assessor's office for your property's specific rate breakdown.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Charlton 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 Charlton County are triggered by changes in property ownership, new construction, or improvements that increase assessed value during the tax year. When these events occur, the county assessor calculates additional taxes based on the increased assessment for the remaining months of the current fiscal year. For example, if you complete a home addition worth $50,000 in assessed value on July 1st, you would owe supplemental taxes on that $50,000 for the remaining six months of the tax year.

The supplemental tax amount is calculated by taking the additional assessed value, applying the current millage rate, and prorating it for the number of months remaining in the tax year. These supplemental bills are typically issued within 30-60 days after the assessor processes the change and are due within 30 days of the bill date.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (40%): $120,000
  • Less: Homestead Credit (if applied): $2,000
  • Net Taxable Value: $118,000
  • Annual Tax (est. 35 mills): $4,130
  • Monthly Escrow: $344

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (40%): $240,000
  • Less: Homestead Credit (if applied): $2,000
  • Net Taxable Value: $238,000
  • Annual Tax (est. 35 mills): $8,330
  • Monthly Escrow: $694

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (40%): $400,000
  • Less: Homestead Credit (if applied): $2,000
  • Net Taxable Value: $398,000
  • Annual Tax (est. 35 mills): $13,930
  • Monthly Escrow: $1,161

Note: All tax credits require application and are not automatically applied. Rates are estimated and vary by location within the county.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Charlton County require property tax escrow accounts to ensure timely payment of property taxes. Your lender collects monthly escrow payments as part of your mortgage payment, typically 1/12th of your annual tax bill plus a small cushion. Lenders analyze your escrow account annually and adjust monthly payments based on actual tax bills and account balance.

Property taxes in Charlton County are typically due January 15th of the year following the tax year, and lenders usually make payments in December or early January. You should receive an escrow analysis statement from your lender showing tax payments made on your behalf. It's important to verify that your lender has your correct tax parcel number and that payments are being applied to the right account, as errors can result in delinquency notices even when your lender is making payments.

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 tax returns due in Charlton County for FY 2025-2026? A: Property tax returns must be filed between January 1st and April 1st with the county assessor's office. The final payment deadline is January 15th of the following year.

Q: What homestead tax credits are available and do I need to apply? A: Georgia offers homestead exemptions that must be applied for through the county tax office. Applications must be made by April 1st of the first year you want the exemption. This is not automatic and failure to apply is considered a waiver of the exemption.

Q: How does the homestead credit work? A: The homestead exemption in Georgia typically limits annual assessment increases rather than reducing market value. It helps cap how much your assessed value can increase each year, providing property tax stability for primary residences.

Q: When does the county reassess properties? A: Contact the Charlton County Assessor's office for the current assessment schedule, as Georgia counties follow varying reassessment cycles.

Q: What happens if I pay my property taxes late? A: Late payments are subject to penalties and interest charges. Since taxes are due January 15th, any payment after this date will incur additional fees.

Q: Can I pay my property taxes online? A: Contact the Charlton County Tax Commissioner's office to confirm available online payment options and any associated convenience fees.

Q: How do special district taxes affect my bill? A: Properties within fire districts, municipal boundaries, or other special taxing districts will have additional millage rates applied. Your tax bill will show all applicable districts for your specific property location.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Charlton County Board of Tax Assessors within the designated appeal period. Contact the assessor's office for specific deadlines and procedures for the current tax year.

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
NOTICE OF PROPERTY TAX INCREASEcharlton.k12.ga.us
02
Monday, July 28th, 2025 10:00 AM 7/28/2025 - Minutescharltoncountyga.us
03
FY2025 ADJUSTED HOME INCOME LIMITShuduser.gov
04
Frequently Asked Questions - CivicPlus.CMS.FAQcharltoncountyga.us
05
Treasurer's Officecharlestoncounty.gov
06
Tax Doc
Property Tax Returns and Payment - Department of Revenuedor.georgia.gov
07
application for homestead exemptioncharltoncountyga.us
08
County
County Property Tax Facts Charlton | Department of Revenuedor.georgia.gov
09
HOMESTEAD EXEMPTION GUIDEfultoncountyga.gov
10
County
Charlton County Adopted Fiscal Year 2024 Budgetcharltoncountyga.us
All sources verified as of 2025 Tax Year

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