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Updated 2025 Tax Year

Effingham County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
~1% effective rate (varies by special taxing districts including fire districts and municipal service areas)
Exemptions
4+ Available
Section 1

How Property Tax Works

Effingham County property taxes fund essential local services including public schools, law enforcement, fire protection, road maintenance, and county administration. Property owners in Effingham County pay taxes to multiple entities: the county government, Effingham County School District, and potentially additional special taxing districts depending on their property location.

The effective property tax rate in Effingham County typically runs around 1% of assessed value, though this varies by location within the county due to special taxing districts such as fire districts, municipal service areas, and development authorities. Georgia assesses property at 40% of fair market value for residential properties, and Effingham County updates assessments periodically. Property owners must file annual tax returns between January 1 and April 1, and taxes are collected in two installments throughout the year.

Section 2

What Makes Up Your Tax Bill

The Effingham County Board of Commissioners sets annual property tax rates, with the 2025 rates to be determined during budget deliberations. Historical rates include:

ComponentRate (per $1,000)Description
County General FundVaries annuallyCounty operations, services, infrastructure
Effingham County SchoolsVaries annuallySchool district operations and facilities
Special DistrictsVaries by locationFire districts, municipal service areas
State of GeorgiaVariesState-level property taxes

Note: Actual tax rates vary significantly by location within Effingham County depending on which special taxing districts apply to your property. The total millage rate is the sum of all applicable district rates for your specific address. Contact the Effingham County Tax Assessor's office for your exact millage rate breakdown.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Effingham 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 property taxes in Effingham County are additional tax bills issued when property ownership changes, new construction is completed, or significant improvements are made that increase the property's assessed value mid-year. These taxes cover the difference between the previous assessment and the new higher assessment for the remaining portion of the tax year.

For example, if you purchase a newly constructed home in March that wasn't on the tax rolls in January, you'll receive a supplemental tax bill covering the increased assessed value from March through the end of the tax year. The supplemental tax is calculated by taking the difference in assessed value, multiplying by the applicable tax rate, and prorating for the remaining months in the tax year.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (40%): $120,000
  • Less: Standard Homestead Exemption: -$2,000
  • Net Taxable Value: $118,000
  • Annual Tax (est. 1.0%): $1,180
  • Monthly Escrow: $98

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (40%): $240,000
  • Less: Standard Homestead Exemption: -$2,000
  • Net Taxable Value: $238,000
  • Annual Tax (est. 1.0%): $2,380
  • Monthly Escrow: $198

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (40%): $400,000
  • Less: Standard Homestead Exemption: -$2,000
  • Net Taxable Value: $398,000
  • Annual Tax (est. 1.0%): $3,980
  • Monthly Escrow: $332

Note: These calculations use estimated rates. Actual rates vary by special taxing districts. All exemptions require application and are not automatic.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Effingham County require borrowers to maintain an escrow account for property taxes. Your lender collects monthly escrow payments along with your mortgage payment, then pays your property taxes directly to the county when due. The lender analyzes your escrow account annually and adjusts monthly payments based on actual tax bills and projected changes.

Property taxes in Effingham County are typically due in two installments: the first installment due September 5th and the second installment due March 5th of the following year. Your mortgage servicer will pay these bills from your escrow account. You should receive copies of the tax bills and payment confirmations. If your escrow account has a shortage, your lender will typically allow you to pay the shortage over 12 months while adjusting future monthly 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 Effingham County property taxes due for 2025? A: The first installment is due September 5, 2025, and the second installment is due March 5, 2026.

Q: What homestead exemptions are available and do I need to apply? A: The standard homestead exemption provides $2,000 off your assessed value for county and school taxes. You must apply by April 1st and own/occupy the home as your primary residence on January 1st. Additional exemptions may be available for seniors, disabled persons, and veterans - all require separate applications.

Q: How does the homestead exemption work? A: The standard homestead exemption reduces your assessed value by $2,000, not your market value. Some homestead programs also cap annual assessment increases. You must file an application with the Tax Assessor's office - exemptions are not automatic.

Q: When do I need to file my property tax return? A: Property tax returns must be filed between January 1 and April 1 each year with the Effingham County Tax Commissioner.

Q: How often does Effingham County reassess properties? A: Assessment schedules vary, but the county conducts periodic countywide reassessments. You'll receive notice before any reassessment affecting your property.

Q: What are the penalties for late property tax payments? A: Late payments incur interest and penalties. Contact the Effingham County Tax Commissioner's office for current penalty rates and payment options.

Q: Can I pay my property taxes online? A: Yes, Effingham County typically offers online payment options through the Tax Commissioner's website. Check the official county website for current online services.

Q: My tax bill seems too high - how do I appeal my assessment? A: You can appeal your property assessment to the Effingham County Board of Tax Assessors within 45 days of receiving your tax notice. Contact the Tax Assessor's office for appeal procedures and deadlines.

Q: Why do property tax rates vary within Effingham County? A: Different areas of the county are served by different special taxing districts (fire districts, municipal service areas, etc.), which each levy their own taxes. Your total tax rate is the sum of all districts serving your property location.

Q: Do I qualify for any senior citizen tax benefits? A: Georgia offers various tax credits and exemptions for qualifying senior citizens. Contact the Effingham County Tax Assessor's office to discuss available programs and application requirements, as most require annual applications and income verification.

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