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Updated 2025 Tax Year

Fannin County
Property Tax Guide

Everything you need to know about property taxes in Fannin 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% of assessed value, varies by municipal boundaries and special districts
Exemptions
4+ Available
Section 1

How Property Tax Works

Fannin County, Georgia operates on a property tax system that serves as the primary funding mechanism for essential local services including public schools, emergency services, county operations, and infrastructure maintenance. Property taxes are assessed annually based on the fair market value of real estate and personal property, with the county utilizing professional appraisals and market analysis to determine assessed values.

The effective property tax rate in Fannin County varies by location within the county due to different special taxing districts, but generally ranges around 1% of assessed value. Property owners should note that their exact tax rate depends on which municipal boundaries, school districts, and special service districts their property falls within. The county operates on a split payment schedule with installments due October 15th and March 15th each year, allowing property owners to spread their annual tax obligation across two payments.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
Fannin County General FundVariable*County operations, public safety, infrastructure
Fannin County School DistrictVariable*Public education funding
State of GeorgiaVariable*State-mandated property tax
Municipal TaxesVariable*City services (if applicable)
Special DistrictsVariable*Fire districts, water/sewer districts

*Specific rates for the 2025 tax year are set annually by the Fannin County Board of Commissioners before the fiscal year begins. The exact millage rates vary by property location within different taxing districts throughout the county. Property owners should verify their specific rate by contacting the Fannin County Tax Commissioner's office or checking the official county website, as rates can differ significantly between different areas of the county.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Fannin 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 Fannin County are triggered when there are changes in property ownership, completion of new construction, or significant improvements that increase a property's assessed value during the tax year. These supplemental assessments ensure that property taxes reflect current ownership and property conditions rather than waiting until the next regular assessment cycle.

When a supplemental tax is issued, it covers the difference between the previous assessment and the new assessment, prorated for the remaining portion of the tax year. For example, if a property is sold in July and the new assessment increases the value from $200,000 to $250,000, the new owner would receive a supplemental tax bill for the additional $50,000 in assessed value for the remaining six months of the tax year. These supplemental taxes follow the same payment schedule as regular property taxes and are administered through the Fannin County Tax Commissioner's office.

Example Calculation

Example 1: $300,000 Property Value

  • Assessed Value: $300,000
  • Less: Standard Homestead Credit: $2,000 (if applied for)
  • Net Taxable Value: $298,000
  • Annual Tax (at ~1.0% rate): $2,980
  • Monthly Escrow: $248

Example 2: $600,000 Property Value

  • Assessed Value: $600,000
  • Less: Standard Homestead Credit: $2,000 (if applied for)
  • Net Taxable Value: $598,000
  • Annual Tax (at ~1.0% rate): $5,980
  • Monthly Escrow: $498

Example 3: $1,000,000 Property Value

  • Assessed Value: $1,000,000
  • Less: Standard Homestead Credit: $2,000 (if applied for)
  • Net Taxable Value: $998,000
  • Annual Tax (at ~1.0% rate): $9,980
  • Monthly Escrow: $832

Note: Tax credits require application and approval. Actual rates vary by specific location within Fannin County based on applicable taxing districts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Fannin County require property tax escrow accounts for borrowers with less than 20% down payment, though some lenders mandate escrow regardless of down payment amount. The lender collects approximately 1/12th of the annual property tax bill with each monthly mortgage payment, depositing these funds into an escrow account specifically designated for tax payments.

Lenders typically pay property taxes on behalf of borrowers before each installment due date (October 15th and March 15th), ensuring timely payment and avoiding penalties. Property owners should receive an annual escrow analysis from their lender showing the previous year's tax payments and any adjustments needed for the coming year. If property taxes increase due to reassessment or rate changes, the lender may increase monthly escrow payments or require a one-time payment to cover any shortage. Property owners can verify that their taxes have been paid by checking with the Fannin County Tax Commissioner's office or reviewing their annual escrow statement.

How HonestCasa Helps
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Section 6

Frequently Asked Questions

Q: When are property taxes due in Fannin County for the current tax year? A: Property taxes are due in two installments: the first installment is due by October 15th, and the second installment is due by March 15th of the following year.

Q: What homestead tax credits are available and how do I apply? A: The standard homestead credit provides a $2,000 reduction in assessed value for county and school taxes. This credit requires application with the Fannin County Tax Assessor by January 1st of the tax year, and you must have owned and occupied the property as your primary residence on January 1st.

Q: Does the homestead credit reduce my property's market value? A: No, the homestead credit reduces your assessed value for tax purposes by $2,000, but does not affect your property's market value. It also helps limit annual assessment increases once established.

Q: How often are properties reassessed in Fannin County? A: Properties are typically reassessed annually, though the county may conduct more comprehensive reappraisals periodically. Assessment notices are mailed to property owners with information on the appeal process and deadlines.

Q: What happens if I pay my property taxes late? A: Late payments incur penalties and interest charges. Contact the Fannin County Tax Commissioner's office immediately if you cannot meet the payment deadline to discuss possible payment arrangements.

Q: Can I pay my property taxes online? A: Yes, Fannin County offers online payment options through the Tax Commissioner's website. You can pay by electronic check or credit card, though credit card payments may include processing fees.

Q: Why might my tax bill be different from my neighbor's on a similar property? A: Tax bills can vary due to different assessed values, varying homestead or other credits applied, and different special taxing districts that may apply to different areas within the county.

Q: How do I appeal my property assessment if I believe it's too high? A: Contact the Fannin County Board of Assessors within the specified appeal period (typically 45 days from the assessment notice date) to file a formal appeal with supporting documentation such as recent appraisals or comparable sales data.

Verified Sources

Backed by 10 Official Government Sources

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

01
FY2025 ADJUSTED HOME INCOME LIMITShuduser.gov
02
Special Called Meeting November 12, 2025, at 5:00pmcityofblueridgega.gov
03
Tax Doc
Property Tax Millage Rates | Department of Revenuedor.georgia.gov
04
ANNUAL FINANCIAL REPORT FOR THE FISCAL ... - Open Georgiaopen.ga.gov
05
Tax Doc
Pay Property Taxesgeorgia.gov
06
Real and Personal Property Forms and Applicationsdor.georgia.gov
07
Tax Doc
Property Tax Homestead Exemptions - Department of Revenuedor.georgia.gov
08
04 LC 19 6264/AP H. B. 1764 - 1legis.ga.gov
09
County
County Property Tax Facts Fannin - Department of Revenuedor.georgia.gov
10
15 LC 28 7409 H. B. 356 - 1legis.ga.gov
All sources verified as of 2025 Tax Year

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