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Updated 2025 Tax Year

Gilmer County
Property Tax Guide

Everything you need to know about property taxes in Gilmer 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
Varies by district - base county rate plus school district and municipal additions
Exemptions
4+ Available
Section 1

How Property Tax Works

Gilmer County, Georgia operates under the state's property tax system, where property taxes serve as a primary funding source for county services, public schools, and local infrastructure. The county assesses property taxes based on the assessed value of real estate, which is typically 40% of the fair market value as determined by the county assessor. Property owners in Gilmer County can expect effective tax rates that vary depending on their specific location within the county due to different special taxing districts and municipal boundaries.

The actual tax rate you pay depends on several factors including your property's location within specific taxing districts, school districts, and any municipal boundaries. Gilmer County's tax rate is set annually by the Board of County Commissioners and the Board of Education, meaning rates can change each year based on budgetary needs and assessed property values throughout the county. Property owners should verify their specific tax rate and applicable districts with the Gilmer County Tax Commissioner's office, as rates can vary significantly between different areas within the county.

Section 2

What Makes Up Your Tax Bill

The exact millage rates for Gilmer County are set annually and vary by location within the county. Based on available information:

ComponentRateDescription
County OperationsTBD annuallySet by Board of County Commissioners for general county services
School DistrictTBD annuallySet by Board of Education for school operations and facilities
Municipal (if applicable)VariesAdditional rate for incorporated areas within the county
Special DistrictsVariesFire districts, water/sewer districts, or other special assessments

Note: The specific millage rates for the current fiscal year are determined annually by the governing authorities. Contact the Gilmer County Tax Commissioner at (706) 635-4361 for current rates applicable to your property. Rates vary significantly based on your property's location within different taxing districts, school zones, and municipal boundaries within Gilmer County.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Gilmer 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 tax assessments in Gilmer County occur when there are changes to property ownership, new construction, or improvements that increase a property's assessed value during the tax year. These supplemental bills ensure that property taxes are collected on the increased value for the portion of the tax year after the change occurred.

Common triggers for supplemental taxes include: completion of new home construction, major renovations or additions, subdivision of property, or reassessment due to ownership transfer. The supplemental tax is calculated by taking the difference between the old and new assessed values, multiplying by the applicable tax rate, and prorating for the remaining months in the tax year. For example, if a $100,000 home improvement is completed in July, and the tax rate is 25 mills, the supplemental tax would be approximately $1,000 (($100,000 × 40% assessment ratio × 0.025 rate) × 6/12 months remaining).

Example Calculation

Based on Georgia's typical 40% assessment ratio and estimated rates, here are examples for different property values in Gilmer County:

$300,000 Home:

  • Market Value: $300,000
  • Assessed Value: $120,000 (40%)
  • Less: Homestead Exemption: Variable (application required)
  • Net Taxable Value: ~$120,000
  • Annual Tax: ~$3,000 (assuming 25 mills total rate)
  • Monthly Escrow: ~$250

$600,000 Home:

  • Market Value: $600,000
  • Assessed Value: $240,000 (40%)
  • Less: Homestead Exemption: Variable (application required)
  • Net Taxable Value: ~$240,000
  • Annual Tax: ~$6,000 (assuming 25 mills total rate)
  • Monthly Escrow: ~$500

$1,000,000 Home:

  • Market Value: $1,000,000
  • Assessed Value: $400,000 (40%)
  • Less: Homestead Exemption: Variable (application required)
  • Net Taxable Value: ~$400,000
  • Annual Tax: ~$10,000 (assuming 25 mills total rate)
  • Monthly Escrow: ~$833

Note: All exemptions require separate application and approval. Contact the Gilmer County Tax Assessor for specific exemption amounts and application requirements.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Gilmer County require property tax payments to be included in your monthly mortgage payment through an escrow account. Your lender collects 1/12th of your estimated annual property tax bill each month and pays the county directly when taxes are due. Lenders typically conduct annual escrow analyses to ensure adequate funds are collected, which may result in payment adjustments.

Property taxes in Gilmer County are generally due by October 15th annually. Your lender should receive tax bills directly from the county and make payments on your behalf. However, it's important to verify that payments are made timely, as you remain ultimately responsible for the taxes even when using escrow. You can verify payments through the Gilmer County Tax Commissioner's office or online payment system. If you pay taxes directly without escrow, you're responsible for ensuring timely payment to avoid penalties and potential tax liens.

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Section 6

Frequently Asked Questions

Q: When are property taxes due in Gilmer County? A: Property taxes are typically due annually by October 15th. Contact the Tax Commissioner's office at (706) 635-4361 to confirm current year due dates.

Q: What homestead exemptions are available and how do I apply? A: Gilmer County residents may qualify for a homestead exemption that reduces the assessed value subject to county taxes. Applications are required and must be filed with the Tax Assessor's office. The exemption is not automatic and requires annual verification of eligibility.

Q: How does the homestead exemption work? A: The homestead exemption typically caps the annual increase in assessed value for tax purposes, protecting homeowners from dramatic tax increases due to rising property values. This is different from reducing market value - it limits assessment growth year-over-year.

Q: Can I pay my property taxes online? A: Many Georgia counties offer online payment options. Check with the Gilmer County Tax Commissioner's office or visit the county website for available online payment methods and any associated convenience fees.

Q: What happens if I pay my taxes late? A: Late payments incur penalties and interest charges. Properties with delinquent taxes may eventually be subject to tax liens or tax sales, so timely payment is crucial.

Q: How often is my property reassessed? A: Georgia law requires periodic reassessment of property values. Contact the Gilmer County Tax Assessor's office for the current reassessment schedule and information about the appeals process if you disagree with your assessment.

Q: Are there additional exemptions for seniors or disabled persons? A: Georgia offers various exemptions for qualifying seniors, disabled persons, and veterans. These require separate applications with specific eligibility requirements and documentation. Contact the Tax Assessor's office for details and application deadlines.

Q: How do special district taxes work? A: Properties located within special districts (fire, water/sewer, etc.) may have additional tax assessments beyond the basic county and school taxes. Your total tax rate depends on all applicable districts for your specific property location.

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
Property Tax Millage Rates | Department of Revenuedor.georgia.gov
02
Fair Market Value Detaildor.georgia.gov
03
County
Gilmer County Board of Education - Open Georgiaopen.georgia.gov
04
Tax Doc
Pay Property Taxesgeorgia.gov
05
Real and Personal Property Forms and Applicationsdor.georgia.gov
06
conservation use laws and regulations official code of ...assessor.cobbcounty.gov
07
05 LC 19 6568/AP H. B. 820 - 1legis.ga.gov
08
Public Hearing: Intent to Opt Out of Homestead Exemptiongilmercounty-ga.gov
09
Tax Doc
Property Tax Homestead Exemptions - Department of Revenuedor.georgia.gov
10
County
County Property Tax Facts Gilmer - Department of Revenuedor.georgia.gov
All sources verified as of 2025 Tax Year

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