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Updated 2025 Tax Year

Grady County
Property Tax Guide

Everything you need to know about property taxes in Grady 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
Approximately 1% of assessed value, varies by taxing district within Grady County
Exemptions
4+ Available
Section 1

How Property Tax Works

Grady County, Georgia operates under the state's property tax system where property taxes are the primary funding source for county services, schools, and special districts. Property owners in Grady County experienced a significant 14.16% property tax increase in 2024, though the 2025 rates have not yet been officially announced. The effective tax rate in Georgia typically runs around 1% of assessed value, though actual rates vary based on your specific location within Grady County.

Property taxes in Grady County fund essential services including public schools, emergency services, county administration, and infrastructure maintenance. Your actual tax rate depends on which special taxing districts your property falls within, as different areas of the county may have additional assessments for school bonds, fire districts, or other local improvements. Property is assessed at 40% of fair market value for residential properties, and tax bills are calculated by applying the millage rate to your net assessed value after any applicable tax credits.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Millage)Description
County GeneralVaries by districtBasic county services and administration
School DistrictVaries by districtLocal school funding and operations
State SchoolVariesState-mandated education funding
Special DistrictsVariesFire districts, municipal services, bonds

Note: Specific millage rates for FY 2025 have not been officially announced by Grady County. The 2024 rates represented a 14.16% increase over the previous year. Actual rates vary significantly by location within Grady County depending on which school district and special taxing districts apply to your property. Contact the Grady County Tax Assessor's office for current rates specific to your property location.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Grady 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 Grady County are triggered by changes in property ownership, new construction, or improvements that increase a property's assessed value during the tax year. When these events occur, the county calculates the difference between the old and new assessed values and applies the current tax rate to determine the supplemental amount owed.

For example, if you purchase a home in Grady County that was previously assessed at a lower value, or if you complete a major renovation, the county will issue a supplemental tax bill for the increased assessment. This supplemental tax is prorated based on the number of months remaining in the current tax year from when the change occurred. The supplemental amount is added to your regular annual property tax bill.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (40%): $120,000
  • Less: Homestead Credit (if qualified): Variable
  • Net Taxable Value: ~$120,000
  • Annual Tax (est. 1.2% effective): ~$1,440
  • Monthly (if escrowed): ~$120

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (40%): $240,000
  • Less: Homestead Credit (if qualified): Variable
  • Net Taxable Value: ~$240,000
  • Annual Tax (est. 1.2% effective): ~$2,880
  • Monthly (if escrowed): ~$240

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (40%): $400,000
  • Less: Available Tax Credits: Variable
  • Net Taxable Value: ~$400,000
  • Annual Tax (est. 1.2% effective): ~$4,800
  • Monthly (if escrowed): ~$400

Note: All tax credits require separate application and are not automatic. Calculations are estimates based on typical effective rates.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Grady County require borrowers to maintain an escrow account for property taxes, especially when the loan-to-value ratio exceeds 80%. Your lender collects 1/12th of your estimated annual property tax bill with each monthly mortgage payment and holds these funds in escrow. The lender then pays your property taxes directly to Grady County when they become due.

Property taxes in Grady County are due annually, and lenders typically pay the full amount by the December 20th deadline to avoid penalties. Your lender will provide an annual escrow analysis showing how much was collected and paid on your behalf. If property taxes increase significantly (as occurred with the 14.16% increase in 2024), your lender may require an escrow shortage payment or increase your monthly payment to cover the higher amount. You can verify that your taxes were paid by checking with the Grady County Tax Commissioner's office or viewing your account online.

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 and payments due in Grady County? A: Property tax returns must be filed between January 1 and April 1 annually. Property tax payments are due by December 20th for the current tax year.

Q: What tax credits are available and how do I apply? A: Georgia offers statewide homestead tax credits for qualifying homeowners, but these require separate application through the Grady County Tax Assessor's office. Grady County does not offer additional local homestead credits beyond the state programs.

Q: How does the Homestead Credit work? A: The Homestead Credit caps the annual increase in your home's assessed value for tax purposes (typically to 10% or less), rather than reducing the market value itself. You must file an application - it is not automatic and must be renewed periodically.

Q: When are properties reassessed in Grady County? A: Georgia requires counties to maintain current assessments, with periodic reappraisals. Contact the Grady County Tax Assessor for the current assessment schedule and to appeal an assessment if needed.

Q: What are the penalties for late property tax payments? A: Georgia law imposes interest and penalties on delinquent property taxes. Contact the Grady County Tax Commissioner for current penalty rates and payment options.

Q: Can I pay my property taxes online? A: Most Georgia counties offer online payment options. Check the Grady County Tax Commissioner's website for available payment methods and any associated convenience fees.

Q: Why did my property taxes increase so much in 2024? A: Grady County implemented a 14.16% property tax increase in 2024. This was due to increased millage rates adopted by the Board of Commissioners to fund county services.

Q: How do special district taxes affect my bill? A: Your location within Grady County determines which special taxing districts apply to your property, such as school districts or fire districts. These additional assessments vary by area and can significantly impact your total tax bill.

Verified Sources

Backed by 10 Official Government Sources

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

01
Updates – Page 4gradycountyga.gov
02
Fulton Holds Millage Rate at 8.87 mills for 2025fultoncountyga.gov
03
Tax Doc
Notice of Property Tax Increasegradycountyga.gov
04
Tax Doc
Property Tax Returns and Payment - Department of Revenuedor.georgia.gov
05
County
Tax Assessor – Grady County, GAgradycountyga.gov
06
Tax Doc
DOR Offers Tax Relief For Georgians Impacted By Hurricane ...dor.georgia.gov
07
County
County Property Tax Facts Grady | Department of Revenuedor.georgia.gov
08
Homestead Exemption Applicationgradycountyga.gov
09
final adopted budgetfultoncountyga.gov
10
Tax Doc
Pay Property Tax Online - Department of Revenue - Georgia.govdor.georgia.gov
All sources verified as of 2025 Tax Year

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