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Updated 2025 Tax Year

Harris County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
9.13 mills (0.913%) countywide base rate - varies by district with additional municipal and special district rates
Exemptions
4+ Available
Section 1

How Property Tax Works

Harris County, Georgia operates under a property tax system that funds essential local services including schools, public safety, infrastructure, and county operations. Property taxes are the primary revenue source for Harris County government and the Harris County School District. The county assesses properties at 40% of fair market value, which is standard across Georgia.

The effective property tax rate in Harris County varies by location within the county due to different special taxing districts and municipal boundaries. For the 2025 tax year, the proposed countywide rate is 9.13 mills (0.913%), representing a 2.97% increase from the previous year. Property owners may pay additional rates depending on their location within school districts, fire districts, or incorporated municipalities. The actual tax rate applied to your property depends on which taxing jurisdictions serve your specific address within Harris County.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
Harris County General Fund9.13County operations, public safety, infrastructure
Harris County School DistrictVariesEducational services (rate varies by school zone)
Municipal TaxesVariesCity services (if located within city limits)
Fire DistrictVariesFire protection services (certain areas only)
Special AssessmentsVariesDrainage, lighting, or improvement districts

Rates shown are for FY 2025-2026 and are subject to final board approval. One mill equals $1 per $1,000 of assessed value. Your total tax rate depends on your property's location within various taxing districts. Contact the Harris County Tax Assessor's Office to determine the exact rate applicable to your specific property address.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Harris 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 Harris County are additional property tax bills issued when there are mid-year changes to property ownership, value, or use. The most common triggers include new construction completion, major improvements or renovations, changes in property classification (such as removing agricultural exemption), or correction of assessment errors discovered after the regular tax roll is finalized.

When a supplemental assessment is issued, it covers the period from when the change occurred until the end of the current tax year. For example, if new construction is completed in March and adds $50,000 to your assessed value, you would receive a supplemental bill for the remaining 9 months of that tax year. The supplemental tax is calculated by applying the current tax rate to the additional assessed value, then prorating it for the months remaining in the tax year. Supplemental bills are typically due 30 days from the issue date and carry the same penalty structure as regular property tax bills if paid late.

Example Calculation

Example 1: $300,000 Home with Homestead Credit

  • Market Value: $300,000
  • Assessed Value (40%): $120,000
  • Homestead Credit Applied: -$2,000 (typical credit amount)
  • Net Taxable Value: $118,000
  • Annual Tax (9.13 mills): $1,077
  • Monthly Escrow: $90

Example 2: $600,000 Home with Senior Citizen Credit

  • Market Value: $600,000
  • Assessed Value (40%): $240,000
  • Senior Citizen Credit Applied: -$4,000 (must apply annually)
  • Net Taxable Value: $236,000
  • Annual Tax (9.13 mills): $2,155
  • Monthly Escrow: $180

Example 3: $1,000,000 Home (No Credits)

  • Market Value: $1,000,000
  • Assessed Value (40%): $400,000
  • Tax Credits Applied: $0 (no application filed)
  • Net Taxable Value: $400,000
  • Annual Tax (9.13 mills): $3,652
  • Monthly Escrow: $304

Note: All tax credits require separate applications and are not automatically applied. Examples use base county rate only; additional municipal or district taxes may apply based on property location.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Harris County require borrowers to maintain an escrow account for property taxes when the loan-to-value ratio exceeds 80%. Your lender collects monthly escrow payments equal to 1/12 of your estimated annual property tax bill, plus insurance premiums. The lender pays your property taxes directly to the Harris County Tax Commissioner when bills are due on December 20 each year.

Lenders typically conduct annual escrow analyses to ensure adequate funds are collected. If property taxes increase significantly due to reassessment or rate changes, your monthly mortgage payment may increase to cover the shortfall. You can verify that your lender paid your property taxes correctly by checking with the Harris County Tax Commissioner's office online or by phone. If you pay off your mortgage or your loan-to-value drops below 80%, you may be able to eliminate the escrow account and pay property taxes directly. Contact your lender to understand their specific escrow requirements and procedures for escrow account management.

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 Harris County property taxes due for the current tax year? A: Property tax bills are mailed in early October and are due by December 20 each year. The December 20 deadline applies to the 2026 tax year and all subsequent years unless changed by the county.

Q: What homestead tax credit is available and how do I apply? A: Harris County offers a homestead tax credit that caps annual assessment increases and reduces your taxable value. This credit requires a separate application filed with the county assessor's office by April 1. The credit is not automatic and must be applied for even if you received it in previous years in some cases.

Q: Are there tax credits for senior citizens or disabled persons? A: Yes, additional tax credits may be available for seniors over 65 and disabled persons. These credits reduce your tax bill but require annual application with income documentation. Contact the Harris County Board of Tax Assessors at (706) 628-4824 for current credit amounts and application requirements.

Q: How often are properties reassessed in Harris County? A: Georgia law requires counties to assess all real property annually. Harris County typically conducts physical inspections on a rotating basis, visiting each property approximately every 6 years, with annual value adjustments based on market conditions.

Q: Can I appeal my property assessment and what is the deadline? A: Yes, property owners can appeal their assessment to the Harris County Board of Tax Assessors within 45 days of receiving their tax notice. Appeals must be filed in writing with supporting documentation such as recent appraisals or comparable sales data.

Q: What happens if I pay my property taxes late? A: Late payments incur penalties and interest charges. Interest accrues monthly on the unpaid balance, and additional penalties may apply. After extended delinquency, the property may be subject to tax sale proceedings.

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

Q: Do I pay different rates if I live within a city in Harris County? A: Yes, properties within incorporated cities like Hamilton or Pine Mountain pay additional municipal taxes on top of county taxes. Your total rate includes county, school district, and municipal components based on your specific address.

Q: What special district taxes might apply to my property? A: Depending on your location, you may pay additional taxes for fire districts, special lighting districts, or improvement districts. These appear as separate line items on your tax bill and fund specific local services in your area.

Q: How do I verify which tax districts apply to my property? A: Contact the Harris County Tax Assessor's office at (706) 628-4824 or visit their office with your property address to determine all applicable taxing districts and rates for your specific location.

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