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Updated 2025 Tax Year

Lumpkin County
Property Tax Guide

Everything you need to know about property taxes in Lumpkin 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 - approximately 1% base rate plus local additions for schools and services
Exemptions
4+ Available
Section 1

How Property Tax Works

Lumpkin County, Georgia operates under Georgia's ad valorem property tax system, where property taxes are the primary funding source for essential county services including schools, public safety, infrastructure maintenance, and general government operations. Property owners in Lumpkin County are assessed based on the fair market value of their real and personal property, with the Georgia state base assessment rate of approximately 1% of market value serving as the foundation for local tax calculations.

The effective tax rate in Lumpkin County varies by location within the county due to special taxing districts, school district boundaries, and municipal boundaries that may impose additional assessments. Property owners should be aware that their actual tax rate depends on their specific location and any applicable special district levies. The Lumpkin County Board of Commissioners sets the county tax rate annually, with public hearings typically held in September for the following tax year. All property tax returns must be filed with the Lumpkin County Board of Tax Assessors between January 1 and April 1 each year, and taxes are due by November 15.

Section 2

What Makes Up Your Tax Bill

The specific tax rates for Lumpkin County vary by fiscal year and special taxing districts. For the most current rates, property owners should contact the Lumpkin County Tax Assessor's office, as the 2025 tax rates are still being finalized with public hearings scheduled for September 16, 2025.

ComponentRate (mills)Description
County General FundTBDGeneral county operations and services
School DistrictTBDLocal school district operations
School BondsTBDEducational facility improvements and debt service
Special DistrictsVariesFire districts, water/sewer, or other local improvements

Note: Rates shown are subject to annual adjustment and vary by specific location within Lumpkin County. Special taxing districts may impose additional assessments depending on property location. Contact the Lumpkin County Tax Assessor at (706) 864-3736 for current rates applicable to your specific property location.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Lumpkin 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 Lumpkin County are additional property tax assessments that occur when there are changes to property ownership, improvements, or assessments outside the regular annual assessment cycle. Common triggers include property transfers to new owners, completion of new construction or major renovations, subdivision of property, or corrections to previous assessments.

When a supplemental assessment is issued, it represents the difference between the previous tax amount and the new tax amount, prorated for the portion of the tax year remaining. For example, if a property is sold in July and the new assessment results in higher taxes, the new owner would owe the difference between the old and new tax amounts for the remaining months of that tax year (August through the following June). Supplemental tax bills are typically issued within 30-60 days of the triggering event and have separate due dates from regular property tax bills. Property owners should contact the Lumpkin County Tax Assessor's office immediately upon receiving a supplemental tax notice to understand the basis for the assessment and payment requirements.

Example Calculation

The following examples show estimated annual property tax calculations for Lumpkin County properties. Note that actual rates vary by location and special districts, and tax credits require separate applications.

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (40% of market): $120,000
  • Less: Homestead Exemption: $60,000
  • Net Taxable Value: $60,000
  • Annual Tax (estimated at 25 mills): $1,500
  • Monthly Escrow: $125

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (40% of market): $240,000
  • Less: Homestead Exemption: $60,000
  • Net Taxable Value: $180,000
  • Annual Tax (estimated at 25 mills): $4,500
  • Monthly Escrow: $375

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (40% of market): $400,000
  • Less: Homestead Exemption: $60,000
  • Net Taxable Value: $340,000
  • Annual Tax (estimated at 25 mills): $8,500
  • Monthly Escrow: $708

Note: All exemptions require application and approval. Rates are estimates and vary by special district. Contact Lumpkin County Tax Assessor for current rates and exemption applications.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Lumpkin County require property tax escrow accounts for borrowers with less than 20% down payment or those who choose this option for convenience. Your lender collects 1/12 of your estimated annual property tax bill each month along with your mortgage payment, depositing these funds into an escrow account. The lender then pays your property taxes directly to Lumpkin County when they become due on November 15.

Lenders typically conduct annual escrow analyses to ensure adequate funds are collected, adjusting your monthly escrow payment if property taxes increase or decrease significantly. You should receive an annual escrow statement showing all deposits and payments made on your behalf. If your property taxes change due to reassessment, new construction, or changes in exemptions, your monthly escrow payment may be adjusted accordingly. Property owners with escrow accounts should verify that their lender has paid taxes on time by checking with the Lumpkin County Tax Commissioner's office, as you remain ultimately responsible for ensuring taxes are paid even when using escrow services.

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Section 6

Frequently Asked Questions

Q: When are property taxes due in Lumpkin County? A: Property taxes are due by November 15 each year. Property tax returns must be filed between January 1 and April 1.

Q: What homestead exemptions are available in Lumpkin County? A: Lumpkin County offers a $60,000 homestead exemption for qualifying residents. This exemption requires application and reduces the assessed value of your property for county tax purposes. Contact the Tax Assessor's office for application requirements.

Q: Do tax credits and exemptions apply automatically? A: No. All tax credits and exemptions require application and approval through the Lumpkin County Tax Assessor's office. They are not applied automatically, even if you qualify.

Q: How does the homestead exemption work? A: The homestead exemption reduces your property's assessed value by $60,000 for county tax purposes. This is an exemption (reducing assessed value), not a credit (reducing tax owed). You must apply and be approved to receive this benefit.

Q: What happens if I pay my property taxes late? A: Late payment penalties apply after November 15. Contact the Lumpkin County Tax Commissioner's office at (706) 864-3736 for current penalty rates and payment options.

Q: How often are properties reassessed in Lumpkin County? A: Georgia law requires properties to be reassessed periodically. Contact the Tax Assessor's office for the current assessment schedule and information about appealing assessments.

Q: Can I pay property taxes online? A: Contact the Lumpkin County Tax Commissioner's office at (706) 864-3736 or visit the county website for current online payment options and accepted payment methods.

Q: How do special district taxes work? A: Depending on your property location, you may pay additional taxes for fire districts, school bonds, or other special services. These rates vary by district and are added to your base county tax rate.

Q: What if I disagree with my property assessment? A: Property owners can appeal assessments through the Lumpkin County Board of Tax Assessors. Contact their office at (706) 864-3736 for appeal procedures and deadlines.

Q: Are there exemptions for seniors or disabled persons? A: Georgia offers various exemptions for seniors and disabled persons. Contact the Lumpkin County Tax Assessor's office to learn about available programs and application requirements, as these require separate applications and have specific eligibility criteria.

Verified Sources

Backed by 10 Official Government Sources

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

01
Start 03.2020lumpkincounty.gov
02
County
Lumpkin County, GEORIGA 2025 BUDGET CALENDAR ...lumpkincounty.gov
03
Tax Doc
Property Tax Millage Rates | Department of Revenuedor.georgia.gov
04
Tax Doc
Property Tax Returns and Payment - Department of Revenuedor.georgia.gov
05
County
Farm Winery Excise Tax PDF | Lumpkin County, Georgialumpkincounty.gov
06
Yearly Renewal Form – Retail Dealerlumpkincounty.gov
07
08 LC 34 1792/AP H. B. 1424 - 1legis.ga.gov
08
Tax Doc
IMPORTANT TAX INFORMATIONlumpkincounty.gov
09
Tax Doc
IMPORTANT TAX INFORMATIONlumpkincounty.gov
10
15 LC 28 7409 H. B. 356 - 1legis.ga.gov
All sources verified as of 2025 Tax Year

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