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Updated 2025 Tax Year

Murray County
Property Tax Guide

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

8 Official Sources
8 min read
Quick Facts
Tax Rate
1.5%-2.0% of assessed value (varies by taxing district and location within county)
Exemptions
4+ Available
Section 1

How Property Tax Works

Murray County, Georgia operates under a property tax system that serves as the primary funding source for essential local services including public schools, county government operations, emergency services, and infrastructure maintenance. Property owners in Murray County pay taxes based on their property's assessed value multiplied by the applicable millage rate, which varies depending on the specific location within the county due to different taxing districts and municipal boundaries.

The effective property tax rate in Murray County typically ranges from approximately 1.5% to 2.0% of assessed value, depending on your specific location and applicable taxing districts. For the 2025 tax year, Murray County Schools has set a millage rate of 15.448 mills (1.5448%), though property owners may face additional millage from county government, municipalities, and special districts. It's important to note that actual tax bills can vary significantly within the county based on which combination of taxing authorities serve your specific address, making location a crucial factor in determining your total property tax liability.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
Murray County Schools15.448Educational services, facilities, and operations
Murray County GovernmentVariesCounty services, administration, public safety
Municipal TaxesVariesCity services (if applicable to property location)
Special DistrictsVariesFire districts, water/sewer authorities, other special services

Note: The Murray County Schools rate of 15.448 mills is effective for FY 2025-2026. County government and municipal rates are set separately and may vary. One mill equals $1 per $1,000 of assessed value. Total millage rates vary significantly by location within Murray County due to different combinations of taxing districts serving each area. Contact the Murray County Tax Assessor's office to determine the exact millage rate applicable to your specific property address.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Murray 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 Murray County are triggered by changes in property ownership, new construction, or significant improvements that alter a property's assessed value during the tax year. When these events occur after the January 1 assessment date but before the end of the fiscal year, a supplemental tax bill is generated to account for the difference between the old and new assessed values for the remaining portion of the tax year.

The supplemental tax is calculated by determining the difference between the new assessed value and the previous assessed value, then multiplying by the applicable millage rate and prorating for the number of months remaining in the tax year. For example, if a property's assessed value increases from $200,000 to $300,000 due to new construction completed in July, and the total millage rate is 25 mills, the supplemental tax would be calculated as: ($300,000 - $200,000) × 0.025 × (6 months remaining ÷ 12 months) = $1,250 for the remainder of the tax year.

Example Calculation

Example 1: $300,000 Property

  • Market Value: $300,000
  • Assessed Value (40% of market): $120,000
  • Less: Homestead Exemption: $2,000
  • Net Taxable Value: $118,000
  • Tax Rate (estimated 25 mills): 2.5%
  • Annual Tax: $2,950
  • Monthly Escrow: $246

Example 2: $600,000 Property

  • Market Value: $600,000
  • Assessed Value (40% of market): $240,000
  • Less: Homestead Exemption: $2,000
  • Net Taxable Value: $238,000
  • Tax Rate (estimated 25 mills): 2.5%
  • Annual Tax: $5,950
  • Monthly Escrow: $496

Example 3: $1,000,000 Property

  • Market Value: $1,000,000
  • Assessed Value (40% of market): $400,000
  • Less: Homestead Exemption: $2,000
  • Net Taxable Value: $398,000
  • Tax Rate (estimated 25 mills): 2.5%
  • Annual Tax: $9,950
  • Monthly Escrow: $829

Note: Georgia assesses property at 40% of fair market value. The $2,000 homestead exemption requires application and applies only to primary residences. Actual millage rates vary by location within Murray County.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Murray County require property tax escrow accounts for borrowers who finance more than 80% of their home's value. Your lender collects monthly property tax payments along with your mortgage payment, depositing these funds into an escrow account. The lender then pays your property taxes directly to Murray County when they become due, typically in the fall of each year.

Lenders are required to conduct annual escrow analyses to ensure adequate funds are collected. If property taxes increase significantly, you may face an escrow shortage requiring either a lump sum payment or increased monthly escrow payments. Property owners can verify their tax information and ensure their lender has current assessment data by checking with the Murray County Tax Assessor's office. If you pay taxes independently without escrow, you're responsible for making timely payments to avoid penalties and potential tax liens on your property.

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 taxes due in Murray County for FY 2025-2026? A: Property tax bills are typically mailed in August and due by December 20th for the current tax year. Contact the Murray County Tax Commissioner's office for exact dates.

Q: What homestead tax credits are available and how do I apply? A: The standard $2,000 homestead exemption is available for primary residences and requires application by January 1st of the tax year. Additional credits may be available for seniors, disabled persons, and veterans. All credits require separate applications and are not automatically applied.

Q: How does the homestead exemption work? A: The homestead exemption provides a $2,000 reduction in assessed value for qualifying primary residences. It also caps assessment increases, helping limit dramatic tax increases from year to year. You must file an application with the Murray County Tax Assessor's office.

Q: When are properties reassessed in Murray County? A: Murray County conducts property assessments annually with values set as of January 1st each year. Mass reappraisals may occur periodically to ensure assessments reflect current market values.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Murray County Board of Tax Assessors within 45 days of receiving your tax notice. You'll need comparable sales data and evidence supporting your claim that the assessment exceeds fair market value.

Q: What are the penalties for late property tax payments? A: Late payments typically incur penalties and interest charges that accrue monthly. After sufficient delinquency, properties may face tax liens and eventual tax sales.

Q: Can I pay my property taxes online? A: Contact the Murray County Tax Commissioner's office to inquire about online payment options and accepted payment methods for current tax bills.

Q: Why do property taxes vary within Murray County? A: Different areas of Murray County are served by different combinations of taxing authorities (school districts, municipalities, special districts), resulting in varying total millage rates depending on your property's specific location.

Q: Do I need to file annual property tax returns? A: Georgia requires annual property tax returns for certain types of property. Contact the Murray County Tax Assessor's office to determine if your property requires annual filing and the applicable deadline.

Q: How are special district taxes determined? A: Special district taxes (fire districts, water authorities, etc.) are set by each individual district's governing board. These rates are added to your base county and school taxes based on which districts serve your property location.

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