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Updated 2025 Tax Year

Oconee County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
~1% of assessed value (varies by district and municipality within county)
Exemptions
4+ Available
Section 1

How Property Tax Works

Oconee County, Georgia operates a property tax system that funds essential local services including public schools, emergency services, infrastructure maintenance, and county government operations. Property taxes are assessed based on fair market value as of January 1st each year, with Georgia's state-wide assessment ratio of approximately 40% of market value for residential properties.

Property tax rates in Oconee County vary by location within the county due to different special taxing districts, municipal boundaries, and school district zones. The effective tax rate typically ranges around 1% of assessed value, though this can vary based on your specific location and applicable tax credits. The Oconee County Board of Commissioners sets the annual millage rate through public meetings, with rates determined for each fiscal year. Property owners should verify their specific rate based on their exact location within the county.

Section 2

What Makes Up Your Tax Bill

The 2025 property tax rates for Oconee County are set by the Board of Commissioners during annual budget meetings. Exact millage rates vary by location within the county.

ComponentRate (Mills)Description
County General FundTBDBasic county services and operations
School DistrictTBDOconee County School District operations
Municipal (if applicable)VariesCity services for incorporated areas
Special DistrictsVariesFire districts, water/sewer authorities

Note: Millage rates are expressed in mills, where 1 mill = $1 per $1,000 of assessed value. The Board of Commissioners will announce the final 2025 millage rates at public meetings held at the Oconee County Administrative Complex. Rates vary significantly based on your specific location within the county and applicable special taxing districts.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Oconee 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 Oconee County are additional property tax assessments that occur when there are changes to property ownership, new construction, or significant improvements made during the tax year. These taxes are calculated based on the difference between the old and new assessed values, prorated for the portion of the tax year the change was in effect.

Common triggers for supplemental taxes include: purchasing a home, completing new construction, adding major improvements like additions or pools, or removing exemptions due to change in use. For example, if you purchase a $400,000 home in March that was previously assessed at $350,000, you would receive a supplemental tax bill for the increased assessment ($50,000 difference) prorated from March through December. The supplemental tax would be calculated using the current millage rate applied to the assessment increase.

Example Calculation

The following examples assume a standard county millage rate and include common tax credits. All tax credits require application and are not automatically applied.

Example 1: $300,000 Home with $5,000 Homestead Exemption

  • Market Value: $300,000
  • Assessed Value (40%): $120,000
  • Less Homestead Exemption: -$5,000
  • Net Taxable Value: $115,000
  • Annual Tax (estimated 25 mills): $2,875
  • Monthly Escrow: $240

Example 2: $600,000 Home with $5,000 Homestead Exemption

  • Market Value: $600,000
  • Assessed Value (40%): $240,000
  • Less Homestead Exemption: -$5,000
  • Net Taxable Value: $235,000
  • Annual Tax (estimated 25 mills): $5,875
  • Monthly Escrow: $490

Example 3: $1,000,000 Home with $5,000 Homestead Exemption

  • Market Value: $1,000,000
  • Assessed Value (40%): $400,000
  • Less Homestead Exemption: -$5,000
  • Net Taxable Value: $395,000
  • Annual Tax (estimated 25 mills): $9,875
  • Monthly Escrow: $823

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Oconee County require property tax escrow accounts to ensure timely payment of property taxes. Your lender collects monthly escrow payments along with your mortgage payment, typically 1/12th of your estimated annual property tax bill. The lender holds these funds in an escrow account and pays your property taxes directly to the county when due.

Property taxes attach as an enforceable lien on January 1st each year, and the county bills and collects its own property taxes. Your lender will receive the tax bill and pay it from your escrow account. You should receive an annual escrow analysis from your lender showing the account activity and any adjustments needed. If your property taxes increase due to reassessment or rate changes, your monthly escrow payment may be adjusted accordingly. Property owners can verify payments and account for any escrow shortages or surpluses through their annual escrow statement.

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 due in Oconee County? A: Property tax returns must be filed between January 1 and April 1 annually with the Oconee County Tax Commissioner. Vehicle registration and ad valorem taxes are due by your birthday each year.

Q: What homestead tax credits are available and how do I apply? A: Oconee County offers a general homestead exemption of $5,000 (increasing to $10,000 in 2035) that reduces assessed value. An additional $10,000 exemption automatically applies at age 75. All exemptions require application - they are not automatic. Contact the Tax Assessor's office to apply.

Q: How does the homestead exemption work? A: The homestead exemption reduces your home's assessed value by the exemption amount ($5,000 currently). It does not cap assessment increases - it simply reduces the taxable value. You must apply for this exemption; it is not automatically granted.

Q: When are property taxes due and what are the penalties for late payment? A: Contact the Oconee County Tax Commissioner for specific due dates and penalty information, as these can vary by tax year and property type.

Q: How often are properties reassessed in Oconee County? A: Georgia law requires properties to be assessed annually at fair market value as of January 1st. You can appeal your assessment through the Board of Assessors if you believe it's incorrect.

Q: Can I pay my property taxes online? A: Check the Oconee County Tax Commissioner's website for available online payment options and accepted methods.

Q: What if I live in a municipality within Oconee County? A: You'll pay both county taxes and municipal taxes. Your total millage rate will be higher than unincorporated areas due to additional city services.

Q: Are there other tax credits available besides homestead exemptions? A: Contact the Oconee County Tax Assessor for information about additional exemptions that may be available for seniors, disabled persons, or other qualifying circumstances. All require separate applications.

Q: What special districts might affect my tax rate? A: Depending on your location, you may pay additional taxes for fire districts, water/sewer authorities, or other special purpose districts. These vary significantly by location within the county.

Q: How do I contact the Tax Commissioner or Assessor? A: Visit the Oconee County website or call the county offices directly for current contact information and office hours.

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