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Updated 2025 Tax Year

Fredericksburg County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
0.81% of assessed value ($0.80 base + $0.01 fire tax per $100)
Exemptions
3+ Available
Section 1

How Property Tax Works

Fredericksburg County, Virginia operates a property tax system that serves as a primary funding source for essential local services including schools, public safety, infrastructure, and county operations. The county assesses real estate annually based on fair market value, with tax bills calculated by applying the county's tax rate to the assessed value of your property.

For the fiscal year 2025-2026, the base real estate tax rate is $0.80 per $100 of assessed value, plus an additional $0.01 per $100 for fire tax, resulting in a combined rate of $0.81 per $100. This translates to an effective rate of approximately 0.81% of assessed value. Property owners should note that actual tax rates may vary by location within the county due to special taxing districts, and most tax credits and exemptions require separate applications and are not automatically applied.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100DescriptionFiscal Year
Base Real Estate Tax$0.80General county operations and servicesFY 2025-2026
Fire Tax$0.01Fire protection servicesFY 2025-2026
Total Combined Rate$0.81Total rate for most propertiesFY 2025-2026

Note: These rates are effective from July 1, 2025, through June 30, 2026. Actual rates may vary by location within Fredericksburg County due to special taxing districts or additional assessments. Property owners should verify their specific rate based on their property's location and any applicable special district taxes.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Fredericksburg 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 are additional property tax bills issued when there are changes in property ownership, new construction, or improvements completed after the annual assessment date. In Fredericksburg County, supplemental personal property tax bills are mailed monthly for new vehicles or changes in vehicle ownership, as the county operates as a pro-rating locality.

For real estate, supplemental taxes are typically triggered by new construction completion, property splits, or significant improvements that increase the assessed value mid-year. The supplemental tax is calculated by applying the current tax rate to the additional assessed value, prorated for the remaining months in the tax year. For example, if a $50,000 home addition is completed in January, the supplemental tax would be calculated as: ($50,000 ÷ 100) × $0.81 × (6 months remaining ÷ 12 months) = $202.50 for the remainder of the fiscal year.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Applicable Tax Credits: $0 (assuming no credits applied)
  • Net Taxable Value: $300,000
  • Annual Tax: ($300,000 ÷ 100) × $0.81 = $2,430
  • Monthly Escrow: $2,430 ÷ 12 = $202.50

Example 2: $600,000 Home with Senior Credit

  • Assessed Value: $600,000
  • Senior/Disabled Tax Credit: -$500 (requires application)
  • Net Tax After Credits: [($600,000 ÷ 100) × $0.81] - $500 = $4,360
  • Monthly Escrow: $4,360 ÷ 12 = $363.33

Example 3: $1,000,000 Home with Veterans Credit

  • Assessed Value: $1,000,000
  • Veterans Disability Tax Credit: -$1,000 (requires application)
  • Net Tax After Credits: [($1,000,000 ÷ 100) × $0.81] - $1,000 = $7,100
  • Monthly Escrow: $7,100 ÷ 12 = $591.67

Note: Tax credits require separate applications and eligibility verification. Credits reduce the final tax bill, not the assessed value.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Fredericksburg County require property tax escrow accounts, where monthly payments are collected along with principal and interest to ensure timely tax payment. Lenders typically collect 1/12th of the annual tax bill each month, plus a cushion of 2-3 months to account for assessment increases.

Property taxes in Fredericksburg County are due semi-annually on June 5 and December 5 each year. Lenders usually pay the county directly from escrow accounts before these due dates. Property owners should receive an annual escrow analysis from their lender showing the account balance, payments made, and any adjustments needed. If your escrow account has a shortage due to assessment increases, the lender may increase your monthly payment or allow you to pay the shortage over time. Property owners can verify tax payments were made by checking the county's online payment system or contacting the county directly.

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Section 6

Frequently Asked Questions

Q: When are property taxes due in Fredericksburg County? A: Property taxes are due semi-annually on June 5 and December 5 each year for fiscal year 2025-2026. If these dates fall on weekends or holidays, payment is due the following business day.

Q: What tax credits are available and how do I apply? A: Common tax credits include senior/disabled persons credits, veterans disability credits, and other qualifying exemptions under Virginia Code §58.1-3661. These credits reduce your tax bill dollar-for-dollar but require separate applications filed with the county assessor. Applications typically have annual deadlines, so contact the assessor's office for specific forms and deadlines.

Q: How does the homestead credit work? A: The homestead credit, where available, caps annual assessment increases on your primary residence to a certain percentage (often 10% or less). This limits how much your assessed value can increase each year, not your market value. You must apply for this credit - it is not automatic - and reapply periodically as required by county regulations.

Q: When are properties assessed and how can I appeal? A: Fredericksburg County conducts annual assessments, typically with new values taking effect each July 1st. Property owners receive assessment notices and have a limited time to appeal if they believe the assessment is incorrect. Contact the county assessor's office for specific appeal deadlines and procedures.

Q: What penalties apply for late payments? A: A 10% penalty is added to any unpaid taxes after the due date. Additional interest and collection costs may also apply for extended delinquencies.

Q: Can I pay my property taxes online? A: Yes, Fredericksburg County typically offers online payment options. Tax bills can also be viewed online if you haven't received your bill by mail. Check the county's official website for current payment portal access.

Q: How do special taxing districts affect my tax rate? A: Some areas within Fredericksburg County may have additional special district taxes for services like lighting, water, or other improvements. These appear as separate line items on your tax bill and result in higher effective tax rates for properties in those districts.

Q: What triggers a supplemental tax bill? A: Supplemental taxes are issued for new construction completion, property ownership changes, significant improvements, or new vehicle registrations. These are prorated based on when the change occurred during the tax year.

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