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Updated 2025 Tax Year

Gloucester County
Property Tax Guide

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

9 Official Sources
8 min read
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Quick Facts
Tax Rate
$0.805 per $100 of assessed value (base rate, varies by special taxing district)
Exemptions
3+ Available
Section 1

How Property Tax Works

Gloucester County, Virginia operates on a property tax system that serves as the primary funding source for essential county services including public schools, public safety, road maintenance, and general government operations. Property taxes in Gloucester County are assessed annually based on fair market value as of January 1st, with real estate tax bills issued twice yearly. The county's effective tax rate varies depending on your specific location within the county due to special taxing districts and additional assessments.

For the 2025 tax year, Gloucester County's base real estate tax rate is $0.805 per $100 of assessed value, though property owners may pay additional amounts based on special district assessments in their area. Personal property taxes are assessed separately with different rates for various categories including automobiles, business tangible personal property at $3.10 per $100 assessed value, and machinery. The actual tax burden can be reduced through various tax credits available to qualifying property owners, though these credits require separate applications and are not automatically applied.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100Description
Real Estate Base Rate$0.805FY 2025 base county real estate tax
Business Tangible Personal Property$3.10Machinery and business equipment
Personal Property (Automobiles)VariesRate set annually with budget adoption
Personal Property Tax Relief22% creditState-provided relief for qualifying vehicles

Note: These rates apply to FY 2025 and may vary by special taxing district within Gloucester County. Additional assessments may apply depending on your property's location within specific service districts or bond assessment areas. Contact the Commissioner of Revenue for district-specific rate information.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Gloucester 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 tax bills are issued when significant changes occur to a property after the January 1st assessment date but during the current tax year. Common triggers include completion of new construction projects, major renovations that add substantial value, or changes in property ownership that reveal previously unreported improvements. The supplemental tax is calculated based on the added assessed value multiplied by the current tax rate, prorated for the remaining months in the tax year.

For example, if you complete a $50,000 home addition in August and it's finalized through permits, you would receive a supplemental bill for the added assessed value ($50,000 × $0.805 per $100 = $402.50) prorated from August through the end of the fiscal year. These bills are separate from your regular semi-annual tax bills and have their own due dates as specified on the supplemental notice.

Example Calculation

$300,000 Assessed Value Home:

  • Assessed Value: $300,000
  • Applicable Credits: None applied
  • Net Taxable Value: $300,000
  • Annual Tax: $300,000 × $0.805/$100 = $2,415
  • Monthly Escrow: $201.25

$600,000 Assessed Value Home:

  • Assessed Value: $600,000
  • Applicable Credits: None applied
  • Net Taxable Value: $600,000
  • Annual Tax: $600,000 × $0.805/$100 = $4,830
  • Monthly Escrow: $402.50

$1,000,000 Assessed Value Home:

  • Assessed Value: $1,000,000
  • Applicable Credits: None applied
  • Net Taxable Value: $1,000,000
  • Annual Tax: $1,000,000 × $0.805/$100 = $8,050
  • Monthly Escrow: $670.83

Note: These calculations use the base rate only. Additional special district assessments may apply. Tax credits for seniors, disabled veterans, or other qualifying categories require separate applications and can significantly reduce the final tax bill.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Gloucester County require property tax escrow accounts for borrowers with less than 20% down payment or upon borrower request. Your lender collects approximately 1/12 of your estimated annual property tax bill each month along with your mortgage payment. The lender receives your tax bills directly and pays them on your behalf by the June 30 and December 5 due dates.

It's important to review your annual escrow analysis statement and verify that your lender has current assessment information, especially after reassessments or if you've applied for tax credits. If you're eligible for tax credits that reduce your bill, notify your lender immediately so they can adjust your monthly escrow collection. Property owners remain ultimately responsible for ensuring taxes are paid even when using escrow services, so monitor your tax account online or contact the Treasurer's Office if you have concerns about payment timing.

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 Gloucester County? A: Real estate taxes are due twice yearly on June 30 and December 5 for FY 2025. Personal property tax returns must be filed by March 1st annually.

Q: What tax credits are available and do I need to apply? A: Tax credits are available for seniors, disabled veterans, surviving spouses, and other qualifying categories. All credits require separate applications and are not automatically applied. Contact the Commissioner of Revenue for application forms and deadlines.

Q: How does the homestead credit work? A: Homestead-type credits in Virginia typically limit annual assessment increases rather than reducing market value. These require annual or periodic applications and have specific eligibility requirements. Contact the local assessor for current homestead programs and application procedures.

Q: When does the county reassess property values? A: Contact the Commissioner of Revenue for the current reassessment schedule. Property owners can appeal assessments through the Board of Equalization during specified appeal periods.

Q: What are the penalties for late payment? A: Late payment penalties and interest charges apply to overdue taxes. Contact the Treasurer's Office for current penalty rates and payment options for delinquent accounts.

Q: Can I pay my property taxes online? A: Yes, Gloucester County offers online access to both personal property and real estate tax information and payments through the Treasurer's Office website.

Q: Do special districts affect my tax bill? A: Yes, additional assessments may apply depending on your property's location within special service districts or bond assessment areas. Your tax bill will itemize any additional district charges.

Q: Are there military exemptions available? A: Active duty military personnel may be eligible for specific tax relief programs. Contact the Commissioner of Revenue for information about military-related tax benefits and application requirements.

Verified Sources

Backed by 9 Official Government Sources

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

01
Commissioner of the Revenuegloucesterva.gov
02
County
Treasurer — Gloucester County, VAgloucesterva.gov
03
Board of Supervisors Adopts Fiscal Year 2026 Budgetloudoun.gov
04
Commissioner of the Revenue FAQgloucesterva.gov
05
County
Real Estate Assessment - Gloucester County, VAgloucesterva.gov
06
State
Real Estate Taxgloucesterva.gov
07
Tax Doc
Personal Property Taxgloucesterva.gov
08
State
Real Estate Assessment FAQgloucesterva.gov
09
State
Supplemental Real Estate & Personal Property Tax ...loudoun.gov
All sources verified as of 2025 Tax Year

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