HonestCasa logoHonestCasa
Updated 2025 Tax Year

Stafford County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
$0.9236 per $100 of assessed value (base rate, varies by special taxing districts)
Exemptions
4+ Available
Section 1

How Property Tax Works

Stafford County, Virginia operates on a property tax system that serves as the primary funding source for essential local services including schools, public safety, infrastructure maintenance, and county operations. Property owners are assessed based on the fair market value of their real estate as determined by the County Assessor's Office, with taxes calculated using a millage rate applied to the assessed value.

For the fiscal year 2026 (July 1, 2025 - June 30, 2026), the base real property tax rate is $0.9236 per $100 of assessed value, representing a slight increase from the previous year's rate of $0.93 per $100. However, actual tax rates may vary by location within Stafford County due to special taxing districts, including school bonds and other local improvement assessments that can add additional charges to your property tax bill.

The county follows a semi-annual payment schedule, and while Virginia's average effective property tax rate hovers around 1%, Stafford County property owners typically experience rates slightly below this state average, making it relatively affordable compared to neighboring Northern Virginia jurisdictions.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100Description
Base Real Property Tax$0.9236General county operations and services (FY 2026)
Special DistrictsVariesAdditional assessments for specific geographic areas
School BondsVaries by districtDebt service for school construction and improvements
Total Effective Rate~$0.92-$1.05Combined rate depending on location within county

Note: These rates apply to fiscal year 2026 (July 1, 2025 - June 30, 2026). Properties located in special taxing districts may be subject to additional assessments beyond the base rate. Contact the Stafford County Treasurer's Office to determine your exact rate based on your property's location.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Stafford 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 Stafford County are additional property tax assessments that occur when there are changes to property ownership, value, or classification outside of the regular assessment cycle. Common triggers include the sale or transfer of property, completion of new construction, major improvements or renovations, and changes in property use classification.

When a supplemental assessment is issued, the tax is calculated based on the difference between the old and new assessed values, prorated for the remaining portion of the fiscal year. For example, if you complete a $100,000 home addition in January and your property is reassessed, you would owe supplemental taxes on that increased value from January through the end of the fiscal year (June 30).

Supplemental tax bills are due within 30 days of the bill date and, if not paid when due, are subject to the same penalties and interest charges as regular property taxes. These assessments ensure that property taxes reflect current property values and uses throughout the tax year, maintaining equity in the assessment system.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Applicable Tax Credits: -$0 (no credits applied)
  • Net Taxable Value: $300,000
  • Annual Tax ($0.9236 rate): $2,771
  • Monthly Escrow: $231

Example 2: $600,000 Home with Veteran Credit

  • Assessed Value: $600,000
  • Veteran Disability Tax Credit: -$150 (estimated annual credit)
  • Net Taxable Value: $600,000
  • Annual Tax Before Credits: $5,542
  • Annual Tax After Credits: $5,392
  • Monthly Escrow: $449

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

  • Assessed Value: $1,000,000
  • Senior/Disabled Tax Credit: -$300 (estimated annual credit)
  • Net Taxable Value: $1,000,000
  • Annual Tax Before Credits: $9,236
  • Annual Tax After Credits: $8,936
  • Monthly Escrow: $745

Note: Tax credits shown require annual application and eligibility verification. Actual credit amounts vary based on individual circumstances and program requirements.

See How Taxes Affect Your Payment

Property taxes are just part of your total monthly cost. Get the full picture.

Calculate Now
Section 5

Escrow & Property Taxes

Most mortgage lenders in Stafford County require borrowers to maintain an escrow account for property tax payments, particularly for loans with less than 20% down payment. Your lender will collect monthly payments equal to 1/12 of your annual property tax bill plus a small cushion, typically 2-3 months of payments, to ensure sufficient funds are available when taxes come due.

Property taxes in Stafford County are due semi-annually: the first half payment is due June 5th and the second half is due December 5th each year. Your mortgage servicer will typically pay these bills directly to the Stafford County Treasurer's Office from your escrow account. Lenders are required to provide annual escrow analysis statements showing how your funds were used and any adjustments needed for the coming year.

If your property taxes increase due to reassessment or rate changes, your monthly escrow payment may be adjusted accordingly. Conversely, if you qualify for new tax credits or exemptions, be sure to notify your lender so they can adjust your escrow payments downward and potentially provide a refund of excess funds collected.

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 Stafford County for FY 2026? A: Property taxes are due semi-annually on June 5th for the first half and December 5th for the second half. For fiscal year 2026, the first payment was due June 5, 2025, and the second payment is due December 5, 2025.

Q: What tax credits are available and do I need to apply? A: Stafford County offers several tax credits including veteran disability credits, senior/disabled person credits, and land use taxation for agricultural/forestry properties. All credits require annual application and are not automatically applied. Contact the County Assessor's Office for specific applications and deadlines.

Q: How does the homestead exemption work in Virginia? A: Virginia does not have a traditional homestead exemption like some states. However, there are assessment limitation programs that may cap annual assessment increases for qualifying senior or disabled homeowners. These programs require application and limit how much your assessment can increase year-over-year, not your market value.

Q: How often are properties reassessed in Stafford County? A: Stafford County conducts general reassessments periodically, typically every few years. Between general reassessments, properties may be individually reassessed due to sales, improvements, or other changes. The Assessor's Office maintains current market values through ongoing sales analysis and property inspections.

Q: What are the penalties for late property tax payments? A: Late payments are subject to penalties and interest charges. Contact the Stafford County Treasurer's Office for current penalty rates and payment arrangements if you're unable to pay by the due dates.

Q: Can I pay my property taxes online? A: Yes, Stafford County offers online payment options through their official website. You can also pay by mail, in person, or set up automatic payments. The Treasurer's Office encourages early payment or online scheduling to ensure timely receipt.

Q: How do special taxing districts affect my bill? A: Properties located in special districts may have additional assessments for services like enhanced lighting, landscaping, or debt service for local improvements. Your tax bill will itemize these charges separately from the base county tax rate.

Q: How do I appeal my property assessment? A: Property assessment appeals must be filed with the Stafford County Board of Equalization within the specified timeframe following your assessment notice. The appeal process includes specific deadlines and documentation requirements available through the Assessor's Office.

See the Full Picture of Your Home Costs

Property taxes are just one piece of homeownership. HonestCasa helps you understand your total monthly cost and explore safe ways to access your home equity.

Total Monthly Cost

Mortgage + taxes + insurance + HOA

Equity Growth

Track how your equity grows over time

Safe Equity Access

Options for projects or debt payoff

Free • No credit check • 2-minute estimate