Five Points, Chambers County, Alabama Property Taxes
Property Taxes in Five Points, Alabama
Median Five Points, Alabama effective property tax rate: 0.40%, significantly lower than the national median of 1.02%, and lower than the Alabama state median of 0.47%.
Median Five Points, Alabama home value: $97,650
Median annual Five Points, Alabama tax bill: $430, $1,970 lower than the national median property tax bill of $2,400.
How are property taxes in Chambers calculated?
Property taxes in Five Points, Alabama are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Five Points's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Five Points, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Five Points, Chambers County, Alabama Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.4%
Estimate Property Tax Bill
$391
$362
How Does the Five Points Property Tax Calculator Work?
Use this Five Points property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Five Points' median effective tax rate of 0.40% — based on actual property records in Chambers County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Five Points' median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Five Points: rates range from 0.40% in 36855 to 0.40% in 36855, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Five Points.
About Five Points Property Taxes
About Property Taxes in Five Points, Chambers, Alabama
Five Points's median effective property tax rate of 0.40% is lower than the Alabama state median of 0.47% and lower than the national median of 1.02%. This rate reflects the Chambers County base levy combined with local school district levies and special assessment districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Five Points. Homeowners in the 36855 ZIP code carry a median effective rate of 0.40%, while those in the same ZIP pay 0.40%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Chambers County. Understanding which part of Five Points you live in can make a meaningful difference to your annual tax bill.
Five Points homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the May 1, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Five Points, Chambers County, Alabama
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Five Points's effective property tax rate to other cities in Alabama and the median property tax rates in Alabama and the U.S.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Five Points Tax Rate
0.40%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Chambers County Tax Rate
0.43%
Median Effective Alabama Tax Rate
0.47%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Five Points, Chambers County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 36855 | 0.26% | 0.33% | 0.40% | 0.85% | 0.85% |
Source: Ownwell
Property Tax Assessment Values Across Five Points, Chambers County, Alabama
When examining property taxes in Five Points, Alabama, understanding the distinction between market value and assessed value is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Chambers County appraisal district estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices in Chambers County are sent in the spring each year and typically reach your mailbox by the middle of the season. Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill.
For example, the median home price in Five Points is $97,650, with a median tax bill of $430. That is well below the national median property tax bill of $2,400 and reflects a lower burden than many U.S. homeowners face.
Property Tax Assessment Values Across Five Points, Chambers County, Alabama
Source: Ownwell
$71,620
$103,265
$134,910
Median Five Points Market Value
$97,650
Median Chambers County Market Value
$84,610
Median Alabama Market Value
$169,700
Median United States Market Value
$235,294
Property Tax Assessment Values Across Five Points, Chambers County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 36855 | $26,402 | $53,985 | $97,650 | $169,310 | $261,624 |
Source: Ownwell
Property Tax Bills Across Five Points, Chambers County, Alabama
Property tax bills in Five Points are based on the assessed value of a home and the local tax rate set by Chambers County and other taxing authorities. When a property is valued, that assessed amount is used to calculate the bill, so homes with higher market values generally face higher taxes. For a median home price of $97,650, the tax bill can vary widely depending on the property’s assessed value and any applicable exemptions.
In Five Points, the median tax bill is $430.00, which is well below the national median property tax bill of $2,400 and the national median property tax rate of 1.02%. Bills in the area range from $223 at the 25th percentile to $760 at the 75th percentile, with the 90th percentile reaching $1,254. This means homeowners may see very different tax burdens even within the same city, depending on how their home is assessed and which local rates apply.
Median Five Points Tax Bill
$430
Median Chambers County Tax Bill
$443
Median Alabama Tax Bill
$813
Median United States Tax Bill
$2,400
Property Tax Bills Across Five Points, Chambers County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 36855 | $111 | $223 | $430 | $760 | $1,254 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | May 1 |
Links | |
|---|---|
| Chambers Tax Assessor | |
| Website | www.ingproperty.com |