Cragford, Clay County, Alabama Property Taxes
Property Taxes in Cragford, Alabama
Median Cragford, Alabama effective property tax rate: 0.27%, significantly lower than the national median of 1.02%, and lower than the Alabama state median of 0.47%.
Median Cragford, Alabama home value: $72,195
Median annual Cragford, Alabama tax bill: $194, $2,206 lower than the national median property tax bill of $2,400.
How are property taxes in Clay calculated?
Property taxes in Cragford, 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 Cragford's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Cragford, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Cragford, Clay County, Alabama Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.27%
Estimate Property Tax Bill
$195
$181
How Does the Cragford Property Tax Calculator Work?
Use this Cragford property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Cragford's median effective tax rate of 0.27% — based on actual property records in Clay 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 Cragford's 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 Cragford: rates range from 0.27% in 36255 to 0.27% in 36255, 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 Cragford.
About Cragford Property Taxes
About Property Taxes in Cragford, Clay, Alabama
Cragford’s median effective property tax rate of 0.27% is lower than the Alabama state median of 0.47% and lower than the national median of 1.02%. This rate reflects the Clay 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 Cragford. Homeowners in the 36255 ZIP code carry a median effective rate of 0.27%, while those in the same ZIP code pay 0.27%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Clay County. Understanding which part of Cragford you live in can make a meaningful difference to your annual tax bill.
Cragford 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 Cragford, Clay 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 Cragford'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 Cragford Tax Rate
0.27%
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 Clay County Tax Rate
0.29%
Median Effective Alabama Tax Rate
0.47%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Cragford, Clay County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 36255 | 0.15% | 0.21% | 0.27% | 0.31% | 0.50% |
Source: Ownwell
Property Tax Assessment Values Across Cragford, Clay County, Alabama
When examining property taxes in Cragford, 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 Clay 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 Clay County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month when notices are sent.
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. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Cragford.
For example, the median home price in Cragford is $72,195, with tax bills ranging significantly across the county. 36255 has the highest median home price at $72,195.
Property Tax Assessment Values Across Cragford, Clay County, Alabama
Source: Ownwell
$68,690
$77,528
$86,365
Median Cragford Market Value
$72,195
Median Clay County Market Value
$82,680
Median Alabama Market Value
$169,700
Median United States Market Value
$235,294
Property Tax Assessment Values Across Cragford, Clay County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 36255 | $27,063 | $43,485 | $72,195 | $125,745 | $206,426 |
Source: Ownwell
Property Tax Bills Across Cragford, Clay County, Alabama
Property tax bills in Cragford are based on the assessed value of a home, not the market value alone. Local tax rates are applied to that assessed value to determine what a homeowner owes each year. For Cragford, the median home price is $72,195, which helps show the scale of property values that feed into the tax calculation.
Several factors can affect the final bill, including the home’s assessed value, the local tax rate, and any exemptions a homeowner may qualify for. In Clay County, the median property tax bill is $194.00, and the highest and lowest median tax bill listed is also $194.00 in ZIP code 36255. That means many homeowners in the area see relatively modest bills compared with the national median property tax bill of $2,400.
For homeowners, this calculation matters because even small changes in assessed value or tax rates can change the amount owed. Understanding how the bill is determined can help homeowners better anticipate annual costs and review whether their assessment is accurate.
Median Cragford Tax Bill
$194
Median Clay County Tax Bill
$238
Median Alabama Tax Bill
$813
Median United States Tax Bill
$2,400
Property Tax Bills Across Cragford, Clay County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 36255 | $59 | $112 | $194 | $314 | $541 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | May 1 |
Links | |
|---|---|
| Clay Tax Assessor | |
| Website | www.ingproperty.com |