Property Taxes in Lockhart, Alabama
Median Lockhart, Alabama effective property tax rate: 0.74%, significantly lower than the national median of 1.02%, and lower than the Alabama state median of 0.47%.
Median Lockhart, Alabama home value: $55,820
Median annual Lockhart, Alabama tax bill: $258, $2,142 lower than the national median property tax bill of $2,400.
How are property taxes in Covington calculated?
Property taxes in Lockhart, 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 Lockhart's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Lockhart, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Lockhart Property Tax Calculator Work?
Use this Lockhart property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Lockhart's median effective tax rate of 0.74% — based on actual property records in Covington 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 Lockhart'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 Lockhart: rates range from 0.74% in 36455 to 0.74% in 36455, 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 Lockhart.
About Lockhart Property Taxes
About Property Taxes in Lockhart, Covington, Alabama
Lockhart’s median effective property tax rate of 0.74% is lower than the Alabama state median of 0.47% and lower than the national median of 1.02%. This rate reflects the Covington 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 Lockhart. Homeowners in the 36455 ZIP code carry a median effective rate of 0.74%, while those in the lowest ZIP code pay 0.74%. This spread reflects how school district boundaries and local assessment districts are drawn across Covington County. Understanding which part of Lockhart you live in can make a meaningful difference to your annual tax bill.
Lockhart 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 Lockhart, Covington 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 Lockhart'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 Lockhart Tax Rate
0.74%
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 Covington County Tax Rate
0.33%
Median Effective Alabama Tax Rate
0.47%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Lockhart, Covington County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 36455 | 0.28% | 0.31% | 0.74% | 0.74% | 0.74% |
Source: Ownwell
Property Tax Assessment Values Across Lockhart, Covington County, Alabama
When examining property taxes in Lockhart, 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 Covington 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 Covington County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of spring.
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 Lockhart.
For example, the median home price in Lockhart is $55,820, with tax bills ranging significantly across the county. 36455 has the highest median home price at $55,820.
Property Tax Assessment Values Across Lockhart, Covington County, Alabama
Source: Ownwell
$55,820
$146,070
$236,320
Median Lockhart Market Value
$55,820
Median Covington County Market Value
$126,270
Median Alabama Market Value
$169,700
Median United States Market Value
$274,101
Property Tax Assessment Values Across Lockhart, Covington County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 36455 | $22,674 | $35,040 | $55,820 | $87,305 | $125,160 |
Source: Ownwell
Property Tax Bills Across Lockhart, Covington County, Alabama
Property tax bills in Lockhart are based on the assessed value of a home, not its market price alone. Local taxing authorities apply the tax rate to that assessed value to determine the amount a homeowner owes each year. For a home with a median value of $55,820, the bill can vary depending on exemptions, local levies, and how the property is classified.
In Covington County, the median property tax bill is $258, which is far below the national median property tax bill of $2,400. That means many homeowners in Lockhart pay relatively modest property taxes compared with the national average.
Even so, property tax bills can still affect household budgets, especially when assessed values rise or local tax rates change. Homeowners should review their assessments carefully because an inaccurate assessment can lead to paying more than necessary.
Median Lockhart Tax Bill
$258
Median Covington County Tax Bill
$445
Median Alabama Tax Bill
$813
Median United States Tax Bill
$3,209
Property Tax Bills Across Lockhart, Covington County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 36455 | $111 | $171 | $258 | $403 | $518 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | May 1 |
Links | |
|---|---|
| Covington Tax Assessor | |
| Website | altags.com |