Waterloo, Lauderdale County, Alabama Property Taxes
Property Taxes in Waterloo, Alabama
Median Waterloo, Alabama effective property tax rate: 0.35%, significantly lower than the national median of 1.02%, and lower than the Alabama state median of 0.47%.
Median Waterloo, Alabama home value: $137,180
Median annual Waterloo, Alabama tax bill: $541, $1,859 lower than the national median property tax bill of $2,400.
How are property taxes in Lauderdale calculated?
Property taxes in Waterloo, 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 Waterloo's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Waterloo, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Waterloo, Lauderdale County, Alabama Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.35%
Estimate Property Tax Bill
$480
$446
How Does the Waterloo Property Tax Calculator Work?
Use this Waterloo property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Waterloo's median effective tax rate of 0.35% — based on actual property records in Lauderdale 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 Waterloo'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 Waterloo: rates range from 0.35% in 35677 to 0.35% in 35677, 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 Waterloo.
About Waterloo Property Taxes
About Property Taxes in Waterloo, Lauderdale, Alabama
Waterloo's median effective property tax rate of 0.35% is lower than the Alabama state median of 0.47% and lower than the national median of 1.02%. This rate reflects the Lauderdale 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 Waterloo. Homeowners in the 35677 ZIP code carry a median effective rate of 0.35%, while those in the same ZIP code pay 0.35%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Lauderdale County. Understanding which part of Waterloo you live in can make a meaningful difference to your annual tax bill.
Waterloo homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the June 30, 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 Waterloo, Lauderdale 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 Waterloo'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 Waterloo Tax Rate
0.35%
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 Lauderdale County Tax Rate
0.41%
Median Effective Alabama Tax Rate
0.47%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Waterloo, Lauderdale County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 35677 | 0.21% | 0.34% | 0.35% | 0.45% | 0.77% |
Source: Ownwell
Property Tax Assessment Values Across Waterloo, Lauderdale County, Alabama
When examining property taxes in Waterloo, 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 Lauderdale 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 Lauderdale 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 Waterloo.
For example, the median home price in Waterloo is $137,180, with tax bills ranging significantly across the county. Zip code 35677 has the highest median home price at $137,180.
Property Tax Assessment Values Across Waterloo, Lauderdale County, Alabama
Source: Ownwell
$137,180
$200,675
$264,170
Median Waterloo Market Value
$137,180
Median Lauderdale County Market Value
$201,230
Median Alabama Market Value
$169,700
Median United States Market Value
$235,294
Property Tax Assessment Values Across Waterloo, Lauderdale County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 35677 | $48,834 | $79,730 | $137,180 | $238,455 | $383,620 |
Source: Ownwell
Property Tax Bills Across Waterloo, Lauderdale County, Alabama
Waterloo property tax bills are calculated from the assessed value of a home, which is based on its market value and then multiplied by the local tax rate. For homeowners in Waterloo, the median home price is $137,180, and the tax bill can vary widely depending on location and assessment details.
What a homeowner pays depends on factors such as the home’s value, any exemptions, and how local taxing authorities set rates. In Waterloo, the 25th percentile tax bill is $329, while the 75th percentile is $849 and the 90th percentile reaches $1,350. The median tax bill is $541 in zip code 35677, which is also the highest and lowest median tax bill reported.
These property taxes affect homeowners by adding a recurring cost that can change from year to year as assessed values and tax rates shift.
Median Waterloo Tax Bill
$541
Median Lauderdale County Tax Bill
$911
Median Alabama Tax Bill
$813
Median United States Tax Bill
$2,400
Property Tax Bills Across Waterloo, Lauderdale County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 35677 | $219 | $329 | $541 | $849 | $1,350 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | June 30 |
Links | |
|---|---|
| Lauderdale Tax Assessor | |
| Website | www.deltacomputersystems.com |