Property Taxes in Ardmore, Alabama
Median Ardmore, Alabama effective property tax rate: 0.34%, significantly lower than the national median of 1.02%, and lower than the Alabama state median of 0.47%.
Median Ardmore, Alabama home value: $220,300
Median annual Ardmore, Alabama tax bill: $781, $1,619 lower than the national median property tax bill of $2,400.
How are property taxes in Madison calculated?
Property taxes in Ardmore, 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 Ardmore's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Ardmore, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Ardmore Property Tax Calculator Work?
Use this Ardmore property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Ardmore's median effective tax rate of 0.34% — based on actual property records in Madison 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 Ardmore'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 Ardmore: rates range from 0.34% in 35739 to 0.34% in 35739, 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 Ardmore.
About Ardmore Property Taxes
About Property Taxes in Ardmore, Madison, Alabama
Ardmore’s median effective property tax rate of 0.34% is lower than the Alabama state median of 0.47% and lower than the national median of 1.02%. This rate reflects the Madison 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 Ardmore. Homeowners in the 35739 ZIP code carry a median effective rate of 0.34%, and that same ZIP also shows the city’s median home price of $220,300 and median tax bill of $781. Understanding how local assessments are set can make a meaningful difference to your annual tax bill.
Ardmore homeowners who believe their assessed value is too high can file a formal appeal with the 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 Ardmore, Madison 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 Ardmore'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 Ardmore Tax Rate
0.34%
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 Madison County Tax Rate
0.56%
Median Effective Alabama Tax Rate
0.47%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Ardmore, Madison County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 35739 | 0.28% | 0.30% | 0.34% | 0.35% | 0.72% |
Source: Ownwell
Property Tax Assessment Values Across Ardmore, Madison County, Alabama
When examining property taxes in Ardmore, 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 Madison 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 Madison 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 Ardmore.
For example, the median home price in Ardmore is $220,300, with tax bills ranging significantly across the county. 35739 has the highest median home price at $220,300.
Property Tax Assessment Values Across Ardmore, Madison County, Alabama
Source: Ownwell
$111,200
$240,500
$369,800
Median Ardmore Market Value
$220,300
Median Madison County Market Value
$256,400
Median Alabama Market Value
$169,700
Median United States Market Value
$274,101
Property Tax Assessment Values Across Ardmore, Madison County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 35739 | $81,000 | $132,550 | $220,300 | $309,450 | $456,300 |
Source: Ownwell
Property Tax Bills Across Ardmore, Madison County, Alabama
Property tax bills in Ardmore are based on the assessed value of a home, not its market price, and the local tax rate applied to that assessment. For homeowners, the bill reflects both the value assigned to the property and the taxing authorities that apply to it. In Ardmore, the median home price is $220,300, and the median property tax bill is $781, which is below the national median property tax bill of $2,400 and the national median property tax rate of 1.02%.
What factors are considered when the bill is calculated? The main factors are the assessed value of the home and the local tax rate. Higher assessed values generally lead to higher tax bills, while lower assessments can reduce what a homeowner owes. In Ardmore, tax bills can vary widely, with the 25th percentile at $460 and the 75th percentile at $1,138.
How does this affect homeowners? It means two similar homes can receive different bills depending on how they are assessed and where they are located within Madison County.
Median Ardmore Tax Bill
$781
Median Madison County Tax Bill
$1,394
Median Alabama Tax Bill
$813
Median United States Tax Bill
$3,209
Property Tax Bills Across Ardmore, Madison County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 35739 | $318 | $460 | $781 | $1,138 | $1,669 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | April 30 |
Links | |
|---|---|
| Madison Tax Assessor | |
| Website | madisonproperty.countygovservices.com |