Owens Cross Roads, Madison County, Alabama Property Taxes
Property Taxes in Owens Cross Roads, Alabama
Median Owens Cross Roads, Alabama effective property tax rate: 0.57%, significantly lower than the national median of 1.02%, and higher than the Alabama state median of 0.47%.
Median Owens Cross Roads, Alabama home value: $369,800
Median annual Owens Cross Roads, Alabama tax bill: $2,169, $231 lower than the national median property tax bill of $2,400.
How are property taxes in Madison calculated?
Property taxes in Owens Cross Roads, 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 Owens Cross Roads' property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Owens Cross Roads, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Owens Cross Roads, Madison County, Alabama Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.57%
Estimate Property Tax Bill
$2,108
$1,956
How Does the Owens Cross Roads Property Tax Calculator Work?
Use this Owens Cross Roads property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Owens Cross Roads' median effective tax rate of 0.57% — 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 Owens Cross Roads' 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 Owens Cross Roads: rates range from 0.57% in 35763 to 0.57% in 35763, 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 Owens Cross Roads.
About Owens Cross Roads Property Taxes
About Property Taxes in Owens Cross Roads, Madison, Alabama
Owens Cross Roads’s median effective property tax rate of 0.57% is higher 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 Owens Cross Roads. Homeowners in the 35763 ZIP code carry a median effective rate of 0.57%, while those in 35763 pay 0.57%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Madison County. Understanding which part of Owens Cross Roads you live in can make a meaningful difference to your annual tax bill.
Owens Cross Roads 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 Owens Cross Roads, 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 Owens Cross Roads'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 Owens Cross Roads Tax Rate
0.57%
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
1.02%
Property Tax Rates Across Owens Cross Roads, Madison County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 35763 | 0.38% | 0.51% | 0.57% | 0.57% | 0.81% |
Source: Ownwell
Property Tax Assessment Values Across Owens Cross Roads, Madison County, Alabama
When examining property taxes in Owens Cross Roads, 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 Owens Cross Roads.
For example, the median home price in Owens Cross Roads is $369,800, with tax bills ranging significantly across the county. 35763 has the highest median home price at $369,800.
Property Tax Assessment Values Across Owens Cross Roads, Madison County, Alabama
Source: Ownwell
$111,200
$240,500
$369,800
Median Owens Cross Roads Market Value
$369,800
Median Madison County Market Value
$256,400
Median Alabama Market Value
$169,700
Median United States Market Value
$235,294
Property Tax Assessment Values Across Owens Cross Roads, Madison County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 35763 | $180,390 | $273,550 | $369,800 | $493,975 | $608,710 |
Source: Ownwell
Property Tax Bills Across Owens Cross Roads, Madison County, Alabama
Property tax bills in Owens Cross Roads are based on the assessed value of a home, not its market price alone. Local taxing authorities apply the property tax rate to that assessed value to determine the annual bill, so changes in home value can directly affect what homeowners owe.
With a median home price of $369,800, the typical tax bill in the area reflects how local assessments and tax rates work together. Homeowners with lower assessed values may see bills closer to the 25th percentile of $1,511, while higher-value homes can face bills near the 75th percentile of $2,953 or even the 90th percentile of $3,700.
For many homeowners, property taxes are one of the largest ongoing housing costs. Because the bill depends on both the assessed value and the local tax rate, even small changes in either can make a noticeable difference. In Madison County, understanding how your bill is calculated can help you better anticipate annual costs and spot when a property tax bill may be higher than expected.
Median Owens Cross Roads Tax Bill
$2,169
Median Madison County Tax Bill
$1,394
Median Alabama Tax Bill
$813
Median United States Tax Bill
$2,400
Property Tax Bills Across Owens Cross Roads, Madison County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 35763 | $757 | $1,511 | $2,169 | $2,953 | $3,700 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | April 30 |
Links | |
|---|---|
| Madison Tax Assessor | |
| Website | madisonproperty.countygovservices.com |