Property Taxes in Moody, Alabama
Median Moody, Alabama effective property tax rate: 0.49%, significantly higher than the national median of 1.02%, and lower than the Alabama state median of 0.47%.
Median Moody, Alabama home value: $215,300
Median annual Moody, Alabama tax bill: $1,116, lower than the national median property tax bill of $2,400.
How are property taxes in St. Clair calculated?
Property taxes in Moody, 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 Moody's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Moody, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Moody Property Tax Calculator Work?
Use this Moody property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Moody's median effective tax rate of 0.49% — based on actual property records in St. Clair 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 Moody'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 Moody: rates range from 0.49% in 35004 to 0.49% in 35004, 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 Moody.
About Moody Property Taxes
About Property Taxes in Moody, St. Clair, Alabama
Moody’s median effective property tax rate of 0.49% is lower than the Alabama state median of 0.47% and lower than the national median of 1.02%. This rate reflects the St. Clair 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 Moody. Homeowners in the 35004 ZIP code carry a median effective rate of 0.49%, while those in 35004 pay 0.49%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across St. Clair County. Understanding which part of Moody you live in can make a meaningful difference to your annual tax bill.
Moody 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 Moody, St. Clair 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 Moody'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 Moody Tax Rate
0.49%
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 St. Clair County Tax Rate
0.39%
Median Effective Alabama Tax Rate
0.47%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Moody, St. Clair County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 35004 | 0.43% | 0.48% | 0.49% | 0.51% | 1.02% |
Source: Ownwell
Property Tax Assessment Values Across Moody, St. Clair County, Alabama
When examining property taxes in Moody, 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. St. Clair County 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 are sent in the spring each year and typically reach your mailbox by the middle of the season. 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.
For example, the median home price in Moody is $215,300, with a median tax bill of $1,116. The highest median home price is in 35004 at $215,300.
Property Tax Assessment Values Across Moody, St. Clair County, Alabama
Source: Ownwell
$97,090
$193,340
$289,590
Median Moody Market Value
$215,300
Median St. Clair County Market Value
$203,325
Median Alabama Market Value
$169,700
Median United States Market Value
$274,101
Property Tax Assessment Values Across Moody, St. Clair County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 35004 | $125,310 | $170,920 | $215,300 | $262,580 | $354,230 |
Source: Ownwell
Property Tax Bills Across Moody, St. Clair County, Alabama
Property tax bills in Moody are calculated by applying the local tax rate to a home’s assessed value, which is based on its market value and any exemptions that may reduce the taxable amount. Local taxing authorities use the assessed value to determine what a homeowner owes each year, so changes in market conditions can affect the bill even if the home itself has not changed. For homeowners, this means a higher assessed value can lead to a larger tax bill, while exemptions can help lower the amount due.
In Moody, the median home price is $215,300, and the median property tax bill is $1,116 in ZIP code 35004. That figure sits below the national median property tax bill of $2,400, which can make local taxes feel more manageable than in many parts of the country. Still, bills can vary widely, with the 25th percentile at $849 and the 90th percentile at $2,093, depending on the home and its assessed value.
Median Moody Tax Bill
$1,116
Median St. Clair County Tax Bill
$828
Median Alabama Tax Bill
$813
Median United States Tax Bill
$3,209
Property Tax Bills Across Moody, St. Clair County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 35004 | $600 | $849 | $1,116 | $1,544 | $2,093 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | May 1 |
Links | |
|---|---|
| St. Clair Tax Assessor | |
| Website | www.stclairtax.com |