Ray City, Berrien County, Georgia Property Taxes
Property Taxes in Ray City, Georgia
Median Ray City, Georgia effective property tax rate: 1.25%, significantly higher than the national median of 1.02%, and higher than the Georgia state median of 1.00%.
Median Ray City, Georgia home value: $73,644
Median annual Ray City, Georgia tax bill: $894, lower than the national median property tax bill of $2,400.
How are property taxes in Berrien calculated?
Property taxes in Ray City, Georgia 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 Ray City's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Ray City, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Ray City, Berrien County, Georgia Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.25%
Estimate Property Tax Bill
$921
$854
How Does the Ray City Property Tax Calculator Work?
Use this Ray City property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Ray City's median effective tax rate of 1.25% — based on actual property records in Berrien 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 Ray City's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Ray City's median effective property tax rate is higher than the Georgia state median tax rate of 1.00% and higher than the national median property tax rate of 1.02%, while the median tax bill of $894 is lower than the Georgia state median tax bill by $1,506. Your bill may vary by ZIP code within Ray City, but the available ZIP code trend shown here is 31645, where the median tax bill is $894.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Ray City.
About Ray City Property Taxes
About Property Taxes in Ray City, Berrien, Georgia
Ray City’s median effective property tax rate of 1.25% is lower than the Georgia state median of 1.00% and higher than the national median of 1.02%. This rate reflects the Berrien County base levy combined with local school district levies and Community Improvement Districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Ray City. Homeowners in ZIP code 31645 carry a median effective rate of 1.25%, and the same ZIP also has the median tax bill of $894 and median home price of $73,644. This reflects how school district boundaries and local assessment districts are drawn across Berrien County.
Ray City homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before June 1, 2026.
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 Ray City, Berrien County, Georgia
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 Ray City’s effective property tax rate to other cities in Georgia and the median property tax rates in Georgia 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 Ray City Tax Rate
1.25%
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 Berrien County Tax Rate
1.23%
Median Effective Georgia Tax Rate
1.00%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Ray City, Berrien County, Georgia
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 31645 | 0.81% | 1.08% | 1.25% | 1.39% | 1.43% |
Source: Ownwell
Property Tax Assessment Values Across Ray City, Berrien County, Georgia
When examining property taxes in Ray City, Georgia, 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 Berrien 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 Berrien 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. The median home price in Ray City is $73,644, and the median tax bill is $894, compared with the national median property tax bill of $2,400. In zip code 31645, both the highest median home price and highest median tax bill are $73,644 and $894.
Property Tax Assessment Values Across Ray City, Berrien County, Georgia
Source: Ownwell
$50,180
$65,747
$81,313
Median Ray City Market Value
$73,644
Median Berrien County Market Value
$75,716
Median Georgia Market Value
$280,310
Median United States Market Value
$235,294
Property Tax Assessment Values Across Ray City, Berrien County, Georgia
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 31645 | $19,233 | $34,929 | $73,644 | $143,760 | $193,256 |
Source: Ownwell
Property Tax Bills Across Ray City, Berrien County, Georgia
Property tax bills in Ray City are calculated from the assessed value of a home and the local tax rate set by taxing authorities in Berrien County. The assessed value is based on the market value of the property, and that value is then multiplied by the applicable tax rate to determine the bill. Homeowners may also see differences based on exemptions, which can reduce the taxable value and lower the amount owed.
For Ray City homeowners, property taxes can have a meaningful impact because the median home price is $73,644, while the median tax bill in the area is $894.00. That amount is below the national median property tax bill of $2,400, showing that local bills are relatively modest compared with many parts of the country. Still, tax bills can vary widely, with the 25th percentile at $389 and the 75th percentile at $1,831. Understanding how assessed value, market value, and exemptions affect the final bill can help homeowners better anticipate what they owe.
Median Ray City Tax Bill
$894
Median Berrien County Tax Bill
$940
Median Georgia Tax Bill
$2,476
Median United States Tax Bill
$2,400
Property Tax Bills Across Ray City, Berrien County, Georgia
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 31645 | $183 | $389 | $894 | $1,831 | $2,399 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | August 14 |
Links | |
|---|---|
| Berrien Tax Assessor | |
| Website | qpublic.schneidercorp.com |