Stephens County, Georgia Property Taxes
Property Taxes in Stephens County, Georgia
Median Stephens County effective property tax rate: 1.21%, significantly higher than the national median of 1.02%.
Median Stephens County home value: $117,122
Median annual Stephens County tax bill: $1,274, lower than the national median property tax bill of $2,400.
How are property taxes in Stephens County calculated?
Property taxes in Stephens County 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 your county's property tax system, exemptions, and reduction opportunities can lead to significant savings. Whether you live in Stephens County or another part of Stephens County, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Stephens County, Georgia Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.21%
Estimate Property Tax Bill
$1,417
$1,315
How Does the Stephens County Property Tax Calculator Work?
Use this Stephens County property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Stephens County's median effective tax rate of 1.21% to generate your estimate.
Enter your property's estimated assessed value — the figure the appraisal district assigns for tax purposes, which is typically lower than market value after applicable exemptions. Our calculator uses the median effective rate for a more accurate estimate than the statutory millage rate alone.
Your actual bill may vary based on your specific exemptions, local school district levies, and any special assessment districts that apply to your property. Stephens County's median effective tax rate is higher than the 1.00% state median and above the 1.02% national median property tax rate.
For a more precise estimate, scroll down to explore city and ZIP code-level tax rate trends across Stephens County.
Property Tax Rates Across Stephens County, Georgia
What Are Effective Property Tax Rates Across Stephens County?
Local government entities set tax rates, which vary widely across Stephens County. Each year, the county estimates its budget for public services and divides that total by the assessed value of all taxable property within its jurisdiction.
Below, compare Stephens County's effective property tax rate to other counties in Georgia or the U.S. median of 1.02%.
Stephens County's median effective rate stands at 1.21%, which is higher than the national median of 1.02%. Within Stephens County, the highest rate is found in Toccoa at 1.22%, while Baldwin has the lowest at 0.73%.
These variations reflect differences in local school district levies, Community Improvement Districts assessments, and special district bonds — which compound the base county rate.
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 Stephens County Tax Rate
1.21%
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 Georgia Tax Rate
1.00%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Stephens County, Georgia
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Baldwin | 0.10% | 0.32% | 0.73% | 1.02% | 1.19% |
| Eastanollee | 0.34% | 0.77% | 1.17% | 1.22% | 1.22% |
| Martin | 0.64% | 1.00% | 1.22% | 1.22% | 1.22% |
| Mount Airy | 0.81% | 0.91% | 1.04% | 1.16% | 1.19% |
| Toccoa | 0.37% | 0.86% | 1.22% | 1.37% | 1.43% |
| Toccoa Falls | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Stephens County, Georgia
When examining property taxes in Stephens County, 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 Stephens County tax assessor 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 Stephens County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of May.
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 Stephens County.
For example, the median tax bill in Stephens County is $1,274, with tax bills ranging significantly across the county. Martin has the highest median home price at $166,661.
Property Tax Assessment Values Across Stephens County, Georgia
Source: Ownwell
$113,129
$139,895
$166,661
Median Stephens County Market Value
$117,122
Median Georgia Market Value
$280,310
Median United States Market Value
$235,294
Property Tax Assessment Values Across Stephens County, Georgia
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Baldwin | $85,309 | $110,400 | $159,081 | $212,902 | $239,280 |
| Eastanollee | $32,877 | $70,146 | $116,409 | $186,276 | $258,394 |
| Martin | $28,818 | $71,364 | $166,661 | $308,143 | $432,403 |
| Mount Airy | $38,567 | $71,224 | $162,740 | $237,710 | $423,311 |
| Toccoa | $38,169 | $71,145 | $113,129 | $184,686 | $287,582 |
| Toccoa Falls | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Stephens County, Georgia
Property tax bills in Stephens County are based on the assessed value of a home, not its market price alone. Local taxing authorities apply the county’s tax rate to that assessed value to determine the amount owed, so two homes with similar market values can still receive different bills if their assessments differ. Factors such as location, property characteristics, and any exemptions can all affect the final tax bill.
With a median home price of $117,122, homeowners in Stephens County see a wide range of property tax outcomes. The 25th percentile tax bill is $634, while the 75th percentile is $2,221 and the 90th percentile is $3,592. The median tax bill is $1,927 in Martin and $1,176 in Eastanollee, showing how bills can vary across the county. Compared with the national median property tax rate of 1.02% and the national median property tax bill of $2,400, many homeowners here may pay less than the U.S. median, but higher assessments can still raise annual costs.
Median Stephens County Tax Bill
$1,274
Median Georgia Tax Bill
$2,476
Median United States Tax Bill
$2,400
Property Tax Bills Across Stephens County, Georgia
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Baldwin | $96 | $311 | $1,284 | $1,836 | $2,045 |
| Eastanollee | $239 | $588 | $1,176 | $1,956 | $2,882 |
| Martin | $270 | $791 | $1,927 | $3,607 | $5,017 |
| Mount Airy | $409 | $602 | $1,689 | $2,834 | $4,214 |
| Toccoa | $238 | $625 | $1,232 | $2,079 | $3,298 |
| Toccoa Falls | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | July 15 |
| Tax Bill | |
| Due Date #1 | November 15 |
| Due Date #2 | April 1 |
Links | |
|---|---|
| Stephens Tax Assessor | |
| Website | qpublic.schneidercorp.com |