Property Taxes in North Garden, Virginia
Median North Garden, Virginia effective property tax rate: 0.85%, significantly lower than the national median of 1.02%, and lower than the Virginia state median of 0.90%.
Median North Garden, Virginia home value: $398,000
Median annual North Garden, Virginia tax bill: $3,286, $886 higher than the national median property tax bill of $2,400.
How are property taxes in Albemarle calculated?
Property taxes in North Garden, Virginia 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 North Garden's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in North Garden, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the North Garden Property Tax Calculator Work?
Use this North Garden property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies North Garden's median effective tax rate of 0.85% — based on actual property records in Albemarle County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessment process uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies North Garden'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 North Garden: rates range from 0.85% in 22959 to 0.85% in 22959, 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 North Garden.
About North Garden Property Taxes
About Property Taxes in North Garden, Albemarle, Virginia
North Garden's median effective property tax rate of 0.85% is lower than the Virginia state median of 0.90% and lower than the national median of 1.02%. This rate reflects the Albemarle 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 North Garden. Homeowners in the 22959 ZIP code carry a median effective rate of 0.85%, while those in the same ZIP code pay 0.85%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Albemarle County. Understanding which part of North Garden you live in can make a meaningful difference to your annual tax bill.
North Garden homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the June 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 North Garden, Albemarle County, Virginia
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 North Garden's effective property tax rate to other cities in Virginia and the median property tax rates in Virginia 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 North Garden Tax Rate
0.85%
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 Albemarle County Tax Rate
0.85%
Median Effective Virginia Tax Rate
0.90%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across North Garden, Albemarle County, Virginia
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 22959 | 0.67% | 0.85% | 0.85% | 0.85% | 0.85% |
Source: Ownwell
Property Tax Assessment Values Across North Garden, Albemarle County, Virginia
When examining property taxes in North Garden, Virginia, 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 Albemarle 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:
In Albemarle County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of January.
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 North Garden is $398,000, with a median tax bill of $3,286. North Garden’s tax bills range from $1,989 at the 25th percentile to $7,647 at the 90th percentile, compared with the national median property tax rate of 1.02% and national median property tax bill of $2,400.
Property Tax Assessment Values Across North Garden, Albemarle County, Virginia
Source: Ownwell
$207,500
$483,000
$758,500
Median North Garden Market Value
$398,000
Median Albemarle County Market Value
$451,350
Median Virginia Market Value
$323,500
Median United States Market Value
$274,101
Property Tax Assessment Values Across North Garden, Albemarle County, Virginia
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 22959 | $144,200 | $234,700 | $398,000 | $696,400 | $1,356,000 |
Source: Ownwell
Property Tax Bills Across North Garden, Albemarle County, Virginia
Property tax bills in North Garden are based on the assessed value of a home and the local tax rate set by Albemarle County. When a property’s market value rises, the assessed value can increase as well, which may lead to a higher tax bill. Homeowners are taxed on the value of their property, not on what they paid for it, so two similar homes can have different bills if their assessments differ.
The median home price in North Garden is $398,000, and the median property tax bill is $3,286, which is higher than the national median property tax bill of $2,400. Bills vary widely across the area, with the 25th percentile at $1,989 and the 75th percentile at $4,835. For some homeowners, that difference can have a meaningful impact on monthly housing costs and long-term affordability.
Median North Garden Tax Bill
$3,286
Median Albemarle County Tax Bill
$3,925
Median Virginia Tax Bill
$2,852
Median United States Tax Bill
$3,209
Property Tax Bills Across North Garden, Albemarle County, Virginia
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 22959 | $1,331 | $1,989 | $3,286 | $4,835 | $7,647 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | March 2 |
Links | |
|---|---|
| Albemarle Tax Assessor | |
| Website | experience.arcgis.com |