Property Taxes in Charlottesville, Virginia
Median Charlottesville, Virginia effective property tax rate: 0.99%, significantly lower than the national median of 1.02%, and higher than the Virginia state median of 0.90%.
Median Charlottesville, Virginia home value: $426,600
Median annual Charlottesville, Virginia tax bill: $4,259, $1,859 higher than the national median property tax bill of $2,400.
How are property taxes in Charlottesville calculated?
Property taxes in Charlottesville, 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 Charlottesville's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Charlottesville, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Charlottesville Property Tax Calculator Work?
Use this Charlottesville property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Charlottesville's median effective tax rate of 0.99% — based on actual property records in Charlottesville County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessment 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 Charlottesville'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 Charlottesville: rates range from $4,086 in 22902 to $4,813 in 22901, 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 Charlottesville.
About Charlottesville Property Taxes
About Property Taxes in Charlottesville, Charlottesville, Virginia
Charlottesville’s median effective property tax rate of 0.99% is lower than the Virginia state median of 0.90% and higher than the national median of 1.02%. This rate reflects the Charlottesville 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 Charlottesville. Homeowners in the 22901 ZIP code carry a median effective rate of 1.00%, while those in 22902 pay 0.99%. This spread — 0.01 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Charlottesville County. Understanding which part of Charlottesville you live in can make a meaningful difference to your annual tax bill.
Charlottesville homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the March 4, 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 Charlottesville, Charlottesville 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 Charlottesville's effective property tax rate to other cities in Virginia and the median property tax rates in Virginia and the U.S.
Property Tax Rates Across Charlottesville, Charlottesville County, Virginia
Source: Ownwell
0.99%
1.00%
1.00%
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 Charlottesville Tax Rate
0.99%
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 Charlottesville County Tax Rate
0.99%
Median Effective Virginia Tax Rate
0.90%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Charlottesville, Charlottesville County, Virginia
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 22901 | 0.99% | 0.99% | 1.00% | 1.00% | 1.01% |
| 22902 | 0.99% | 0.99% | 0.99% | 1.00% | 1.00% |
| 22903 | 0.99% | 0.99% | 0.99% | 1.00% | 1.00% |
Source: Ownwell
Property Tax Assessment Values Across Charlottesville, Charlottesville County, Virginia
When examining property taxes in Charlottesville, 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 Charlottesville 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 Charlottesville 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. For example, the median home price in Charlottesville is $426,600, with tax bills ranging significantly across the county. 22901 has the highest median home price at $480,700.
Property Tax Assessment Values Across Charlottesville, Charlottesville County, Virginia
Source: Ownwell
$409,400
$445,050
$480,700
Median Charlottesville Market Value
$426,600
Median Charlottesville County Market Value
$426,600
Median Virginia Market Value
$323,500
Median United States Market Value
$274,101
Property Tax Assessment Values Across Charlottesville, Charlottesville County, Virginia
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 22901 | $363,700 | $400,300 | $480,700 | $603,900 | $772,100 |
| 22902 | $257,900 | $317,575 | $409,400 | $572,800 | $779,900 |
| 22903 | $227,870 | $309,850 | $415,500 | $564,250 | $865,800 |
Source: Ownwell
Property Tax Bills Across Charlottesville, Charlottesville County, Virginia
Property tax bills in Charlottesville are calculated by applying the local tax rate to a home’s assessed value, which is based on the market value of the property. That means the bill depends on both what the home is worth and the rate set by local taxing authorities. For a home with a median price of $426,600, the resulting tax bill can vary widely depending on location and assessment details.
Homeowners in Charlottesville should expect property tax bills that reflect neighborhood differences, with the highest median bill reaching $4,813 in 22901 and the lowest median bill at $4,086 in 22902. Across the city, the 25th percentile tax bill is $3,300, while the 75th percentile is $5,741, and the 90th percentile reaches $8,052. Compared with the national median property tax bill of $2,400, Charlottesville homeowners often face a heavier annual burden, making accurate assessments especially important.
Property Tax Bills Across Charlottesville, Charlottesville County, Virginia
Source: Ownwell
$4,086
$4,450
$4,813
Median Charlottesville Tax Bill
$4,259
Median Charlottesville County Tax Bill
$4,259
Median Virginia Tax Bill
$2,852
Median United States Tax Bill
$3,209
Property Tax Bills Across Charlottesville, Charlottesville County, Virginia
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 22901 | $3,627 | $4,011 | $4,813 | $6,054 | $7,677 |
| 22902 | $2,552 | $3,150 | $4,086 | $5,699 | $7,707 |
| 22903 | $2,228 | $3,085 | $4,149 | $5,599 | $8,598 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | March 4 |
Links | |
|---|---|
| Charlottesville Tax Assessor | |
| Website | gisweb.charlottesville.org |