Property Taxes in Callao, Virginia
Median Callao, Virginia effective property tax rate: 0.66%, significantly lower than the national median of 1.02%, and lower than the Virginia state median of 0.90%.
Median Callao, Virginia home value: $125,500
Median annual Callao, Virginia tax bill: $814, lower than the national median property tax bill of $2,400.
How are property taxes in Northumberland calculated?
Property taxes in Callao, 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 Callao's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Callao, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Callao Property Tax Calculator Work?
Use this Callao property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Callao's median effective tax rate of 0.66% — based on actual property records in Northumberland 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 Callao'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 Callao: rates range from 0.66% in 22435 to 0.66% in 22435, 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 Callao.
About Callao Property Taxes
About Property Taxes in Callao, Northumberland, Virginia
Callao's median effective property tax rate of 0.66% is lower than the Virginia state median of 0.90% and lower than the national median of 1.02%. This rate reflects the Northumberland 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 Callao. Homeowners in the 22435 ZIP code carry a median effective rate of 0.66%, while those in the same ZIP code pay 0.66%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Northumberland County. Understanding which part of Callao you live in can make a meaningful difference to your annual tax bill.
Callao 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 Callao, Northumberland 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 Callao'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 Callao Tax Rate
0.66%
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 Northumberland County Tax Rate
0.66%
Median Effective Virginia Tax Rate
0.90%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Callao, Northumberland County, Virginia
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 22435 | 0.66% | 0.66% | 0.66% | 0.66% | 0.66% |
Source: Ownwell
Property Tax Assessment Values Across Callao, Northumberland County, Virginia
When examining property taxes in Callao, 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. Northumberland 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 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 November each year and typically reach your mailbox by the middle of the month. 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 Callao is $125,500, with tax bills ranging significantly across the county. ZIP code 22435 has the highest median home price at $125,500.
Property Tax Assessment Values Across Callao, Northumberland County, Virginia
Source: Ownwell
$73,600
$201,950
$330,300
Median Callao Market Value
$125,500
Median Northumberland County Market Value
$189,200
Median Virginia Market Value
$323,500
Median United States Market Value
$274,101
Property Tax Assessment Values Across Callao, Northumberland County, Virginia
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 22435 | $37,670 | $79,925 | $125,500 | $210,300 | $387,670 |
Source: Ownwell
Property Tax Bills Across Callao, Northumberland County, Virginia
Callao property tax bills are based on the assessed value of a home and the local tax rate set by the county and other taxing authorities. When a property’s market value changes, the assessed value can change too, which affects the final bill. For a home with a median price of $125,500, the tax bill can vary widely depending on the property’s assessment and the local rate applied.
Homeowners in Callao typically see property tax bills that reflect both the value of their home and the services funded by those taxes. The 25th percentile tax bill is $507, while the 75th percentile is $1,379 and the 90th percentile reaches $2,538. The median tax bill in the area is $814, which is well below the national median property tax bill of $2,400 and also below the national median property tax rate of 1.02%. Because the bill is tied to assessed value, homeowners with higher-valued properties or higher assessments may pay more.
Median Callao Tax Bill
$814
Median Northumberland County Tax Bill
$1,227
Median Virginia Tax Bill
$2,852
Median United States Tax Bill
$3,209
Property Tax Bills Across Callao, Northumberland County, Virginia
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 22435 | $220 | $507 | $814 | $1,379 | $2,538 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | May 5 |
Links | |
|---|---|
| Northumberland Tax Assessor | |
| Website | northumberland.cama.concisesystems.com |