Average Tax Assessment in Habersham County
Real Estate Values and Property Tax Valuation in Habersham County, Georgia
Habersham County has a total of 16,872 properties with a cumulative value of $2.9B. This represents 0.36% of all real estate value in Georgia. Property taxes in Habersham County totaled $25.0M, with an average homeowner paying $1,482 in property taxes, which is lower than the state average of $2,360. The average property tax rate in Habersham County is 0.87%, which is lower than the state average of 1.00%. Properties are typically valued for tax purposes based on their fair market value.
The property tax timeline in Georgia begins on January 1st, when the property values are assessed. Property value notices are then issued between April and July, and property owners have 30 to 45 days after the notices are mailed to file an appeal. Finally, property tax bills are issued on September 1st.
Updated November 01, 2023
Important Links | |
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Habersham Clerk of Court | (706) 754-2923 |
Important Dates | |
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Property Valuation Date: | January 1st |
Property Value Notices Issued: | April - July |
Property Tax Appeal Deadline: | 30 to 45 days after notices mailed |
Property Tax Bills Issued: | September 1st |
Real Property Tax Bill Due (1st of #): | May - December, Varies by jurisdiction, Fulton County - October 15th |
Available Exemptions | |
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Senior | Available |
Disabled | Available |
Homestead | Available |
Veteran | Available |
Solar/Wind | Not Available |
Charitable | Available |
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Real Estate Statistics in Habersham County
Residential Property Taxes by Cities in Habersham County
Habersham County has an average property tax rate of 0.87%, which is slightly lower than the state average of 0.89%. This rate is applied to the assessed value of a property to calculate the total property tax bill. The average Habersham County property tax bill is estimated to be around $1,482.
Property tax rates in Habersham County vary across the cities. Baldwin has the highest effective property tax rate at 0.98%, while Clarkesville has the lowest effective property tax rate at 0.84%. This means that property owners in Baldwin will pay more in property taxes than those in Clarkesville. However, the difference in rates is relatively small, so the overall impact on property owners is minimal.
Tax Assessment Value
The following table shows the 10th, 25th, 50th, 75th, and 90th percentile of property assessment value in each city in Habersham County. The tax assessment value may differ from the potential sale value, and is used to calculate the property tax for each piece of real estate.
City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
---|---|---|---|---|---|
Alto | $10,154 | $38,075 | $94,970 | $174,398 | $222,319 |
Baldwin | $5,528 | $35,710 | $86,550 | $115,320 | $147,270 |
Clarkesville | $29,520 | $93,152 | $172,440 | $274,932 | $421,385 |
Cornelia | $7,628 | $52,790 | $121,750 | $191,160 | $290,174 |
Demorest | $19,028 | $74,882 | $147,850 | $217,018 | $307,650 |
Mount Airy | $18,126 | $76,660 | $146,615 | $194,372 | $263,450 |
Property Tax Bill
This table shows the percentiles of actual property tax paid on residential properties for each city in Habersham County.
City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
---|---|---|---|---|---|
Alto | $78 | $291 | $886 | $1,785 | $2,267 |
Baldwin | $64 | $322 | $697 | $1,180 | $1,581 |
Clarkesville | $171 | $639 | $1,414 | $2,405 | $3,796 |
Cornelia | $77 | $375 | $1,037 | $1,846 | $2,809 |
Demorest | $123 | $531 | $1,223 | $2,074 | $2,914 |
Mount Airy | $110 | $510 | $1,236 | $1,944 | $2,563 |
Effective Property Tax Rate
The effective property tax rate is calculated by dividing the property tax bill by the assessed value. For the percentiles below, the calculation is performed using the percentiles for property tax bill and assessed value above. Therefore, each consecutive percentile doesn't necessarily show a larger value.
City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
---|---|---|---|---|---|
Alto | 0.77% | 0.76% | 0.93% | 1.02% | 1.02% |
Baldwin | 1.16% | 0.90% | 0.81% | 1.02% | 1.07% |
Clarkesville | 0.58% | 0.69% | 0.82% | 0.87% | 0.90% |
Cornelia | 1.01% | 0.71% | 0.85% | 0.97% | 0.97% |
Demorest | 0.65% | 0.71% | 0.83% | 0.96% | 0.95% |
Mount Airy | 0.61% | 0.67% | 0.84% | 1.00% | 0.97% |
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Real Estate Values in Habersham County
The median home price in Habersham County, Georgia decreased by 2.33% from October 2022 to October 2023, from $350.0K to $315.0K. This decrease in home prices is accompanied by a decrease in home inventory, from 165 in October 2022 to 161 in October 2023. This suggests that the housing market in Habersham County is cooling off, with fewer homes available and lower prices.
Average Home Value in Habersham County, Georgia
Last updated: November 2023
Percent Change in Total Home Sales in Habersham County
Last updated: November 2023
Percent Change in New Home Listings in Habersham County
Last updated: November 2023
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Mortgage Rates in Habersham County
Habersham County has an outstanding loan amount of $635.9 million across home mortgages. This represents a total of 4.2 thousand outstanding loans in the county. The median mortgage rate in Habersham County varies across cities, with Baldwin having the highest median mortgage rate of 4.08%, and Alto having the lowest median mortgage rate of 3.92%. This variation in rates across cities can be attributed to the different economic conditions in each city.
The total outstanding loan amount in Habersham County is equivalent to approximately 8.5% of the total home value in the county. This indicates that the majority of home mortgages in Habersham County are being paid off in a timely manner. The variation in rates across cities also suggests that the local economy is healthy and that there is competition among lenders to offer the best rates. This is beneficial for homeowners in Habersham County, as it allows them to get the best deal on their mortgage.
Outstanding Mortgages
The table below shows the percentile distribution of outstanding loans on residential properties in Habersham County by city.
City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
---|---|---|---|---|---|
Alto | $54,380 | $86,935 | $130,529 | $177,260 | $225,447 |
Baldwin | $47,954 | $56,695 | $86,586 | $140,319 | $166,102 |
Clarkesville | $63,312 | $95,253 | $144,813 | $219,623 | $314,012 |
Cornelia | $55,300 | $82,302 | $132,713 | $188,891 | $253,438 |
Demorest | $61,592 | $91,866 | $136,137 | $192,960 | $250,210 |
Mount Airy | $61,263 | $83,110 | $121,454 | $176,470 | $234,272 |
Mortgage Rates
The following table shows the 10th, 25th, 50th, 75th, and 90th percentile of mortgage rates in cities across Habersham County.
City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
---|---|---|---|---|---|
Alto | 2.89% | 3.11% | 3.92% | 4.62% | 5.74% |
Baldwin | 2.90% | 3.59% | 4.08% | 5.82% | 6.23% |
Clarkesville | 2.90% | 3.45% | 3.94% | 4.60% | 6.08% |
Cornelia | 2.90% | 3.35% | 3.92% | 4.57% | 5.80% |
Demorest | 2.90% | 3.47% | 3.99% | 4.56% | 5.61% |
Mount Airy | 2.90% | 3.48% | 4.02% | 4.91% | 6.11% |
Housing Expenses in Habersham County, Georgia
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