Average Tax Assessment in Union County
Real Estate Values and Property Tax Valuation in Union County, Georgia
Union County has 13,381 properties with a cumulative value of $3.6B, representing 0.44% of all real estate value in Georgia. Property taxes in Union County total $20.3M, with an average homeowner paying $1,523 in property taxes, which is lower than the state average of $2,360. The average property tax rate in Union County is 0.57%, while the state average is 1.00%. Properties are typically valued for tax purposes based on their 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 | |
|---|---|
| Union Register of Deeds | (704) 283-3797 |
| Union County Clerk | (908) 527-4787 |
| Union Assessor | (641) 782-1735 |
| Union Auditor | (937) 645-3003 |
| Important Dates | |
|---|---|
| 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 | |
|---|---|
| Senior | Available |
| Disabled | Available |
| Homestead | Available |
| Veteran | Available |
| Solar/Wind | Not Available |
| Charitable | Available |
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Real Estate Statistics in Union County
Residential Property Taxes by Cities in Union County
Union County property taxes are relatively low compared to the rest of the state. The average property tax rate in Union County is 0.57%, which is lower than the state average of 0.75%. This means that the average Union County property tax bill is $1,523, which is lower than the state average of $2,077.
Property tax rates vary across the cities in Union County. The city with the highest effective property tax rate is Morganton, at 0.58%, while the city with the lowest effective property tax rate is Suches, at 0.52%. This means that property owners in Morganton pay slightly more in taxes than those in Suches. However, the difference in rates is relatively small, and overall, Union County property taxes remain low compared to the rest of the state.
Tax Assessment Value
The following table shows the 10th, 25th, 50th, 75th, and 90th percentile of property assessment value in each city in Union 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 |
|---|---|---|---|---|---|
| Blairsville | $96,127 | $159,400 | $226,000 | $321,720 | $473,506 |
| Morganton | $96,294 | $177,310 | $235,380 | $308,090 | $404,264 |
| Suches | $66,740 | $105,630 | $188,200 | $276,000 | $422,172 |
| Young Harris | $75,720 | $134,482 | $221,550 | $293,375 | $395,905 |
Property Tax Bill
This table shows the percentiles of actual property tax paid on residential properties for each city in Union County.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Blairsville | $538 | $936 | $1,339 | $1,872 | $2,714 |
| Morganton | $514 | $984 | $1,403 | $1,773 | $2,379 |
| Suches | $389 | $609 | $1,062 | $1,515 | $2,133 |
| Young Harris | $381 | $746 | $1,249 | $1,704 | $2,301 |
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 |
|---|---|---|---|---|---|
| Blairsville | 0.56% | 0.59% | 0.59% | 0.58% | 0.57% |
| Morganton | 0.53% | 0.55% | 0.60% | 0.58% | 0.59% |
| Suches | 0.58% | 0.58% | 0.56% | 0.55% | 0.51% |
| Young Harris | 0.50% | 0.55% | 0.56% | 0.58% | 0.58% |
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Real Estate Values in Union County
The median home price in Union County, Georgia has seen a slight increase of 0.42% from October 2022 to October 2023, rising from $353.5K to $355.0K. This indicates that the housing market in Union County is stable and growing. Additionally, the home inventory in Union County has increased from 182 in October 2022 to 212 in October 2023, indicating that there is an increase in the availability of homes in the area. This could be a sign of a healthy housing market in Union County.
Average Home Value in Union County, Georgia
Last updated: November 2023
Percent Change in Total Home Sales in Union County
Last updated: November 2023
Percent Change in New Home Listings in Union County
Last updated: November 2023
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Mortgage Rates in Union County
Union County has a total of $605.2M in outstanding home mortgage loans, with 3.4K loans in total. This represents a significant portion of the total home value in the county, indicating that homeowners are taking advantage of the current low interest rates to purchase or refinance their homes. The median mortgage rate in Union County varies across cities, with the highest rate in Suches at 3.94% and the lowest rate in Morganton at 3.87%. This difference in rates is likely due to the varying economic conditions in each city, with some cities having higher home values and more competitive markets than others. Overall, Union County has a strong mortgage market, with homeowners taking advantage of the current low interest rates to purchase or refinance their homes.
Outstanding Mortgages
The table below shows the percentile distribution of outstanding loans on residential properties in Union County by city.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Blairsville | $61,333 | $98,019 | $149,449 | $227,540 | $315,268 |
| Morganton | $64,173 | $114,031 | $168,732 | $227,264 | $313,474 |
| Suches | $43,197 | $78,575 | $145,933 | $199,423 | $347,096 |
| Young Harris | $55,148 | $87,487 | $138,165 | $213,462 | $340,506 |
Mortgage Rates
The following table shows the 10th, 25th, 50th, 75th, and 90th percentile of mortgage rates in cities across Union County.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Blairsville | 2.90% | 3.40% | 3.92% | 4.50% | 5.69% |
| Morganton | 2.90% | 3.56% | 3.87% | 4.37% | 5.38% |
| Suches | 2.99% | 3.59% | 3.94% | 4.45% | 5.60% |
| Young Harris | 2.90% | 3.40% | 3.87% | 4.40% | 4.83% |
Housing Expenses in Union County, Georgia
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