2026 effective rate · 0.39% · well below the US average (0.99%)
Alabama Property Tax Calculator
Estimate annual and monthly property tax in Alabama. The state's effective property tax rate is 0.39% (one of the lowest in the US, vs the US average of about 0.99%). On a $172,800 median-value home, that works out to about $658 per year or $56 per month.
Alabama median home property tax
$674 per year
$56 per month at the median home value of $172,800
Effective rate 0.39% times $172,800 = $674
Alabama property tax at common home values
| Home value | Annual property tax | Monthly | % of value |
|---|---|---|---|
| $150,000 | $585 | $49 | 0.39% |
| $172,800 (median) | $674 | $56 | 0.39% |
| $250,000 | $975 | $81 | 0.39% |
| $350,000 | $1,365 | $114 | 0.39% |
| $500,000 | $1,950 | $163 | 0.39% |
| $750,000 | $2,925 | $244 | 0.39% |
Uses Alabama's 2026 effective rate (0.39%). Actual taxes vary by county and exemptions. For full PITI mortgage estimate including taxes + insurance, use the Alabama mortgage calculator.
Alabama property tax overview
Alabama has the lowest effective property tax rate in the US (0.39%). Homestead exemption available for primary residences. No state transfer tax on real estate.
Alabama's effective rate of 0.39% ranks one of the lowest in the US nationally. Median annual property tax: $658. Median home value: $172,800.
Alabama vs neighboring states
FAQs about Alabama property tax
What is the property tax rate in Alabama?
Alabama's effective property tax rate is 0.39% (one of the lowest in the US, vs national average of ~0.99%). On a $172,800 median-value home, that's about $658 per year, or roughly $56 per month added to your housing cost.
How is property tax calculated in Alabama?
Property tax = assessed value times the local mill rate (millage). The effective rate (0.39%) is what you actually pay as a percentage of market value, accounting for assessment ratios, exemptions, and millage. For a home valued at X, multiply X by 0.39% for an annual estimate.
When are property taxes due in Alabama?
Property tax due dates vary by county within Alabama. Most counties bill annually with either a single payment or two installments. Common payment deadlines fall in late summer (1st half) and late winter (2nd half). Check with your county tax assessor for exact dates and any escrow arrangements through your mortgage lender.
Does Alabama have a homestead exemption?
Alabama has the lowest effective property tax rate in the US (0.39%). Homestead exemption available for primary residences. No state transfer tax on real estate.
How does Alabama property tax compare to neighboring states?
Alabama's 0.39% rate compares to: Tennessee (0.56%), Georgia (0.83%), Florida (0.82%). Property tax burden can vary significantly between neighboring states — moving 30 miles across a state line can change your annual tax bill by thousands.
Can I appeal my property tax assessment in Alabama?
Yes. Every US state including Alabama provides a formal property tax appeal process. Steps: (1) request your property's assessment record from the county assessor, (2) gather comparable sales from your neighborhood, (3) file a formal appeal within the deadline (usually 30-60 days after assessment notice). Successful appeals typically save 5-15% on annual tax bills.
How can I lower my Alabama property taxes?
Common strategies: apply for homestead exemption (primary residence), senior or disabled exemptions if eligible, veteran's exemptions, and appeal over-assessment. Track your county's assessment notices carefully and verify the appraisal matches recent comparable home sales. Avoid major visible upgrades right before reassessment dates.