Stephens County, GA property tax
Census ACS 2023 5-year estimates · updated 2026-09-20
The median effective property tax rate in Stephens County is 0.83%, above the Georgia median of 0.81% and below the national median of 0.98%. The median homeowner pays $1,396 a year on a home worth $168,200.
- Effective rate
- 0.83%
- Median annual bill
- $1,396
- Median home value
- $168,200
- Rank in Georgia
- 105of 159
Median annual bill divided by median home value, Census ACS 2023 5-year estimates.
Estimated annual bill by home value
| Home value | Estimated bill | Per month |
|---|---|---|
| $200,000 | $1,660 | $138 |
| $300,000 | $2,490 | $208 |
| $400,000 | $3,320 | $277 |
| $500,000 | $4,150 | $346 |
| $750,000 | $6,225 | $519 |
| $1,000,000 | $8,300 | $692 |
Stephens County millage rate by year, 2021 to 2025
In 2025, Stephens County levied 10.380 mills in unincorporated areas and the school district 13.500 mills, 23.880 mills combined (31.270 in 2021). On a $300,000 home, assessed at 40% or $120,000, that is $2,866 a year before exemptions. City taxes and special districts such as fire services, listed below, add to it where they apply.
| Year | County, unincorporated | School | Combined | On a $300,000 home |
|---|---|---|---|---|
| 2025 | 10.380 | 13.500 | 23.880 | $2,866 |
| 2024 | 10.380 | 14.760 | 25.140 | $3,017 |
| 2023 | 15.690 | 14.760 | 30.450 | $3,654 |
| 2022 | 14.050 | 15.720 | 29.770 | $3,572 |
| 2021 | 14.760 | 16.510 | 31.270 | $3,752 |
Millage rates for cities and districts in Stephens County
| District | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| County Incorporated | 12.620 | 12.780 | 15.690 | 14.050 | 14.760 |
| County Wide EMS | 2.050 | 2.350 | |||
| County Wide Fire Services | 0.740 | 0.780 | |||
| County Wide Solid Waste | 0.780 | 0.830 | |||
| Martin | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 |
| Toccoa | 5.200 | 6.000 | 5.200 | 5.600 | 5.980 |
Property tax rates by city in Stephens County
| Place | Effective rate | Median bill | Median home value | Population |
|---|---|---|---|---|
| Toccoa city | 0.71% | $1,102 | $155,200 | 9,173 |
Stephens County compared with Georgia and the US
| Area | Effective rate | Median bill | Median home value |
|---|---|---|---|
| Stephens County | 0.83% | $1,396 | $168,200 |
| Georgia median | 0.81% | $2,214 | $272,900 |
| United States median | 0.98% | $2,969 | n/a |
Stephens County compared with neighboring counties
Stephens County borders 4 counties. Ranked from lowest to highest median effective rate, it places 5 of 5, the highest in its area.
| County | Effective rate | Median bill | Median home value |
|---|---|---|---|
| Oconee County, SC | 0.39% | $856 | $217,200 |
| Banks County | 0.63% | $1,586 | $251,700 |
| Habersham County | 0.63% | $1,330 | $212,000 |
| Franklin County | 0.77% | $1,231 | $160,600 |
| Stephens County | 0.83% | $1,396 | $168,200 |
Georgia statewide: Standard $2,000 state homestead exemption from county and school taxes, deducted from the 40% assessed value. Counties and school districts add their own, often much larger, local exemptions.
Due dates and payment
Georgia statewide: varies by county; most bills due between October 15 and December 20. Confirm the local schedule with the Stephens County tax office.
Appealing your assessment
Appeal within 45 days of the date the annual assessment notice was mailed. Bring recent sales of comparable homes, photos of condition issues, and any error in the record such as square footage or lot size. How to appeal, step by step.
How Georgia assesses value
40% of fair market value, then county and school millage applied. Full Georgia rules, exemptions and deadlines.
Rates and medians: U.S. Census Bureau, ACS 2023 5-year estimates, tables B25103 and B25077. Effective rate is median taxes paid divided by median owner-occupied home value. Places: Census place by county reference file. Georgia millage: Georgia Department of Revenue, county digest millage rates, 2021 to 2025. Neighbors: Census county adjacency file. Rules: Georgia Department of Revenue, Property Tax Homestead Exemptions.
Frequently asked questions
What is the property tax rate in Stephens County, GA?
The median effective property tax rate in Stephens County is 0.83% of home value, above the Georgia median of 0.81% and below the national median of 0.98%. The median homeowner pays $1,396 a year on a median home value of $168,200 (Census ACS 2023 5-year).
How much is property tax on a $400,000 house in Stephens County?
About $3,320 per year at the county's median effective rate of 0.83%, before exemptions. The exact bill depends on the city, school district and special districts that serve the parcel, so treat this as a planning estimate.
When are property taxes due in Stephens County?
Georgia statewide: varies by county; most bills due between October 15 and December 20. Check the Stephens County tax office for the exact local dates.
How do I appeal a property tax assessment in Stephens County?
Appeal within 45 days of the date the annual assessment notice was mailed. Full Georgia rules are on the Georgia page.
What is the Stephens County millage rate?
For 2025, 10.380 mills for the county in unincorporated areas plus 13.500 mills for schools, 23.880 mills combined, from the Georgia Department of Revenue. One mill is $1 per $1,000 of assessed value, and assessed value is 40% of fair market value, so a $300,000 home owes about $2,866 before exemptions. Cities and special districts add their own mills.
How does Stephens County compare with the rest of Georgia?
Stephens County ranks 105 of 159 Georgia counties by effective rate. The Georgia median is 0.81% and the median bill is $2,214.