Property Tax & Income in Clay County, Georgia
Clay County has an effective property tax rate of 0.99%. On the median home value of $94,400, that's roughly $937 per year. Median household income is $49,147.
What you'll pay, at a glance
Property taxes are the largest local tax most homeowners pay. The effective rate measures the real tax bill as a share of home value — a more useful number than the nominal “mill rate,” because assessment practices vary county to county.
| Metric | Clay County | Georgia (state context) |
|---|---|---|
| Effective property tax rate1 | 0.99% | 0.86% |
| Median home value1 | $94,400 | — |
| State income tax3 | top rate 5.19% | top rate 5.19% |
| State sales tax3 | 7.56% combined | 7.56% combined |
How this is calculated
The effective property tax rate is the median real-estate tax bill divided by the median home value — both for owner-occupied homes, from the U.S. Census Bureau's American Community Survey (ACS 5-year estimates)1. Median income is also from the ACS1. Federal and state income-tax figures use IRS2 and Tax Foundation3 data.
About Clay County, GA
Buying in Clay County, Georgia keeps upfront costs low, with a median home value of $94,400. Property taxes run at an effective rate of 0.993%, above Georgia's 0.859% statewide median and higher than the 0.794% national figure. That rate produces a median annual real-estate tax bill of just $937, a direct result of the affordable housing stock rather than a bargain rate. Households here earn a median of $49,147, and per-capita income is $32,259. The county ranks 37th of 158 Georgia counties for property tax rate, so it sits toward the middle-to-upper range within the state. Fort Gaines, the largest of the county's communities alongside Bluffton and Coleman, anchors the area. For a buyer weighing price against ongoing tax costs, the low entry price is the dominant factor, even though the rate itself exceeds both benchmarks.