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County tax profile · 2026 · Census ACS + IRS data

Property Tax & Income in Effingham County, Georgia

Effingham County has an effective property tax rate of 0.90%. On the median home value of $276,000, that's roughly $2,495 per year. Median household income is $88,438.

Effective Property Tax Rate1
0.90%
median tax $2,495 ÷ median home $276,000
Median Home Value1
$276,000
owner-occupied
Median Household Income1
$88,438
per-capita $38,913
Est. Annual Tax on Median Home1
$2,495
at 0.90% effective rate

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.

MetricEffingham CountyGeorgia (state context)
Effective property tax rate10.90%0.86%
Median home value1$276,000—
State income tax3top rate 5.19%top rate 5.19%
State sales tax37.56% combined7.56% 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 Effingham County, GA

Effingham County’s effective property tax rate of 0.904% sits above both Georgia’s statewide median of 0.859% and the national median of 0.794%, placing it 60th among the state’s 158 counties. That ranking puts the county in the upper half of Georgia jurisdictions, so homeowners here pay somewhat more relative to property value than the average Georgian or American. On a median home value of $276,000, the annual real-estate tax bill comes to $2,495. With median household income at $88,438 and per-capita income at $38,913, those earnings help absorb the cost, though the higher-than-average rate still shapes what buyers in communities like Guyton can expect to owe each year. The gap over state and national figures is not dramatic, but it does signal that property taxes take a slightly larger share of local housing costs than in many other places.

Frequently asked questions

What is the property tax rate in Effingham County, GA?
The effective rate is 0.90% — meaning the median tax bill equals about 0.90% of the median home value.
How much are property taxes on a median home?
On the median home ($276,000), the estimated annual bill is about $2,495.
Is Effingham County's rate high or low?
Compare it to the state median of 0.86% and the national average near 1.1%.
How does the effective rate differ from my mill rate?
A mill rate is the nominal levy per $1,000 of assessed value. The effective rate reflects what you actually pay after exemptions and assessments — it's the median tax bill as a share of median home value, so it better predicts your real cost.
Will a reassessment raise my tax bill?
Not necessarily. If your home's assessed value rises, your bill can go up, but only if the mill rate and exemptions stay flat. Contact the Effingham County assessor's office to review your current assessment.
Can I appeal my property tax assessment?
Yes. Most counties allow an appeal when you believe the assessed value exceeds the market value. File with the Effingham County assessor within the local deadline, typically with comparable sales as evidence.
Sources
[1] U.S. Census Bureau — ACS 5-Year (2023) — Median home value (B25077), median real-estate taxes (B25103), median household income (B19013), per-capita income (B19301).
[2] IRS — Statistics of Income — County income, AGI, and real-estate taxes paid.
[3] Tax Foundation — State income, sales, corporate, and estate/inheritance tax rates.