35070 Property Tax Rate

Property owners in ZIP code 35070 (Garden City, Alabama) pay a median of $283/year in property taxes on homes valued at $152,800. This translates to an effective tax rate of 0.19%, which is 50% below the Alabama state average of 0.37%.

The monthly property tax burden for a median-valued home in 35070 is approximately $24, which factors into escrow payments on mortgages. This ZIP code is located within Cullman County. This is $322 less than the Alabama average of $605/year.

Compared to similar ZIP codes in Alabama, 35070 has lower property taxes. ZIP codes with similar effective rates include 35446 (0.19%) and 35461 (0.19%).

In Garden City, property taxes represent approximately 0.4% of the median household income of $65,500, providing context for the relative tax burden on homeowners in this area.

Alabama's property tax is based on periodic countywide reassessment cycles rather than sale-triggered revaluation, so your home will be taxed at the prior owner's assessed value until the next scheduled reassessment. Cullman County offers homestead exemptions and exemptions for seniors 65+ and disabled homeowners—submit your exemption claim to the Cullman County Assessor's office immediately after closing. Request a written confirmation of your exemption and your current assessed value to ensure accuracy.