31645 Property Tax Rate

Property owners in ZIP code 31645 (Ray City, Georgia) pay a median of $1,020/year in property taxes on homes valued at $121,900. This translates to an effective tax rate of 0.84%, which is 4% below the Georgia state average of 0.87%.

The monthly property tax burden for a median-valued home in 31645 is approximately $85, which factors into escrow payments on mortgages. This ZIP code is located within Berrien County. This is $824 less than the Georgia average of $1,844/year.

Compared to similar ZIP codes in Georgia, 31645 has lower property taxes. ZIP codes with similar effective rates include 31532 (0.84%) and 30011 (0.84%).

In Ray City, property taxes represent approximately 1.4% of the median household income of $71,429, providing context for the relative tax burden on homeowners in this area.

Georgia's Basic Homestead Exemption ($2,000 off assessed value) applies to primary homeowners in Berrien County, and you must file the exemption claim with the Berrien County Assessor within 30 days of closing to activate it. Berrien County has one of Georgia's higher effective tax rates at 1.33%, so while the homestead exemption helps, your overall tax burden will rise to market value at sale with no state cap on annual increases. File your exemption claim by April 1 to ensure the reduction applies to the current tax year.