45631 Property Tax Rate
Gallipolis, Ohio · Part of Gallia County
Effective Tax Rate
0.97%
41.9% below state avgMedian Annual Tax
$1,339
$112/mo escrow
Estimate Your Tax
Annual Tax
$1,339
Monthly
$112
Eff. Rate
0.97%
Buyer decision brief
What ZIP 45631 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$112/mo
Based on median annual tax paid
State context
0.27 percentage points below the Ohio average
Ohio average: 1.24%
Data confidence
High confidenceThe Census margin of error is $136, about 10% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Gallia County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 45631 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$136 tax MOE, 10% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County context only
Gallia County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 45631
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $138,700, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.97%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Ohio and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $112 per month before insurance, HOA dues, or special assessments.
Assessor verification
Gallia County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 45631 Compares
Median Annual Property Tax
ZIP 45631
0.97%
Effective rate
Ohio Avg
1.24%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Ohio
Lower than 77% of ZIP codes in Ohio(23th percentile, 1,116 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 45631
Property owners in ZIP code 45631 (Gallipolis, Ohio) pay a median of $1,339/year in property taxes on homes valued at $138,700. This translates to an effective tax rate of 0.97%, which is 22% below the Ohio state average of 1.24%.
The monthly property tax burden for a median-valued home in 45631 is approximately $112, which factors into escrow payments on mortgages. This ZIP code is located within Gallia County. This is $965 less than the Ohio average of $2,304/year.
Compared to similar ZIP codes in Ohio, 45631 has lower property taxes. ZIP codes with similar effective rates include 43917 (0.97%) and 44842 (0.97%).
In Gallipolis, property taxes represent approximately 2.4% of the median household income of $54,772, providing context for the relative tax burden on homeowners in this area.
If you're considering purchasing a home in 45631, keep in mind that property taxes are based on the assessed value assigned by the local assessor, which may differ from the purchase price. In some states, properties are reassessed at or near the sale price upon transfer of ownership. For the most current tax information for a specific property, consult Gallia County's tax assessor directly.
Frequently Asked Questions
What is the property tax rate in ZIP code 45631?
How much are property taxes in Gallipolis, OH (45631)?
How does ZIP 45631 compare to the Ohio average?
What is the median home value in ZIP 45631?
What county is ZIP code 45631 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$136. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 45631 is part of Gallia County, Ohio. View the full county profile for broader context and more data.
View Gallia County on TaxByCounty →Why compare these ZIPs?
Better comparison set for ZIP 45631
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
45623
Crown City, OH
0.07 percentage points lower than ZIP 45631.
Rate
0.89%
Tax
$1,241
Quality
82
45674
Rio Grande, OH
0.07 percentage points lower than ZIP 45631.
Rate
0.90%
Tax
$1,646
Quality
77
45686
Vinton, OH
0.07 percentage points lower than ZIP 45631.
Rate
0.90%
Tax
$1,415
Quality
77
45243
Cincinnati, OH
$478,200 higher median home value than ZIP 45631.
Rate
1.50%
Tax
$9,278
Quality
94
45174
Terrace Park, OH
$442,300 higher median home value than ZIP 45631.
Rate
1.72%
Tax
$10,001
Quality
70
43021
Galena, OH
$386,100 higher median home value than ZIP 45631.
Rate
1.61%
Tax
$8,475
Quality
82
43212
Columbus, OH
$376,100 higher median home value than ZIP 45631.
Rate
1.65%
Tax
$8,482
Quality
94
43215
Columbus, OH
$369,600 higher median home value than ZIP 45631.
Rate
1.02%
Tax
$5,170
Quality
89
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.