Clay County Property Taxes
Clay County, Alabama
Effective Tax Rate
0.00%
36.2% below state avgMedian Annual Tax
$0
$27/mo escrow
Estimate Your Tax
Annual Tax
$0
Monthly
$0
Eff. Rate
0.23%
At a Glance
Median Home Value
$144,700
State avg ▼ $149,701
Tax w/ Mortgage/yr
$377
$31/mo escrow
Tax w/o Mortgage/yr
$285
$24/mo
State Tax Rate Rank
#5
of 67 counties (1 = lowest)
Data Story
About Property Taxes in Clay County, Alabama
Clay County taxes rank among lowest
Clay County's 0.225% effective rate places it in the bottom 4% nationally, with homeowners paying just $326 annually on the median home—less than one-eighth the U.S. median of $2,690. This positions Clay among the most tax-friendly counties in America.
Well below Alabama's state average
At 0.225%, Clay County sits well below Alabama's state average of 0.339%, ranking in the lowest tier among state counties. The county's median tax of $326 is 36% below Alabama's median of $511.
Lower rate than most regional peers
Clay County's 0.225% rate beats neighboring Chambers (0.382%), Cherokee (0.388%), and Chilton (0.336%), though remains higher than Choctaw's extraordinary 0.178%. Compared to Cleburne County at 0.289%, Clay residents enjoy the lower effective rate.
Just $326 on median home annually
On Clay County's median home value of $144,700, homeowners owe approximately $326 per year in property taxes. Including mortgage escrow, the annual bill reaches $377—remarkably affordable for county residents.
Verify assessments to lock savings in
Clay County homeowners should examine their property assessments for errors or overvaluation, which can occur even in low-tax counties. A free appeal process allows residents to challenge and potentially reduce their assessment.
Tax Rate Details
Understanding Millage Rates in Clay County
In Alabama, property taxes are expressed as a millage rate (also called a mill rate). One mill equals $1 of tax for every $1,000 of assessed property value. Your total property tax bill is determined by adding together the millage rates set by the county, city or municipality, school district, and any special districts.
In Alabama, residential property is assessed at 10% of appraised market value. This means a home appraised at $200,000 has an assessed value of $20,000, and the millage rate is applied to that assessed value — resulting in some of the lowest effective property tax bills in the nation.
Clay County has an effective property tax rate of 0.23%, resulting in a median annual tax bill of $326. Use the calculator above to estimate your property tax based on Clay County's current rate, or contact the Clay County tax assessor's office for the exact millage rate breakdown for your property.
How Clay County Compares
Median Annual Property Tax
Clay County
0.23%
Effective rate
Alabama Avg
0.34%
Effective rate
National Avg
0.91%
Effective rate
Frequently Asked Questions
What is the property tax rate in Clay County, Alabama?
What is the millage rate in Clay County, Alabama?
How much are property taxes in Clay County?
How does Clay County compare to the Alabama average?
What is the median home value in Clay County, Alabama?
Is Clay County a low property tax area in Alabama?
How does Clay County rank for property taxes in Alabama?
Counties with Similar Tax Rates
Nearby Counties
Other Counties in Alabama
Data updated: March 2026
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates. Effective tax rate is calculated as median property tax divided by median home value.