Cairo, GA Property Tax: Rates & How to Save (2026)
Cairo, GA property taxes: $1,410/year median. See rates, how to appeal in Grady County, and check your savings.
Key Takeaways
Median home value: $108,800 in Cairo.Median annual tax bill: $1,410.Tax rate: Grady County's combined rate is 3.076%.Appeals filed with: Grady County Board of Assessors (not the city).Appeal deadline: 45 days from your assessment notice date.
Cairo is the Grady County seat, a city of about 10,000 people in south Georgia where home values come in well below the county median. If your assessment got pulled toward countywide numbers rather than what homes in Cairo are actually trading for, this guide can help.
Property Tax Rates in Cairo
Cairo property taxes are assessed and collected by Grady County. Georgia assesses all property at 40% of fair market value.
Here is how the tax math works for the median Cairo home:
Fair Market Value (county assessment): $108,800
Assessed Value ($108,800 x 0.40): $43,520
Tax Rate (Grady County combined rate): 3.076%
Annual Tax Bill ($43,520 x 3.076%): $1,338
The Census Bureau reports a median annual tax bill of $1,410 for Cairo, which reflects all levies including county, school, and city taxes.
How Cairo Compares
Cairo: $108,800
Grady County: $152,400
Georgia (statewide): $170,200
Homes in Cairo are valued 29% below the Grady County median. Lower values do not mean your assessment is automatically correct - overassessments happen at every price point. The median annual tax bill in Cairo ($1,410) is 2% below Georgia's statewide median of $1,439. Home values in Grady County range from about $74,917 (25th percentile) to $279,934 (75th percentile), so your appeal savings depend heavily on where your home falls in that range.
How to Appeal Your Cairo Property Tax
Property tax appeals in Cairo are handled by the Grady County Board of Assessors. You have 45 days from the date of the assessment notice to file using the PT-311A form.
Based on a combined tax rate of 3.076%. Your actual rate may vary by tax district.
A 10% reduction on the median Cairo home ($108,800 down by $10,880) would save approximately $134 per year - or $402 over three years with the 299c freeze.
Frequently Asked Questions
How much is property tax in Cairo, GA?
The median annual property tax bill in Cairo is $1,410, based on Census ACS 2024 data. Using Grady County's millage rate of 3.076%, the computed tax on the median home ($108,800) is approximately $1,338.
Who do I contact to appeal my Cairo property tax?
Appeals are filed with the Grady County Board of Assessors, not at the city level. File a PT-311A form within 45 days of your assessment notice.
Are Cairo homes undervalued compared to Grady County?
Cairo's lower median does not mean the county's assessment of your specific home is correct. Overassessments happen at every price point. Compare your assessed value per square foot to actual recent sales of similar homes nearby.
How is my Cairo property tax bill calculated?
Georgia taxes property at 40% of fair market value. For Cairo's median home ($108,800), the assessed value is $43,520. Multiply by Grady County's millage rate of 3.076% to get your annual bill. Many Cairo homeowners find that assessed values have climbed faster than actual sale prices. Comparing your value to 3-5 recent sales of similar homes is the quickest way to spot an overassessment.
Is it worth appealing a small overvaluation in Cairo?
Yes. Even a $123 per year overcharge (from a $10,000 overvaluation at Grady County's 3.076% rate) adds up to $369 over three years with the 299c freeze. The appeal is free to file and there is no risk of your assessment increasing.
Can I appeal if I just bought my Cairo home?
Yes. If you paid less than the county's assessed fair market value, your purchase price is strong evidence of overassessment. If you paid more, the county may eventually reassess upward -- but they cannot do so just because you appealed. Either way, you should compare your assessed value to what similar nearby homes actually sold for.
Can my property tax go up if I appeal?
No. Georgia law (O.C.G.A. § 48-5-311) protects you: the county cannot raise your assessed value above what they originally set just because you filed an appeal. The Board of Equalization only rules on the disputed value. Worst case, your appeal is denied and you keep your current assessment -- your taxes will not increase as a result of appealing.