Commerce, GA Property Tax: Rates & How to Save (2026)
Commerce, GA property taxes: $2,218/year median. See rates, how to appeal in Jackson County, and check your savings.
Key Takeaways
Median home value: $239,900 in Commerce.Median annual tax bill: $2,218.Tax rate: Jackson County's combined rate is 2.874%.Appeals filed with: Jackson County Board of Assessors (not the city).Appeal deadline: 45 days from your assessment notice date.
Commerce is a Jackson County city along I-85, where the median home value of about $240,000 comes in roughly 30% below the county's $345,000 figure. If your assessment is getting pulled toward that higher county number rather than reflecting Commerce's actual market, this guide walks you through the appeal process.
Property Tax Rates in Commerce
Commerce property taxes are assessed and collected by Jackson County. Georgia assesses all property at 40% of fair market value.
Here is how the tax math works for the median Commerce home:
Fair Market Value (county assessment): $239,900
Assessed Value ($239,900 x 0.40): $95,960
Tax Rate (Jackson County combined rate): 2.874%
Annual Tax Bill ($95,960 x 2.874%): $2,757
The Census Bureau reports a median annual tax bill of $2,218 for Commerce, which reflects all levies including county, school, and city taxes.
How Commerce Compares
Commerce: $239,900
Jackson County: $345,000
Georgia (statewide): $170,200
Homes in Commerce are valued 30% below the Jackson County median. Lower values do not mean your assessment is automatically correct - overassessments happen at every price point. The median annual tax bill in Commerce ($2,218) is 54% above Georgia's statewide median of $1,439. Home values in Jackson County range from about $240,007 (25th percentile) to $469,303 (75th percentile), so your appeal savings depend heavily on where your home falls in that range.
How to Appeal Your Commerce Property Tax
Property tax appeals in Commerce are handled by the Jackson 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 2.874%. Your actual rate may vary by tax district.
A 10% reduction on the median Commerce home ($239,900 down by $23,990) would save approximately $276 per year - or $828 over three years with the 299c freeze.
The median annual property tax bill in Commerce is $2,218, based on Census ACS 2024 data. Using Jackson County's millage rate of 2.874%, the computed tax on the median home ($239,900) is approximately $2,757.
Who do I contact to appeal my Commerce property tax?
Appeals are filed with the Jackson County Board of Assessors, not at the city level. File a PT-311A form within 45 days of your assessment notice.
Are Commerce homes undervalued compared to Jackson County?
Commerce'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 Commerce property tax bill calculated?
Georgia taxes property at 40% of fair market value. For Commerce's median home ($239,900), the assessed value is $95,960. Multiply by Jackson County's millage rate of 2.874% to get your annual bill. Many Commerce 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 Commerce?
Yes. Even a $114 per year overcharge (from a $10,000 overvaluation at Jackson County's 2.874% rate) adds up to $342 over three years with the 299c freeze. The appeal is free to file and there is no risk of your assessment increasing.
Why is my Commerce property tax bill so high?
The median tax bill in Commerce is $2,218 -- 54% above Georgia's statewide median of $1,439. This reflects both higher home values and Jackson County's combined millage rate. If your individual assessment is higher than what your home would actually sell for, you are paying even more than necessary.
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.