Montgomery, GA Property Tax: Rates & How to Save (2026)
Montgomery, GA property taxes: $3,243/year median. See rates, how to appeal in Chatham County, and check your savings.
Key Takeaways
Median home value: $387,700 in Montgomery.Median annual tax bill: $3,243.Tax rate: Chatham County's combined rate is 3.371%.Appeals filed with: Chatham County Board of Assessors (not the city).Appeal deadline: 45 days from your assessment notice date.
Montgomery is a Chatham County community where the median home value tops $387,000, well above the Savannah-area county average. Higher-value homes face bigger tax bills, and the stakes of an over-assessment climb right along with them.
Property Tax Rates in Montgomery
Montgomery property taxes are assessed and collected by Chatham County. Georgia assesses all property at 40% of fair market value.
Here is how the tax math works for the median Montgomery home:
Fair Market Value (county assessment): $387,700
Assessed Value ($387,700 x 0.40): $155,080
Tax Rate (Chatham County combined rate): 3.371%
Annual Tax Bill ($155,080 x 3.371%): $5,227
The Census Bureau reports a median annual tax bill of $3,243 for Montgomery, which reflects all levies including county, school, and city taxes.
How Montgomery Compares
Montgomery: $387,700
Chatham County: $302,700
Georgia (statewide): $170,200
Homes in Montgomery are valued 28% above the Chatham County median. Higher home values mean a larger tax bill - and a bigger potential payoff from a successful appeal. The median annual tax bill in Montgomery ($3,243) is 125% above Georgia's statewide median of $1,439. Home values in Chatham County range from about $195,435 (25th percentile) to $472,409 (75th percentile), so your appeal savings depend heavily on where your home falls in that range.
How to Appeal Your Montgomery Property Tax
Property tax appeals in Montgomery are handled by the Chatham 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 3.371%. Your actual rate may vary by tax district.
A 10% reduction on the median Montgomery home ($387,700 down by $38,770) would save approximately $523 per year - or $1,569 over three years with the 299c freeze.
The median annual property tax bill in Montgomery is $3,243, based on Census ACS 2024 data. Using Chatham County's millage rate of 3.371%, the computed tax on the median home ($387,700) is approximately $5,227.
Who do I contact to appeal my Montgomery property tax?
Appeals are filed with the Chatham County Board of Assessors, not at the city level. File a PT-311A form within 45 days of your assessment notice.
Why are Montgomery home values higher than the Chatham County average?
Montgomery's premium reflects demand driven by school quality, proximity to employment centers, and neighborhood amenities. Higher values mean a larger potential overassessment -- a 10% overvaluation costs approximately $522 per year in excess taxes.
How is my Montgomery property tax bill calculated?
Georgia taxes property at 40% of fair market value. For Montgomery's median home ($387,700), the assessed value is $155,080. Multiply by Chatham County's millage rate of 3.371% to get your annual bill. Many Montgomery 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 Montgomery?
Yes. Even a $134 per year overcharge (from a $10,000 overvaluation at Chatham County's 3.371% rate) adds up to $402 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 Montgomery property tax bill so high?
The median tax bill in Montgomery is $3,243 -- 125% above Georgia's statewide median of $1,439. This reflects both higher home values and Chatham 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.