Montgomery, GA: Is Your Property Tax Assessment Too High? (2026)
The median Montgomery homeowner pays $3,243/year in property taxes. That is 3.57% of median household income. See how Montgomery compares and check your savings potential.
Key Takeaways
Appeal deadline: 45 days from your assessment notice date - strictly enforced.Median home value: $387,700 in Montgomery.Median annual tax bill: $3,243.Tax burden: 3.57% of median household income in Montgomery.Potential savings: ~$522/year from a 10% reduction, or $1,566 over 3 years with the 299c freeze.Filed with: Chatham County Board of Assessors (not the city).No risk: Georgia law guarantees your assessment cannot increase from filing an appeal.
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.
Montgomery Appeal Quick Facts
Appeal Deadline: 45 days from the date of the assessment notice
Median Home Value: $387,700 (28% above Chatham County median)
Estimated Annual Tax Bill: $3,243
Tax Burden: 3.57% of median household income
Is your Montgomery property tax assessment too high?
The median home in Montgomery is valued at $387,700, producing an estimated annual tax bill of $5,227 at Chatham County's 3.371% combined rate. That means the typical Montgomery homeowner spends 3.57% of household income on property taxes alone. Montgomery combines higher-than-average home values with a heavy tax burden. If your home is overassessed by even 10%, the cost adds up fast. Higher home values mean a larger tax bill and a bigger payoff from a successful appeal. At $387,700, Montgomery home values are 28% above the Chatham County median, 127% above Georgia's statewide median of $170,200, 21% above the national median of $318,000.
How does Montgomery compare to other Chatham County cities?
Wilmington Island leads Chatham County in home values, but your individual assessment could still be too high regardless of where Montgomery falls in the county ranking.
What evidence matters for Montgomery appeals?
In a mid-size city like Montgomery, you should be able to find 3-5 comparable sales within Chatham County. Look for homes that sold in the last 12 months with similar square footage, age, and condition. If local sales are limited, expand your search to neighboring areas within the county. For the full evidence strategy, exemption details, and step-by-step filing instructions, see our Chatham County Property Tax Guide.
How much can you save in Montgomery?
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 value freeze.
At 3.57% of household income, even a modest reduction in your assessed value makes a real difference in your annual budget.
File your appeal through Chatham County
Property tax appeals in Montgomery are filed with the Chatham County Board of Assessors. You have 45 days from the date of your assessment notice to submit a PT-311A form.
Chatham County Board of Assessors: P.O. Box 9786, Savannah, GA 31412 | 912-652-7271 For the full appeal process and deadline details, see our Chatham County Property Tax Guide.
Based on 2024 American Community Survey estimates and Chatham County millage rates.
Frequently Asked Questions
Is my Montgomery property tax too high?
The median annual property tax bill in Montgomery is $3,243. Using Chatham County's millage rate of 3.371%, the computed tax on the median home ($387,700) is approximately $5,227. If your assessed value is higher than what your home would actually sell for, you are overpaying.
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.
How much of my income goes to property taxes in Montgomery?
At the median, Montgomery homeowners pay 3.57% of their household income ($90,843/year) in property taxes. That is a significant burden -- a successful appeal directly increases your take-home.
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 do Montgomery property taxes compare to Wilmington Island?
Wilmington Island leads Chatham County with a median home value of $404,900, compared to Montgomery's $387,700. But a lower county ranking does not mean your individual home is correctly assessed -- overassessments happen at every price point.
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.
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.