Summerville, GA Property Tax: Rates & How to Save (2026)
Summerville, GA property taxes: $773/year median. See rates, how to appeal in Chattooga County, and check your savings.
Key Takeaways
Median home value: $99,000 in Summerville.Median annual tax bill: $773.Tax rate: Chattooga County's combined rate is 2.014%.Appeals filed with: Chattooga County Board of Assessors (not the city).Appeal deadline: 45 days from your assessment notice date.
Summerville is the Chattooga County seat in northwest Georgia, where the median home value of about $99,000 comes in roughly 14% below the county figure. This guide explains how to check whether your assessment reflects local sales and what to do if it overshoots.
Property Tax Rates in Summerville
Summerville property taxes are assessed and collected by Chattooga County. Georgia assesses all property at 40% of fair market value.
Here is how the tax math works for the median Summerville home:
Fair Market Value (county assessment): $99,000
Assessed Value ($99,000 x 0.40): $39,600
Tax Rate (Chattooga County combined rate): 2.014%
Annual Tax Bill ($39,600 x 2.014%): $797
The Census Bureau reports a median annual tax bill of $773 for Summerville, which reflects all levies including county, school, and city taxes.
How Summerville Compares
Summerville: $99,000
Chattooga County: $115,600
Georgia (statewide): $170,200
Homes in Summerville are valued 14% below the Chattooga County median. The median annual tax bill in Summerville ($773) is 46% below Georgia's statewide median of $1,439. Home values in Chattooga County range from about $58,630 (25th percentile) to $218,740 (75th percentile), so your appeal savings depend heavily on where your home falls in that range.
How to Appeal Your Summerville Property Tax
Property tax appeals in Summerville are handled by the Chattooga 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 2.014%. Your actual rate may vary by tax district.
A 10% reduction on the median Summerville home ($99,000 down by $9,900) would save approximately $80 per year - or $240 over three years with the 299c freeze.
The median annual property tax bill in Summerville is $773, based on Census ACS 2024 data. Using Chattooga County's millage rate of 2.014%, the computed tax on the median home ($99,000) is approximately $797.
Who do I contact to appeal my Summerville property tax?
Appeals are filed with the Chattooga County Board of Assessors, not at the city level. File a PT-311A form within 45 days of your assessment notice.
How is my Summerville property tax bill calculated?
Georgia taxes property at 40% of fair market value. For Summerville's median home ($99,000), the assessed value is $39,600. Multiply by Chattooga County's millage rate of 2.014% to get your annual bill. Many Summerville 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 Summerville?
Yes. Even a $80 per year overcharge (from a $10,000 overvaluation at Chattooga County's 2.014% rate) adds up to $240 over three years with the 299c freeze. The appeal is free to file and there is no risk of your assessment increasing.
Are property taxes lower in Summerville than the Georgia average?
Summerville's median annual tax bill of $773 is 46% below the statewide median of $1,439. Lower taxes do not mean your assessment is correct -- the county can still overvalue your specific property. If comparable homes in your area have sold for less than your assessed value, you have grounds to appeal.
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.