Key Takeaways
- Alabama property taxes become due on October 1 and must be paid by December 31 to avoid penalties.
- Late payments accrue 12% annual interest (1% per month) starting January 1.
- Most counties accept in-person, mail, and online payments.
- If you have a mortgage, your lender likely pays via escrow — but verify this annually.
- Set calendar reminders for October 1 (bill review) and December 15 (payment deadline warning).
Alabama Property Tax Calendar
Staying on top of property tax deadlines is essential for avoiding penalties. Here's everything you need to know about Alabama's property tax schedule.
Key Dates
October 1:
- due and payable
- Tax year runs October 1 through September 30
- This is also the "assessment date"-your exemption status is determined as of this date
December 31:
- without penalty in most counties
- apply for homestead exemption for the current tax year
- Some counties may have slightly different deadlines-always verify with your county
January 1:
- delinquent
- Interest and penalties begin accruing
- Interest rate is typically 12% annually in Alabama
Payment Options
Most Alabama counties offer multiple payment methods:
In Person:
- County Revenue Commission office
- Cash, check, or card (fees may apply for cards)
By Mail:
- Send check to your county Revenue Commission
- Allow time for postal delivery before deadline
Online:
- Many counties now accept online payments
- Credit/debit card fees typically 2-3%
- E-check options often available with lower fees
What Happens If You're Late?
If you miss the December 31 deadline:
- Interest accrues at 12% per year (1% per month)
- Additional fees may be added
- Tax lien is placed on your property
- sell your property at tax sale
Escrow Accounts
If you have a mortgage, your lender likely collects property taxes monthly through your escrow account. Your lender then pays the county on your behalf. However:
- Verify payment was made each year
- You're still responsible if your lender fails to pay
- Keep records of all tax payments
Pro Tips
- Set calendar reminders for October 1 (taxes due) and December 15 (payment reminder)
- Sign up for county email alerts if available
- Keep your mailing address updated with the county
- Save payment confirmations for your records
- Consider paying early to avoid year-end rush
Estimate Your Bill
Use our calculator to estimate your property tax before October 1, so you're prepared when the bill arrives.
Frequently Asked Questions
Can I pay my Alabama property taxes in installments?
Alabama does not have a statewide installment plan for property taxes. However, some counties may offer payment arrangements for delinquent taxes. Contact your county Revenue Commission to ask about available options.
What happens if my lender fails to pay my property taxes from escrow?
You are ultimately responsible for your property taxes regardless of escrow arrangements. If your lender fails to pay, penalties and interest will accrue on your account. Check with your county annually to confirm payment was made, and keep records of all escrow statements.
Is there a discount for paying property taxes early?
Alabama does not offer a statewide early-payment discount. Taxes become due on October 1 and are due by December 31 at face value. However, paying early ensures you avoid the year-end rush and gives you peace of mind.
Questions You Should Be Asking
A trusted advisor doesn't just answer your questions — they help you discover the ones you haven't thought to ask yet.
If I close on a house in November, who is responsible for that year's property taxes?
This is typically handled at closing through proration. The seller pays for the portion of the year they owned the home, and the buyer covers the remainder. Your closing attorney should calculate this, but it's wise to verify the proration on your settlement statement.
Can I deduct my Alabama property taxes on my federal income tax return?
Yes, if you itemize deductions. Under current federal tax law, you can deduct up to $10,000 in state and local taxes (SALT), which includes property taxes. Consult a tax professional to determine whether itemizing benefits you more than the standard deduction.
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