Elba, Coffee County, Alabama Property Taxes
Property Taxes in Elba, Alabama
Median Elba, Alabama effective property tax rate: 0.35%, significantly lower than the national median of 1.02%, and lower than the Alabama state median of 0.47%.
Median Elba, Alabama home value: $91,660
Median annual Elba, Alabama tax bill: $380, $2,020 lower than the national median property tax bill of $2,400.
How are property taxes in Coffee calculated?
Property taxes in Elba, Alabama are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Elba's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Elba, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Elba, Coffee County, Alabama Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.35%
Estimate Property Tax Bill
$321
$298
How Does the Elba Property Tax Calculator Work?
Use this Elba property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Elba's median effective tax rate of 0.35% — based on actual property records in Coffee County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Elba's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Elba: rates range from 0.35% in 36323 to 0.35% in 36323, primarily due to differences in school district levies and local assessment districts. Elba's median effective tax rate is lower than the 0.47% state median, and the median property tax bill of $380 is $2,020 lower than the state median.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Elba.
About Elba Property Taxes
About Property Taxes in Elba, Coffee, Alabama
Elba's median effective property tax rate of 0.35% is lower than the Alabama state median of 0.47% and lower than the national median of 1.02%. This rate reflects the Coffee County base levy combined with local school district levies and special assessment districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Elba. Homeowners in the 36323 ZIP code carry a median effective rate of 0.35%, while those in the same ZIP code pay 0.35%. This spread reflects how school district boundaries and local assessment districts are drawn across Coffee County. Understanding which part of Elba you live in can make a meaningful difference to your annual tax bill.
Elba homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the May 1, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Elba, Coffee County, Alabama
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Elba's effective property tax rate to other cities in Alabama and the median property tax rates in Alabama and the U.S.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Elba Tax Rate
0.35%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Coffee County Tax Rate
0.43%
Median Effective Alabama Tax Rate
0.47%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Elba, Coffee County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 36323 | 0.21% | 0.31% | 0.35% | 0.73% | 0.83% |
Source: Ownwell
Property Tax Assessment Values Across Elba, Coffee County, Alabama
When examining property taxes in Elba, Alabama, understanding the distinction between market value and assessed value is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Coffee County appraisal district estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Coffee County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. For example, the median home price in Elba is $91,660, with tax bills ranging significantly across the county. ZIP code 36323 has the highest median home price at $91,660.
Property Tax Assessment Values Across Elba, Coffee County, Alabama
Source: Ownwell
$81,385
$171,798
$262,210
Median Elba Market Value
$91,660
Median Coffee County Market Value
$158,400
Median Alabama Market Value
$169,700
Median United States Market Value
$235,294
Property Tax Assessment Values Across Elba, Coffee County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 36323 | $28,510 | $51,340 | $91,660 | $163,070 | $265,330 |
Source: Ownwell
Property Tax Bills Across Elba, Coffee County, Alabama
Property tax bills in Elba are based on the assessed value of a home, not its market price. Local tax rates are applied to that assessed value to determine the amount a homeowner owes each year. For homeowners in Coffee County, the size of the bill can vary depending on the home’s value, any exemptions that may apply, and the local taxing authorities that set the rate.
With a median home price of $91,660, Elba homeowners often see relatively modest tax bills compared with higher-priced areas. The median property tax bill in the area is $380.00, which is well below the national median property tax bill of $2,400 and the national median property tax rate of 1.02%. Bills can still differ from one property to another, with the 25th percentile at $214, the 75th percentile at $636, and the 90th percentile at $964. For homeowners, this means property taxes can be a manageable expense, but changes in assessed value or tax rates can still affect annual costs.
Median Elba Tax Bill
$380
Median Coffee County Tax Bill
$710
Median Alabama Tax Bill
$813
Median United States Tax Bill
$2,400
Property Tax Bills Across Elba, Coffee County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 36323 | $120 | $214 | $380 | $636 | $964 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | May 1 |
Links | |
|---|---|
| Coffee Tax Assessor | |
| Website | coffeecountyal.governmentwindow.com |