Garden City, Cullman County, Alabama Property Taxes
Property Taxes in Garden City, Alabama
Median Garden City, Alabama effective property tax rate: 0.64%, significantly higher than the national median of 1.02%, and higher than the Alabama state median of 0.47%.
Median Garden City, Alabama home value: $84,200
Median annual Garden City, Alabama tax bill: $313, lower than the national median property tax bill of $2,400.
How are property taxes in Cullman calculated?
Property taxes in Garden City, 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 Garden City's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Garden City, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Garden City, Cullman County, Alabama Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.64%
Estimate Property Tax Bill
$539
$500
How Does the Garden City Property Tax Calculator Work?
Use this Garden City property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Garden City's median effective tax rate of 0.64% — based on actual property records in Cullman 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 Garden City'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 Garden City: rates range from 0.64% in 35070 to 0.64% in 35070, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Garden City.
About Garden City Property Taxes
About Property Taxes in Garden City, Cullman, Alabama
Garden City’s median effective property tax rate of 0.64% is higher than the Alabama state median of 0.47% and lower than the national median of 1.02%. This rate reflects the Cullman 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 Garden City. Homeowners in the 35070 ZIP code carry a median effective rate of 0.64%, while those in the same ZIP also pay 0.64%. This spread — 0 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Cullman County. Understanding which part of Garden City you live in can make a meaningful difference to your annual tax bill.
Garden City 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 Garden City, Cullman 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 Garden City’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 Garden City Tax Rate
0.64%
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 Cullman County Tax Rate
0.26%
Median Effective Alabama Tax Rate
0.47%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Garden City, Cullman County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 35070 | 0.25% | 0.29% | 0.64% | 0.64% | 0.64% |
Source: Ownwell
Property Tax Assessment Values Across Garden City, Cullman County, Alabama
When examining property taxes in Garden City, 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. Cullman County 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 Cullman County are sent in the spring each year and 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 Garden City is $84,200, with a median tax bill of $313. The highest median home price is in 35070, also at $84,200.
Property Tax Assessment Values Across Garden City, Cullman County, Alabama
Source: Ownwell
$84,200
$192,175
$300,150
Median Garden City Market Value
$84,200
Median Cullman County Market Value
$177,600
Median Alabama Market Value
$169,700
Median United States Market Value
$235,294
Property Tax Assessment Values Across Garden City, Cullman County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 35070 | $33,660 | $50,900 | $84,200 | $119,200 | $195,180 |
Source: Ownwell
Property Tax Bills Across Garden City, Cullman County, Alabama
Property tax bills in Garden City are based on the assessed value of a home and the local tax rate set for Cullman County. The assessed value is determined from the market value of the property, and that figure is then multiplied by the applicable tax rate to calculate the bill. For homeowners, this means that changes in market value can directly affect what they owe each year.
In Garden City, the median home price is $84,200, which helps explain why many tax bills are relatively modest compared with the national median property tax bill of $2,400. The median tax bill in the area is $313, while the 25th percentile is $211 and the 75th percentile is $528. At the 90th percentile, the bill reaches $717. These differences show how property characteristics and assessed values can lead to very different tax bills for homeowners, even within the same city.
Median Garden City Tax Bill
$313
Median Cullman County Tax Bill
$532
Median Alabama Tax Bill
$813
Median United States Tax Bill
$2,400
Property Tax Bills Across Garden City, Cullman County, Alabama
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 35070 | $163 | $211 | $313 | $528 | $717 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | May 1 |
Links | |
|---|---|
| Cullman Tax Assessor | |
| Website | cullmanproperty.countygovservices.com |