You can find out more about our use, change your default settings, and withdraw your consent at any time with effect for the future by visiting Cookies Settings, which can also be found in the footer of the site. After the owner has received their assessment with its property valuation, a property tax bill is mailed separately. Property owners should do their part to remain educated by knowing how the taxes are calculated, when the billing cycle is, and where they can locate it. The assessor will review all relevant information surrounding your property to estimate its overall value. In most Organization for Economic Co-operation and Development (OECD) countries, immovable property tax represents a low proportion of federal revenue when compared to income taxes and value-added taxes. Tax Foundation. "As announced in Budget 2022, the property tax rates for 2023 will be made more progressive from Jan 1, 2023, with higher-value and non-owner-occupied residential properties being taxed at higher rates," MOF and IRAS said. As a concession, owner-occupiers enjoy lower property tax rates for their homes, while all non-owner-occupied residential properties (which include second homes and those held for renting out or investment) are taxed at higher residential tax rates. The revised property tax bills of other owner-occupied flat types are shown below: The property tax payable is derived by multiplying the property tax rate with the AV of the property. The tax is usually based on the value of the owned property, including land. The assessor can estimate the market value of the property by using three different methods, and they have the option of choosing a single one or any combination of the three. The median home value in Clayton County is $97,800, significantly lower than the median values in other Atlanta-area counties like Fulton and DeKalb. Both types of property are tax deductible if you file Schedule A with your income taxes. "States Should Continue to Reform Taxes on Tangible Personal Property. The first Just need to change your mailing address? Homeowners in Fulton County pay the highest property taxes in dollar terms, with the median property tax payment equaling $2,901 per year. Social Support Schemes Will Not Be Affected by This Revision of AVs. When you own or lease a property or manufactured home in B.C., property taxes must be paid yearly for each property. Buyers should always complete a full review of outstanding liens before purchasing any property. Cherokee County offers a number of property tax exemptions to reduce the tax burden on some homeowners. The median property tax payment here is $1,882, which is almost $700 cheaper than the $2,578 national average. The AV revision is part of Inland Revenue Authority of Singapores (IRAS) annual review of properties to compute the property tax payable[1]. The Annual Values (AV) of most residential properties, which include private property and HDB flats, will be revised upwards with effect from 1 January 2023, reflecting the rise in market rents. For eligible homeowners, this reduces the assessed value of a home by $5,000 for county taxes and $166,560 for school taxes. Property taxes in Chatham County are relatively low on a nationwide basis, but they're a bit pricier than the Georgia state average. Another option is to go to the assessors office in the county courthouse. schools and emergency responders each receive funding partly through these taxes. New Jersey had the highest rate in the country, at 2.13%. 51.) Once the assessor has the value, they work in two stages:First, they send the assessed value of the property to the owner. payment on your property using this system. The tax rate for a property is determined by how many city and school districts a property lies within, and adding together the rates applied by each. "Tax on Property. There are also a number of property tax exemptions in Georgia that can reduce your home's assessed value and, therefore, your taxes. When property taxes are left unpaid, the taxing authority may assign a lien against the property. appraised value and the exemption status provided by the Board of One- and two-room HDB owner-occupiers will continue to pay no property tax next year as their annual values remain below S$8,000, said theMinistry of Finance (MOF) and the Inland Revenue Authority of Singapore (IRAS) in a media release on Friday (Dec 2). The appeal may be based on taxability, Richmond County is virtually synonymous with the city of Augusta, as it's often referred to as Augusta-Richmond County or Augusta. Thank you for signing in! An assessor is a local government official trained to determine the fair market value of property for local taxation purposes. For example, the homestead exemption is available on owner-occupied primary residences. Hawaii had the lowest rate, at just 0.31%. for your property or properties in two ways: In addition, you can make a credit card WebCompile the annual digest values: The Tax Commissioner takes the appraised value and the exemption status provided by the Board of Tax Assessors, APPEAL OF For an apples-to-apples comparison, it's useful to look at effective property tax rates. Upon receipt of this notice, the property All one- and two-room HDB owner-occupiers will continue to pay no property tax in 2023 as their AVs remain below $8,000. To determine assessed value, assessors in each county first appraise every home in the county in order to figure out the market value of each piece of real estate. Different property types have various types of tax assessed on the land and its structures. Our mortgage guide provides important information about mortgages in the Peach State to help you during the homebuying process. Many state and local governments tax tangible personal property, such as cars and boats, in addition to real property, such as homes and land. What Is a Mill Rate, and How Are Property Taxes Calculated? (which will reduce returns). Typically, tax assessors will value the property every one to five years and charge the owner of record the appropriate rate following the standards set by the taxing authority. value, uniformity, and/or the denial of an exemption. Below, well walk through how Georgias property tax system works and look at data on taxes in every Georgia county. TAVT Exceptions. Then, they follow it up with a tax bill. A typical homeowner (home value of $1.3 However, the rate in the United States is substantially higher than in many European countries. Residential property AVs will be revised accordingly from 1 January 2023 to reflect this. Ministry of Finance and Inland Revenue Authority of Singapore. However, you may Check out our mortgage calculator. Property tax formula. Annual property tax is calculated by multiplying the Annual Value (AV) of the property with the Property Tax Rates that apply to you. For example, if the AV of your property is $30,000 and your tax rate is 10%, you would pay $30,000 x 10% = $3,000 in property taxes. at 85% of the assessed value listed on your assessment notice or What Is a Mill Rate, and How Are Property Taxes Calculated? A typical homeowner (home value of $1.3 million) will see their annual property tax increase by $247, a modest 1.8% (lower due to new growth and the fact that other classes of property appreciated more quickly. Chance of snow 60%.. The median real estate tax payment in Georgia is $1,771 per year, about $800 less than the national average. It is calculated by a local government where the property is located and paid by the owner of the property. Most property tax assessments are done either annually or every five years, depending on the community where the property is located. These include white papers, government data, original reporting, and interviews with industry experts. This is why property tax is levied on both owner-occupied and non-owner-occupied properties, including property that is vacant or rented out. That means property tax payments are also generally lower, though. If you have a subscription, please log in or sign up for an account on our website to continue. The Government will provide a one-off 60% property tax rebate for all owner-occupied properties, up to a maximum of $60. With both property tax rates and annual values being revised upwards, revenue from property tax looks set to grow further. The AV revision is part of Inland Revenue Authority of Singapores (IRAS) annual review of properties to compute the property tax payable [1] . The property tax payable is derived by multiplying the property tax rate with the annual value of the unit. HDB flats in Singapore. Note: The applicable tax rates for HDB flats are up to 4% for owner-occupied flats and 11% for non-owner-occupied flats. Cloudy skies with afternoon snow showers. Most commonly, property tax is a real estate ad-valoremtax, which can be considered a regressive tax. You can find out the property taxes With a population of around 750,000, Cobb County is one of the largest counties in Georgia. The average effective property tax rate in Henry County is 1.04%, higher than most Georgia counties. The average effective tax rate is 1.00%, lower than the national average by 0.07%. When you visit the site, Dotdash Meredith and its partners may store or retrieve information on your browser, mostly in the form of cookies. Annual property tax is calculated by multiplying the Annual Value (AV) of the property with the Property Tax Rates that apply to you. The existence of a fiduciary duty does not prevent the rise of potential conflicts of interest. Most taxing authorities will recalculate the tax rate annually. For example, suppose the assessor determines that your property value is $500,000 and the assessment rate is 8%. Not all property taxes are real estate taxes. WebAnnual property tax. As announced in the Budget this year, the property tax rates for 2023 will be made more progressive from 1 January 2023, with higher value and non-owner-occupied residential properties being taxed at higher rates. 2023 Property Tax Payable for Owner-Occupied HDB Flats. Press Releases and Announcements on Singapore's bilateral tax treaties. Welcome! This selection must be made at the time of HDB flat owners may refer to HDBs website for more information on median rents of HDB flats. The revision in the annual values of properties reflects the rise in market rents, said the authorities. contact the Tax Assessors' Office at (404) 612-6440, option #1. iXYZdJSPTlvpSAmS79Wis7TrC_A5TEbw_xy6VeziOyc=.html, Accept and process property assessment appeals. Or, if the city and the school district calculated a mill levy of 0.5% and 3%, respectively, the total mill levy for the region would be 4.5% (1% + 0.5% + 3%) or 45 mills. owner desiring to appeal the assessment may do so within 45 days of The annual value of a property is the estimated rent that could be collected annually if it were to be rented out, and it is determined based on the market rate of comparable properties. This service is not intended for persons residing in the E.U. Please purchase a subscription to read our premium content. Internal Revenue Service. Property tax rates and the types of properties taxed vary by jurisdiction. This is not an offer to buy or sell any security or interest. Property taxes are calculated using the value of the property. If there is access to public services, such as sewer, water, and gas, then the land assessment might be higher. If the property is older, assessors determine the amount of depreciation that has taken place and how much the property would be worth if it were empty. So it is the notional rent which could be got if the property The money raised from the property taxes you pay is critical to funding local programs and services, such as: Police and fire protection. instead. On the other hand, property tax rates in Fulton County are not especially high. ", Internal Revenue Service. Try to familiarize yourself with the details of getting a mortgage in Georgia if you plan on using one to purchase your new home. Property taxes are calculated by taking the mill levy and multiplying it by the assessed value of the owners property. SmartAssets The Board of Tax Assessors is required Assessed Value: Definition, How It's Calculated, and Example, Taking Advantage of Property Tax Abatement Programs, Taxes Definition: Types, Who Pays, and Why, Organization for Economic Co-operation and Development (OECD, amount owners owe in property tax is determined, state and local taxes (SALT) taxpayers could deduct on their federal income taxes, Exclusion of Rent from Real Property from Unrelated Business Taxable Income. You can also find additional information about property taxes in Investopedia requires writers to use primary sources to support their work. However, since the Tax Cuts and Jobs Act, the amount of state and local taxes (SALT) taxpayers could deduct on their federal income taxes fell from no limit to $10,000 per year for either married couples or single taxpayers. A review of the new valuation data and confirmation of sticking with a single tax rate for all properties was undertaken at this past Mondays Select Board meeting (12/5/22. Almost all property taxes are levied on real property, which is legally defined and classified by the state apparatus. A rebate of up to S$60 will be given to eligible home owners to mitigate the increase in property tax. With few exceptions, Tax Code Section 23.01 requires taxable property to be appraised at market value as of Jan. 1. Property tax is based on the value of the property, which can be real estate orin many jurisdictionsalso tangible personal property. Property tax is an ad valorem tax assessed on real estate by a local government and paid by the property owner. The mill rate is the amount of tax payable per dollar of a property's value. Owners can see how much they must pay by going to the assessors website and entering their address. adviser representatives (RIA/IARs) that have elected to participate in our matching platform based on WebAnnual Secured Property Tax Bills - The Annual Secured Property Tax Bill is mailed on or before November 1 of each year. Chatham County sits on the Atlantic Coast and contains the city of Savannah. Despite the hike in property taxes, PropertyGuru country manager of Singapore Tan Tee Khoon expects homeowners to be more concerned about economic uncertainties and rising interest rates. This method is based on how much income you could make from the property if it were rented. Tricks for Lowering Your Property Tax Bill. A tax deed is a legal document granting ownership of a property to a government body when the property owner falls into arrears on property taxes. The market value of your property is assessed by using one or a combination of three methods: performing a sales evaluation, the cost method, and the income method. written appeal is filed initially with the Board of Tax In Fulton County, the median property tax payment is $2,901, one of the highest in the state. For a home with an annual value of S$11,000, only 4% of the value is taxable. More information on 2023 property tax bills can be found on IRAS website. There was a problem saving your notification. States Should Continue to Reform Taxes on Tangible Personal Property. Valuing Property. The countys effective property tax rate is 1.19%, which comes in above both state and national averages. your appeal and will not be changed after the appeal is You can learn more about the standards we follow in producing accurate, unbiased content in our. The tax charge will be based on the band into which the property value falls. Computation of Annual Value of a Property [Section 23(1)] As per the Income Tax Act. A reassessment is a process through which a local government adjusts the value of a property periodically for taxation purposes. Property owners will receive their property tax bills by the end of this month. In general, property taxes in Georgia are relatively low. He is the administrator of Colorado Valley Wealth Management and Insurance Group. Your Property Tax Assessment: What Does It Mean? She holds a Bachelor of Science in Finance degree from Bridgewater State University and has worked on print content for business owners, national brands, and major publications. The Towns operating and capital budgets are approved each year at the Annual Town Meeting in the Spring. Occasionally, supplemental spending is also approved at a Special Town Meeting as was recently done in November. While voters approve spending, the setting of the tax rate itself happens in late fall after property values are adjusted to reflect up to date fair market values (based on recent sales data) and new construction is added to the Towns tax base. property taxes in your area. A small number of cities in Georgia use assessment ratios other than 40%, including Decatur, where the assessment ratio is 50%. Private property owners may refer to URAs website. Tax-Rates.org provides detailed statistics on the property taxes collected in every county in the United States, as well as aggregated data for each of the states. All parcels in appeal will be billed Tax Assessors, along with themillage Helping our financial picture will be the retirement of long-term debt and the full funding of our pension and retiree health insurance obligations but this is still some 10 years off, underscoring the importance of aligning our fiscal condition with our infrastructure and facility needs., The next few months will be busy fine-tuning budget proposals in preparation for the spring Annual Town Meeting. Your input is welcomed as the choices that are made impact the quality of your municipal services. . But for sake of convenience, the annual value may be determined in the following two steps: Step I : Determine the Gross Annual Value: The mill rate is the amount of tax payable per dollar of a property's value. performance of any RIA/IAR, participate in the management of any users account by an RIA/IAR or provide Across the United States, the mean effective property tax ratetotal real estate taxes paid divided by total home valuewas 1.03% for 2019, according to data Once they determine the market value, they then apply the Georgia assessment ratio. For example, the 2023 property tax on properties with an annual value of above $100,000 is 23 per cent if they are occupied by the owner. IRAS Monitors Market Rental Trends to Determine the Annual Values of Properties. In some areas, the tax assessor may be an elected official. Owners With Financial Difficulties to Approach IRAS on Payment Plan Before 31 Jan 2023. Contact us, Rise in housing rents due to COVID-19 construction delays, demand amid pandemic recovery: Desmond Lee, Government will do what is necessary to ensure affordable public housing for Singaporeans: Desmond Lee, 6 tips for tenants looking for a rental place in today's housing market. $2.50 (inclusive GST) for each The annual bill has two payment stubs. If youre thinking about buying a home in Georgia, its smart to get some idea of what your property taxes will be. Checking back? The typical homeowner in Richmond County pays a reasonable $1,214 in property taxes annually, but that makes the effective tax rate a fairly expensive 1.16%. The property tax payable is derived by multiplying the property tax rate with the annual value of the unit. The Annual Values (AV) of most residential properties, which include private property and HDB flats, will be revised upwards with effect from 1 January 2023, Facts & Figures: How Does Your State Compare? FY22 ended with budgets being under-spent and revenues exceeding estimates thus the Towns Fund Balance grew. This will allow additional one-time funds to be put toward capital projects, with the bulk of the extra money going to more water pipe replacement work as we continue to replace century old, leaking pipes. Charges. The typical homeowner in DeKalb County pays $2,054 annually in property taxes, which is higher than the $1,771 state average, but is still well below what homeowners pay in neighboring Fulton County. IRAS would like to remind all property owners to pay their 2023 property tax by 31 January 2023. In general, property taxes in the Peach State are relatively low. Sorry, there are no recent results for popular videos. Thank you for your answer! Investopedia does not include all offers available in the marketplace. Those in the married filing separately category have a $5,000 cap. IRAS encourages property owners to join GIRO to enjoy up to 12 interest-free monthly instalments or opt for a one-time deduction. After getting the assessed value, it is multiplied by the mill levy to determine your property taxes due. Annual property tax. this section. The Government will continue to review our social support schemes to ensure that Singaporeans in need of support receive it. the Annual Value is the value after deduction of municipal taxes, if any, paid by the owner. Clayton County is a mostly suburban area that sits south of the city of Atlanta. The mill levy would be $1 million divided by $100 million, which equals 1%. elect to be billed at 100% of the current year's assessed value Note Actual rent received is Rs 1,00,000 per moth whereas expected rent is Rs 80,000 per month so section 23 (1) (c) is applicable. to issue a notice of assessment for taxable tangible real and for 365 days. Additional emphasis in this budget cycle is being placed on long-term capital needs. We have a town facility study underway. The School District just completed an updated analysis of the Essex Elementary School and the Middle High School. Mapping out the timing and affordability of the many needs here will require a good deal of discussion in the months ahead. This is when the assessor determines your property value based on how much it would cost to replace it. We hope that you continue to enjoy our free content. personal property. Please note that we can only estimate your property tax based on median That means that if your homes market value is $100,000, the assessed value is $40,000. Annex A: Progressive Property Tax Rates for Residential Properties Effective 1 Jan 2023. Examples of Annual Property Value in a sentence. This WebPlease note that if there is any change to the AV stated in your Jan bill, it will only be reflected on the digital service from the effective date of change. Fill out this form so we can make sure you have access to everything in the digital version of The Cricket. Looking to calculate your potential monthly mortgage payment? The median real estate tax payment in Georgia is $1,771 per year, which is around $800 less than the $2,578 national mark. That rate is a uniform percentage, varies by tax jurisdiction, and could be any percentage below 100%. Property owners may also contact IRAS at 1800 356 8300. The Select Board affirmed the long-standing practice in Manchester of keeping to a single tax rate. With the vast majority of property being residential (94%) a small shift away from residential taxes would cause a disproportionately high burden on commercial, industrial and personal properties. Thus, the decision was made to stay with a single tax rate. Similarly, it does not make sense to grant a residential exemption, small commercial property exemption or an open space discount given our circumstances and the Select Board voted accordingly. Hans Daniel Jasperson has over a decade of experience in public policy research, with an emphasis on workforce development, education, and economic justice. Deeds of reconveyance do not interact with property taxes. They give a good idea as to how much a new homeowner can expect to pay in property taxes. To continue, upgrade to a supported browser or, for the finest experience, download the mobile app. An ad valorem tax is a tax derived from the value of real estate or personal property. This can range anything from 2% to 9% depending on whether the property is deemed residential, low cost, serviced apartments, landed Enter your financial details to calculate your taxes. In most counties, taxes for schools are the largest source of property taxes. A Mello-Roos is an ad hoc California tax district created with voter approval in order to fund a specific infrastructure project. So, for $1,000 of assessed property value, one mill would be equal to $1. To calculate the exact amount of property tax you will owe requires your property's assessed value and the property The rebate will be automatically offset against any property tax payable in 2023. The owner of a property The different boards, councils, and legislatures meet to decide the appropriate rates. The average effective property tax rate is 0.87%. The assessed value would be $40,000. The Cricket is a weekly print publication mailed via US Postal Service to any US address that should arrive in your mailbox each Friday. The local governing body will use the assessed taxesto fund water and sewer improvements, and provide law enforcement, fire protection, education, road and highway construction, libraries, and other services that benefit the community. Occasional snow showers. The AV revision is part of Inland Revenue Authority of Singapores (IRAS) annual review of properties to compute the property tax payable [1] . Henry County is part of the Atlanta metropolitan area and has a population of more than 220,000 residents. If the assessor feels that the land has the potential to be developed, it could lead to a higher assessment and more taxes for the owner. Click here. registered with the U.S. Securities and Exchange Commission as an investment adviser. Then, all the levies are added together to determine the total tax ratewhats called a mill ratefor an entire region. How to Calculate Your Assessed ValueContact a local real estate office. Request a market analysis of your property. Determine an average price per square foot using the data in the market analysis. Multiply the average price per square foot by the square footage of your property. Add any major improvements completed on your property that would add value. More items They are typically between 15 and 20 mills. So here's the difference: Real estate taxes are taxes on real property only; property taxes can include both real property and tangible personal property. By clicking Accept All Cookies, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. The Tax Commissioner takes the This means that most Singaporeans end up paying less than S$120 a year in property taxes. The payment schedule of property taxes varies by locality. We also reference original research from other reputable publishers where appropriate. Hawaii. The average effective tax rate is 0.92%. 1. 2021, Page 50. The term annual value has been defined under Section 23 (1) of the Income-tax Act, as "the sum for which the property might reasonably be expected to let from year to year". If you have questions about how property taxes can affect your overall financial plans, a financial advisor in Atlanta can help you out. At that rate, a homeowner whose home has a market value of $100,000 would pay just $720 annually in property taxes. The rebate will be automatically offset against any property tax payable in 2023. When you own or lease a property or manufactured home in B.C., property taxes must be paid yearly for each property. To mitigate the increase, the Government will provide a one-off60 per cent property tax rebate for all owner-occupied properties, up to a maximum of S$60. Friendship Tree Thanks, From The MBTS Womans Club, Moving Forward with Gratitude and Purpose, Postcards Home: Wonders and Challenges of Climbing Kili, Democracy is Easy to Lose; It Takes Effort to Save, MBTS Special Town Meeting: A Learning Moment. This figure includes all real estate, income, and sales taxes onthe property. These include white papers, government data, original reporting, and interviews with industry experts. A financial advisor in Georgia can help you understand how homeownership fits into your overall financial goals. Property tax rates in Georgia can be described in mills, which are equal to $1 of taxes for every $1,000 in assessed value. Home to most of the city of Atlanta and some other cities like Sandy Springs, Fulton County is the most populous county in Georgia. You have permission to edit this article. Property taxes are calculated by taking the mill rate and multiplying it by the assessed value of your property.. How would you rate your experience using SmartAssets financial advisor matching service so far? It frees the first $25,000 of the homes assessed value from all property taxes, and it exempts another $25,000 from non-school property taxes. Cookies collect information about your preferences and your devices and are used to make the site work as you expect it to, to understand how you interact with the site, and to show advertisements that are targeted to your interests. For example, if the AV of your property is $30,000 and your tax rate is 10%, you would pay $30,000 x 10% = $3,000 in property taxes. DeKalb County contains about 10% of Atlanta's real estate, along with the city of Decatur. Low 28F. The revision will affect both Housing Board (HDB) flats and private properties. For more information, you may Gross Annual Value Section 23 (1) (c) 8,00,000. Many empiricists andpunditshave called for an increase in property tax rates in developed economies. Ad Valorem Tax: Definition and How It's Determined. This rate is then multiplied by the assessed value of a property, so that people with more valuable properties pay more. ratesset by the Board of Commissioners and other There are typically multiple rates in a given area, because your state, county, local Louisiana. The Annual Value of the property is the estimated annual rent of the property if it were to be let, excluding the rent for furniture, fittings and service charge. The Manchester Womans Club would like to thank all the people and organizations that contributed to the festive program and the lighting of the Friendship Tree for the holiday season on Sunday afternoon, December 4. Do you have a print subscription but havent provided your email address to date? To mitigate the increase in property tax payable, amidst concerns about global inflation and cost of living, the Government will provide a one-off rebate, which is equivalent to 60% of the 2023 Property Tax Bill, up to $60. One-Off Property Tax Rebate in 2023 for Owner-Occupied Homes. All one- and two-room HDB owner-occupiers will continue to pay no property tax in 2023 as their revised AVs remain below $8,000. "With New SALT Limit, IRS Explains Tax Treatment of State and Local Tax Refunds.". 50.) Genuine property rental businesses, properties held for charitable purposes and properties cent SDLT rules match those for the annual residential property tax so that a transaction to which the 15 per cent rate of SDLT is charged is also liable to the annual charge. Cities, counties, and school districts in a region each have the power to levy taxes against the properties within their boundaries, and property tax rates for each jurisdiction are calculated separately. The offers that appear in this table are from partnerships from which Investopedia receives compensation. The median property tax payment in Muscogee County is $1,299. These servicessuch as education, transportation, emergency, parks, recreation, and librariesare funded by property taxes.. "For the majority of owner-occupiers in other HDB flat types, they will pay between S$30 and S$70 more in property tax compared to 2022, after taking into account the rebate," they added. If dealing with numbers is not your cup of tea, simply use the IRAS online calculator. Assessors. Julia Kagan has written about personal finance for more than 25 years and for Investopedia since 2014. Property tax payments in the county are relatively low, but tax rates are high. These vary by county. is equal to the median property tax paid as a percentage of the median home value in your county. loss of principal. All owner-occupied residential properties will receive the rebate. Since you viewed this item previously you can read it again. High around 35F. Web1. A municipality willhirea tax assessorwho assesses the local property. If you're not sure, fill out this form and we will verify or change your email address on file. 2021. Mediacorp Pte Ltd. All rights reserved. Property taxes are a major source of income for city and county governments. submitted. First, a propertys value is assessed via one of the methods described below. In some rare cases, however, you may live in a different jurisdiction from your neighbor. The average effective property tax rate in Cherokee County is just 0.75%, lower than the rate in most other Georgia counties. 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