Georgia TAVT calculator
The Title Ad Valorem Tax in Georgia is 7.00% of the taxable amount.
law.justia.com · checked Oct 2, 2026
By Mr. Voltage · Data checked Oct 2, 2026 · Page changed Oct 11, 2026
Where will you register the car?
Georgia
Example quotes. Pick your place and type yours. Example: three quotes on one car in Harris County, Georgia. Pick your own place and type your quotes.
Your deals at a glance
| Deal | Payment | All-in |
|---|---|---|
| $579.17a month | $39,750.09so far | |
| $523.18a month | $42,669.31so far | |
| $566.32a month | $38,979.52so far |
Estimate. Your dealer’s buyer’s order and your lender’s disclosures are the numbers that count. Check them against this.
Your numbers stay in this browser.
$579.17 a month · 60 payments
All-in $39,750.09 so far
$523.18 a month · 72 payments
All-in $42,669.31 so far
$566.32 a month · 60 payments
All-in $38,979.52 so far
Out-the-door $35,030.00 so far
so far: not including a doc fee yet. Enter your dealer’s.
Estimate. Your dealer’s buyer’s order and your lender’s disclosures are the numbers that count. Check them against this.
Out-the-door $35,773.65 so far
so far: not including a doc fee yet. Enter your dealer’s.
Estimate. Your dealer’s buyer’s order and your lender’s disclosures are the numbers that count. Check them against this.
Out-the-door $35,513.50 so far
so far: not including a doc fee yet. Enter your dealer’s.
Estimate. Your dealer’s buyer’s order and your lender’s disclosures are the numbers that count. Check them against this.
New · Gas · change
New or used
The sheet starts with a new car; each deal sets its own
Fuel
Gas car. Electric and hybrid cars pay more in some states
New · Gas · change
New or used
The sheet starts with a new car; each deal sets its own
Fuel
Gas car. Electric and hybrid cars pay more in some states
New · Gas · change
New or used
The sheet starts with a new car; each deal sets its own
Fuel
Gas car. Electric and hybrid cars pay more in some states
Georgia law sets no figure for this fee.
Georgia calls it a dealer fee.
consumer.georgia.gov · checked Oct 2, 2026
Georgia law sets no figure for this fee.
Georgia calls it a dealer fee.
consumer.georgia.gov · checked Oct 2, 2026
Georgia law sets no figure for this fee.
Georgia calls it a dealer fee.
consumer.georgia.gov · checked Oct 2, 2026
- No sales tax and no county or city tax applies to a car in Georgia: the one 7% title tax replaces them and is the same in every county.
law.justia.com · checked Oct 2, 2026
- No plate fee: a standard plate comes with the registration.
dor.georgia.gov · checked Oct 2, 2026
- No separate lien fee when the lender is named on the original title application.
dor.georgia.gov · checked Oct 2, 2026
- No sales tax and no county or city tax applies to a car in Georgia: the one 7% title tax replaces them and is the same in every county.
law.justia.com · checked Oct 2, 2026
- No plate fee: a standard plate comes with the registration.
dor.georgia.gov · checked Oct 2, 2026
- No separate lien fee when the lender is named on the original title application.
dor.georgia.gov · checked Oct 2, 2026
- No sales tax and no county or city tax applies to a car in Georgia: the one 7% title tax replaces them and is the same in every county.
law.justia.com · checked Oct 2, 2026
- No plate fee: a standard plate comes with the registration.
dor.georgia.gov · checked Oct 2, 2026
- No separate lien fee when the lender is named on the original title application.
dor.georgia.gov · checked Oct 2, 2026
Your $5,000.00 down covers the $2,330.00 in tax and fees first; $2,670.00 goes toward the price.
Your $5,000.00 down covers the $2,378.65 in tax and fees first; $2,621.35 goes toward the price.
Your $5,000.00 down covers the $2,263.50 in tax and fees first; $2,736.50 goes toward the price.
Illustrative rate, not a quote. Your APR depends on your credit, the term, the vehicle and the lender.
Illustrative rate, not a quote. Your APR depends on your credit, the term, the vehicle and the lender.
Illustrative rate, not a quote. Your APR depends on your credit, the term, the vehicle and the lender.
60 payments, last $579.06
72 payments, last $523.53
60 payments, last $566.64
cash down plus every payment
cash down plus every payment
cash down plus every payment
Estimate. Your dealer’s buyer’s order and your lender’s disclosures are the numbers that count. Check them against this.
Estimate. Your dealer’s buyer’s order and your lender’s disclosures are the numbers that count. Check them against this.
Estimate. Your dealer’s buyer’s order and your lender’s disclosures are the numbers that count. Check them against this.
3 charges this total leaves out
3 charges this total leaves out
3 charges this total leaves out
What’s different in Georgia
Georgia calls it the Title Ad Valorem Tax.
dor.georgia.gov · checked Oct 2, 2026
A trade-in comes off the amount taxed at its full value, so only the difference is taxed.
law.justia.com · checked Oct 2, 2026
Negative equity rolled into the new loan is not taxed. That point is not confirmed.
law.justia.com · checked Oct 2, 2026
Georgia’s law sets no figure for the dealer fee.
consumer.georgia.gov · checked Oct 2, 2026
From a private seller, the TAVT base is the state’s assessment value for the car, the average of its fair market value and wholesale value, not the price paid.
law.justia.com · checked Oct 2, 2026
Worked examples
Each line below is worked by the same engine as the calculator, on the day this page was built (Nov 11, 2026).
A new car with a trade-in and negative equity
A new car at $32,700.00, with a trade-in allowed at $10,000.00 and $13,000.00 still owed, $5,000.00 down, financed at 5.90% for 60 months, bought from a dealer and registered in Georgia’s example market.
| Line | Amount |
|---|---|
| Price | $32,700.00 |
| Trade-in allowance | $10,000.00 |
| Still owed on the trade-in | $13,000.00 |
| Equity (negative if you owe more than it is worth) | −$3,000.00 |
| Taxable amount law.justia.com · checked Oct 2, 2026 | $22,700.00 |
| Title ad valorem tax (TAVT) law.justia.com · checked Oct 2, 2026 | $1,589.00 |
| Title fee law.justia.com · checked Oct 2, 2026 | $18.00 |
| Registration fee law.justia.com · checked Oct 2, 2026 | $20.00 |
| Lemon Law fee consumer.georgia.gov · checked Oct 2, 2026 | $3.00 |
| Out-the-door price | $34,330.00 |
| Cash down | $5,000.00 |
| Amount financed | $32,330.00 |
| Monthly payment | $623.53 |
| Interest over the loan | $5,081.63 |
| Total paid, interest included | $42,411.63 |
A used car from a dealer
A used car, model year 2022, at $21,500.00, $5,000.00 down, financed at 5.90% for 60 months, bought from a dealer and registered in Georgia’s example market.
| Line | Amount |
|---|---|
| Price | $21,500.00 |
| Taxable amount law.justia.com · checked Oct 2, 2026 | $21,500.00 |
| Title ad valorem tax (TAVT) law.justia.com · checked Oct 2, 2026 | $1,505.00 |
| Title fee law.justia.com · checked Oct 2, 2026 | $18.00 |
| Registration fee law.justia.com · checked Oct 2, 2026 | $20.00 |
| Out-the-door price | $23,043.00 |
| Cash down | $5,000.00 |
| Amount financed | $18,043.00 |
| Monthly payment | $347.98 |
| Interest over the loan | $2,836.01 |
| Total paid, interest included | $25,879.01 |
The rules in Georgia
| Rule | What it says |
|---|---|
| Name of the tax | Title Ad Valorem Tax dor.georgia.gov · checked Oct 2, 2026 |
| Title ad valorem tax (TAVT) | 7.00% of the taxable amount law.justia.com · checked Oct 2, 2026 |
| What is taxed | Taxed: the vehicle price, the doc fee, other dealer fees on the order, accessories fitted before delivery, protection packages and loose items sold with the car. Not taxed: service contracts, GAP, prepaid maintenance and government fees. law.justia.com · checked Oct 2, 2026 |
| Trade-in | A trade-in comes off the amount taxed at its full value, so only the difference is taxed. law.justia.com · checked Oct 2, 2026 |
| Maker’s rebate | A maker’s rebate lowers the amount taxed. dor.georgia.gov · checked Oct 2, 2026 |
| Dealer discount | A dealer discount lowers the amount taxed. dor.georgia.gov · checked Oct 2, 2026 |
| Negative equity | Negative equity rolled into the loan is not taxed. That point is not confirmed. law.justia.com · checked Oct 2, 2026 |
| Doc fee | The law sets no figure for the dealer fee. consumer.georgia.gov · checked Oct 2, 2026 |
| Title fee | $18.00 law.justia.com · checked Oct 2, 2026 |
| Registration fee | $20.00 a year law.justia.com · checked Oct 2, 2026 |
| Who pays, and where | A dealer collects TAVT and sends it with the title application to the tag agent of the county where the vehicle is registered. A private buyer pays the county tag office. law.justia.com · checked Oct 2, 2026 |
| Private-party purchase | The same 7% rate, paid by the buyer at the county tag office within 30 days. Late after day 30: a penalty of 10% of the TAVT plus 1% per month, plus a $10 title penalty. No trade-in reduction. dor.georgia.gov · checked Oct 2, 2026 |
| Tax paid to another state | No credit. A buyer who paid tax on a car in another state still pays Georgia’s TAVT. consumered.georgia.gov · checked Oct 2, 2026 |
| New resident | A rate of 3% of the car’s fair market value, with registration within 30 days of moving. The annual $20 registration and $18 title fee still apply. law.justia.com · checked Oct 2, 2026 |
| Lemon Law fee | $3.00 on a new vehicle only, collected by the dealer at the completion of the sale. consumer.georgia.gov · checked Oct 2, 2026 |
| Two-year registration of a new car | An optional two-year registration for a new passenger car on which TAVT was paid costs $40. It ends on July 1, 2027, when an optional five-year registration replaces it. law.justia.com · checked Oct 2, 2026 |
What has changed
· Registration term: a new version takes effect.
law.justia.com · checked Oct 2, 2026
· The rules on this page start here. Nothing earlier is loaded.
Questions people ask
What is Georgia's TAVT?
The Title Ad Valorem Tax, or TAVT, is a one-time tax Georgia charges when a car is titled. It takes the place of sales tax on the sale and of the yearly ad valorem tax on the car. It is 7% of the car’s fair market value, a single combined state and local rate with no separate county or city add-on, and the rate is the one in effect on the date of purchase. A dealer collects it and sends it in with the title application to the tag office of the county where the buyer lives. A private buyer pays the county tag office.
dor.georgia.gov · checked Oct 2, 2026
law.justia.com · checked Oct 2, 2026
rules.sos.ga.gov · checked Oct 2, 2026
Is TAVT based on the price I pay or the car's value?
It depends on who sells. At a dealer, the statute puts the tax on the retail selling price: freight, delivery, dealer fees, accessories, dealer add-ons and mark-ups are included, and the trade-in comes off. A manufacturer’s rebate comes off a new car only. From a private seller the base is the state’s assessment value, the average of the current fair market value and the wholesale value, not the price paid. Georgia’s revenue department FAQ still describes a different rule for dealer sales, the greater of the price or the manual value. That conflicts with the statute and the department’s rule, and we follow the statute and the rule.
law.justia.com · checked Oct 2, 2026
dor.georgia.gov · checked Oct 2, 2026
dor.georgia.gov · checked Oct 2, 2026
Does a trade-in lower Georgia TAVT?
On a dealer sale, yes. The reduction is the trade-in value stated on the bill of sale, and the owner’s name and the trade-in’s vehicle identification number must be on it. The state’s form allows two trade-ins. On a sale by a private individual, no reduction is made.
law.justia.com · checked Oct 2, 2026
dor.georgia.gov · checked Oct 2, 2026
What do new Georgia residents pay?
A new resident pays TAVT at a rate of 3% of the car’s fair market value, instead of 7%, and must register within 30 days of moving. The annual $20 registration and the $18 title fee still apply. A person who already paid Georgia TAVT, moved away and returns owes no TAVT to retitle the car.
law.justia.com · checked Oct 2, 2026
consumered.georgia.gov · checked Oct 2, 2026
Is the Georgia dealer doc fee capped?
We found no Georgia statute or rule that caps a dealer documentation fee. The rule that applies is advertising: the consumer protection division says an advertised price must include all non-government charges a buyer must pay, including dealer fees, previously installed dealer options and electronic titling fees. Only taxes, tag, title and Lemon Law fees may be added to it, and disclaimers such as “plus fees” are not allowed. The doc fee is part of the base TAVT is figured on.
consumer.georgia.gov · checked Oct 2, 2026
dor.georgia.gov · checked Oct 2, 2026