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Updated 2025 Tax Year

Delta County
Property Tax Guide

Everything you need to know about property taxes in Delta County, CO. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
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Quick Facts
Tax Rate
14.056 mills base rate (varies by special districts)
Exemptions
4+ Available
Section 1

How Property Tax Works

Delta County's property tax system serves as the primary funding mechanism for essential local services including schools, fire protection, road maintenance, and county operations. Property owners pay taxes based on their property's assessed value multiplied by the applicable mill levy rate, which varies significantly by location within the county due to different combinations of special taxing districts.

For the 2026 tax year, Delta County's base mill levy decreased from 18.057 to 14.056 mills, reflecting conservative fiscal management in response to increased property valuations across the county. However, your total effective tax rate will depend on your specific location within Delta County, as additional special districts for schools, fire protection, water, and other services add their own mill levies to the county's base rate. Most property owners can expect total effective rates ranging from approximately 25-40 mills (2.5%-4.0%) depending on their district combinations.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
Delta County Base Levy14.056General county operations and services (2026)
School DistrictsVariesLocal school district operations and bonds
Fire Protection DistrictsVariesLocal fire department services
Water/Sanitation DistrictsVariesWater and sewer services where applicable
Cemetery DistrictsVariesCemetery maintenance and operations
Library DistrictsVariesPublic library services

Note: These rates apply to the 2026 levy year. Your actual total mill levy depends on which special taxing districts serve your specific property location within Delta County. Contact the Delta County Assessor's office at (970) 874-2150 for your exact district combination and total mill levy rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Delta County, property taxes are due in two installments:

Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes in Delta County are additional property tax bills issued when there are changes to property ownership, completion of new construction, or other improvements that increase assessed value during the tax year. These taxes are calculated on a pro-rated basis from the date of the triggering event through the end of the current tax year.

For example, if you complete a $50,000 home addition in July that increases your assessed value by $14,500 (29% of actual value), and your total mill levy is 30 mills, you would owe a supplemental tax of approximately $217.50 for the remaining six months of that tax year ($14,500 × 0.030 × 6/12 months). Supplemental tax bills are typically mailed within 60-90 days after the assessor processes the change and become due 30 days from the postmark date.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (29% for residential): $87,000
  • Less: Senior/Veteran Credits (if applicable): -$3,000
  • Net Taxable Value: $84,000
  • Mill Levy (estimated 32 mills): × 0.032
  • Annual Tax: $2,688 | Monthly: $224

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (29% for residential): $174,000
  • Less: Homestead Credit (if applicable): -$2,000
  • Net Taxable Value: $172,000
  • Mill Levy (estimated 30 mills): × 0.030
  • Annual Tax: $5,160 | Monthly: $430

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (29% for residential): $290,000
  • Less: Available Credits: -$1,500
  • Net Taxable Value: $288,500
  • Mill Levy (estimated 28 mills): × 0.028
  • Annual Tax: $8,078 | Monthly: $673

Note: All tax credits require separate applications and are not automatically applied. Contact the Delta County Assessor for specific credit eligibility and application requirements.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Delta County require property tax escrow accounts, collecting approximately 1/12th of your estimated annual property tax bill with each monthly mortgage payment. Your lender will pay your property taxes directly to Delta County when they become due on April 30th each year. Lenders typically maintain a cushion of 1-2 months in your escrow account to ensure sufficient funds are available.

Each year, your lender will provide an escrow analysis statement showing the previous year's tax payments and any adjustments needed for the coming year. If property taxes increase significantly, you may face a shortage requiring either a lump sum payment or increased monthly payments. Conversely, if taxes decrease or were overestimated, you may receive a refund. Property owners should verify that their lender has paid taxes on time by checking with the Delta County Treasurer's office, as you remain ultimately responsible for payment regardless of escrow arrangements.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are Delta County property taxes due? A: Full property tax payments are due April 30th annually. Personal property declarations must be filed by April 15th each year.

Q: What tax credits are available and how do I apply? A: Available credits may include homestead, senior, veteran, and disability credits. All credits require separate applications filed with the Delta County Assessor's office by specific deadlines. The homestead credit caps annual assessment increases rather than providing a flat reduction. Contact (970) 874-2150 for application forms and eligibility requirements.

Q: How does the homestead credit work? A: Colorado's homestead credit limits the annual increase in your home's assessed value for tax purposes, rather than reducing the market value. You must file an application and meet residency requirements. This credit helps protect against rapid tax increases due to rising property values.

Q: When are properties reassessed? A: Colorado properties are reassessed every two years for residential properties and annually for commercial properties. The next residential reassessment cycle affects 2025 tax bills.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Delta County Board of Equalization by the deadline posted on your Notice of Valuation, typically in early June. Contact the Assessor's office for appeal forms and procedures.

Q: What are the penalties for late payment? A: Late payments incur interest and penalties. Contact the Delta County Treasurer's office at (970) 874-2156 for current penalty rates and payment options.

Q: Can I pay property taxes online? A: Yes, Delta County offers online payment options. Visit the county website or contact the Treasurer's office for available electronic payment methods and any associated processing fees.

Q: Why do special district taxes vary across the county? A: Different areas of Delta County are served by different combinations of fire districts, school districts, water districts, and other special taxing entities. Your total tax rate depends on which districts serve your specific property location.

Verified Sources

Backed by 10 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

01
County
Delta County Commissioners Adopt 2026 Budgetdeltacountyco.gov
02
County
Delta County 2025 Property Taxes Expected to Increasedeltacountyco.gov
03
News Alertsdeltacountyco.gov
04
Cheryl L. Goaddeltacountyco.gov
05
Tax Doc
Property Tax Exemptions/Rebatesdeltacountyco.gov
06
WADE Wdeltacountyco.gov
07
Tax Doc
Senior Property Tax Homestead Exemptiondeltacountyco.gov
08
Tax Doc
Senior Property Tax Homestead Exemption Short Formdeltacountyco.gov
09
County
Departments | Delta County, CO - Official Websitedeltacountyco.gov
10
HB 24B-1001 - Final Fiscal Notecontent.leg.colorado.gov
All sources verified as of 2025 Tax Year

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