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Updated 2025 Tax Year

Naugatuck Valley County
Property Tax Guide

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

9 Official Sources
8 min read
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Quick Facts
Tax Rate
2.5%-4.0% of market value annually (varies by municipality, e.g., Naugatuck at 39.79 mills for 2024)
Exemptions
5+ Available
Section 1

How Property Tax Works

Naugatuck Valley County, Connecticut operates under a mill-based property tax system that serves as the primary funding source for local government services, public schools, infrastructure maintenance, and community programs. Property taxes in the region are administered at the municipal level, with each town and borough setting its own mill rate based on local budget requirements and the assessed value of taxable property within their jurisdiction.

The effective property tax rates across Naugatuck Valley County vary significantly by municipality and special taxing districts, typically ranging from approximately 2.5% to 4.0% of market value annually. For example, the Borough of Naugatuck set its mill rate at 39.79 mills for the 2024 grand list (affecting 2025 tax bills), while motor vehicle taxes are capped at 32.46 mills. Property assessments are conducted periodically by local assessors, and tax bills are generally issued in two installments throughout the year. It's important to note that actual tax rates can vary within the same municipality due to special taxing districts for services like fire protection, water, or sewer districts.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)DescriptionLevy Year
Base Municipal Rate39.79General municipal operations, services, and school fundingFY 2024-2025
Motor Vehicle Tax32.46Capped rate for registered motor vehiclesFY 2024-2025
Special DistrictsVariesAdditional assessments for fire, water, sewer, or other special servicesFY 2024-2025

Note: Mill rates are expressed per $1,000 of assessed value. Rates shown are specific to the Borough of Naugatuck and may differ in other Naugatuck Valley municipalities. Special taxing districts within the county can add additional mills to the base rate, resulting in variation even within the same municipality. Contact your local tax assessor for current rates specific to your property location.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Naugatuck Valley 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 property tax assessments in Naugatuck Valley County are triggered by specific events that change a property's assessed value during the tax year. The most common triggers include new construction or substantial improvements completed after the annual assessment date, change of ownership that reveals previously unreported improvements, and subdivision of existing parcels creating new taxable units.

When a supplemental assessment is issued, it covers the period from when the triggering event occurred through the end of the current tax year. The calculation is based on the difference between the new assessed value and the original assessed value, multiplied by the applicable mill rate, then prorated for the remaining months in the tax year. For example, if a $100,000 addition is completed in March and added to the assessment at 70% of market value ($70,000), with a mill rate of 39.79, the supplemental tax would be approximately $2,785 ($70,000 ÷ 1,000 × 39.79) prorated for 10 months, resulting in a supplemental bill of about $2,321.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (70%): $210,000
  • Less: Homestead Credit (if applicable): -$0 (requires application)
  • Net Taxable Value: $210,000
  • Annual Tax: $210,000 ÷ 1,000 × 39.79 = $8,356
  • Monthly Escrow: $696

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (70%): $420,000
  • Less: Veterans Credit (if applicable): -$0 (requires DD214 filing)
  • Net Taxable Value: $420,000
  • Annual Tax: $420,000 ÷ 1,000 × 39.79 = $16,712
  • Monthly Escrow: $1,393

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (70%): $700,000
  • Less: Applicable Credits: -$0 (most require annual application)
  • Net Taxable Value: $700,000
  • Annual Tax: $700,000 ÷ 1,000 × 39.79 = $27,853
  • Monthly Escrow: $2,321

Note: All tax credits require application and approval. Veterans must file DD214 with town clerk before September 30 to receive exemption on the following July assessment.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Naugatuck Valley County require property tax escrow accounts for borrowers with less than 20% down payment, though some lenders mandate escrow regardless of down payment amount. Your lender will calculate monthly escrow payments based on the annual property tax amount divided by 12, plus a cushion typically equal to 2-3 months of payments to account for potential tax increases.

Property tax bills are generally issued twice per year, with the first installment due August 1st and the second installment due February 2nd of the following year. Lenders typically pay taxes directly from your escrow account before the due dates to avoid interest charges. You should receive copies of tax bills and payment confirmations from your lender. If your escrow account shows a shortage or surplus during the annual analysis, your monthly payment may be adjusted accordingly. Property owners are responsible for verifying that their lender pays taxes on time, as the property owner remains ultimately liable for any unpaid taxes, interest, or penalties.

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 property taxes due for FY 2025-2026? A: The first half is due by August 1, 2025, and the second half is due by February 2, 2026. Bills for the July installment are mailed by June 13, 2025.

Q: What tax credits are available and how do I apply? A: Common credits include veterans exemptions (requires filing DD214 with town clerk before September 30), elderly/disabled person credits, and certain disability exemptions. All credits require annual application and supporting documentation submitted to your local assessor's office.

Q: How does the homestead credit work? A: Connecticut's homestead-type programs typically limit assessment increases rather than reducing market value. These programs cap annual assessment growth (often to 10% or less) for qualifying homeowners. Applications must be filed with deadlines usually in early fall.

Q: How often are properties reassessed? A: Connecticut requires municipal revaluations periodically, typically every 4-10 years depending on the municipality. Individual properties may be reviewed annually for changes or improvements.

Q: What are the penalties for late payment? A: Interest accrues on unpaid taxes after the due dates. Contact your local tax collector for current interest rates and penalty schedules, as these vary by municipality.

Q: Can I pay my property taxes online? A: Yes, most Naugatuck Valley municipalities offer online payment options. You can also pay by phone at 1-888-891-6064 (choose option 2). Check your local tax collector's website for specific payment methods.

Q: What if I disagree with my property assessment? A: You can appeal your assessment to the local Board of Assessment Appeals, typically within 60 days of receiving your assessment notice. Contact your municipal assessor's office for appeal procedures and deadlines.

Q: Do special districts affect my tax rate? A: Yes, properties located within special taxing districts (fire, water, sewer, etc.) may have additional mill rates added to the base municipal rate. Your tax bill will itemize these charges separately.

Verified Sources

Backed by 9 Official Government Sources

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

01
Tax Doc
Tax Office - Naugatuck, CTnaugatuck-ct.gov
02
Mill Ratesportal.ct.gov
03
2025-26 budgetnewtown-ct.gov
04
Special Meeting Unapproved Minutes March 26, 2025townofprospect.gov
05
Tax Doc
City of Derby, ConnecticutTax Collectorderbyct.gov
06
Assessor - Naugatuck, CTnaugatuck-ct.gov
07
Housing Presentationnvcogct.gov
08
Tax Doc
PROPERTIES EXEMPT FROM PAYING PROPERTY TAXES ...cga.ct.gov
09
https://www.eitc.irs.gov/pub/irs-soi/eo_ct.csveitc.irs.gov
All sources verified as of 2025 Tax Year

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