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Updated 2025 Tax Year

South Central Connecticut County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
Base mill rate 22.0 mills ($22 per $1,000 assessed value), varies significantly by municipality and special taxing districts
1st Due
Jul 1
2nd Due
Jan 1
Exemptions
5+ Available
Section 1

How Property Tax Works

South Central Connecticut County operates under Connecticut's property tax system, where property taxes serve as the primary funding source for local municipal services, public schools, infrastructure maintenance, and county operations. Property owners pay taxes based on their property's assessed value multiplied by the local mill rate, which varies significantly by municipality and special taxing districts within the county.

The property tax system in South Central Connecticut County features a mill rate structure where rates are expressed per $1,000 of assessed value. For the 2025 tax year, the base mill rate is 22.0 mills, though actual rates vary considerably depending on your specific location within the county due to different municipal tax rates and special taxing districts such as fire districts, library districts, and school districts. Property assessments are typically conducted at 70% of fair market value, and the county does not impose an assessment cap, meaning property values can increase without limitation based on market conditions.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
Base County Rate22.0Core county services and administration
Municipal LevyVariesCity/town services (varies by municipality)
School DistrictsVariesLocal school board funding
Fire DistrictsVariesFire protection services (where applicable)
Library DistrictsVariesPublic library funding (where applicable)
Special AssessmentsVariesInfrastructure bonds, improvement districts

Rates shown are for Fiscal Year 2025. Total effective mill rates typically range from 22.0 to 35.0+ mills depending on your specific location and applicable special districts. Contact your local tax assessor for your exact total mill rate, as combinations of municipal and special district rates create significant variation across the county.

Section 3

When Are Property Taxes Due?

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

First Installment
Jul 1
Delinquent after Dec 10
Second Installment
Jan 1
Delinquent after Apr 10
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 South Central Connecticut County are additional property tax bills issued when there are changes in property ownership, new construction completion, or property improvements that occur after the October 1st assessment date. These taxes cover the period from when the change occurred until the end of the current tax year.

Supplemental taxes are calculated by determining the difference between the old assessed value and the new assessed value, then applying the current mill rate to that difference, prorated for the remaining months in the tax year. For example, if you purchase a home in March that was previously assessed at $200,000 but now has a market value requiring a $250,000 assessment, you would owe supplemental taxes on the $50,000 difference from March through June (4 months). Motor vehicles are also subject to supplemental property taxes, with bills typically due January 1st for vehicles acquired during the previous tax year.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (70%): $210,000
  • Less: Homestead Credit (if qualified): -$1,000
  • Net Taxable Value: $209,000
  • Annual Tax (22.0 mills): $4,598
  • Monthly Escrow: $383

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (70%): $420,000
  • Less: Homestead Credit (if qualified): -$1,000
  • Net Taxable Value: $419,000
  • Annual Tax (22.0 mills): $9,218
  • Monthly Escrow: $768

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (70%): $700,000
  • Less: Homestead Credit (if qualified): -$1,000
  • Net Taxable Value: $699,000
  • Annual Tax (22.0 mills): $15,378
  • Monthly Escrow: $1,282

Note: Credits shown require annual application and income qualification. Rates may be higher due to municipal and special district additions. Calculations use base county rate only.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in South Central Connecticut County require borrowers to establish an escrow account for property tax payments, especially for loans with less than 20% down payment. Your lender collects monthly escrow payments equal to your annual property tax bill divided by 12, plus a small cushion (typically 2 months) to account for rate increases and payment timing.

Property tax bills are mailed on June 25th with the first installment due July 1st (payable by August 1st) and the second installment due January 1st. Lenders typically pay the July installment from your escrow account in July/August and the January installment in December/January. Your lender will provide an annual escrow analysis showing how your payments were applied and any adjustments needed for the following year. You can verify that your lender is paying the correct amounts by reviewing your property tax bills, which are mailed to your property address even when paid through escrow.

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? A: The first installment is due July 1, 2025 (payable by August 1, 2025) and the second installment is due January 1, 2026. Motor vehicle supplemental taxes are also due January 1st.

Q: What tax credits are available and do they apply automatically? A: The primary credit is the State Homeowner's Credit, which reduces your tax bill and requires annual application with income qualification. This credit is NOT automatic and must be filed with your local assessor's office.

Q: How does the Homestead Credit work? A: Connecticut's homestead-type programs limit assessment increases rather than reducing market value. These programs cap the annual growth in your assessed value (typically 3-5%) and require annual application with income documentation to maintain eligibility.

Q: How often are properties reassessed? A: Connecticut requires revaluation every 5 years, though some municipalities may conduct more frequent assessments. The most recent county-wide revaluation was completed in 2023, with the next scheduled for 2028.

Q: What are the penalties for late payment? A: Interest charges of 1.5% per month (18% annually) apply to unpaid taxes after the due dates. Additional penalties may apply for taxes remaining unpaid after 30 days.

Q: Can I pay property taxes online? A: Yes, most municipalities in South Central Connecticut County offer online payment options through their websites or third-party payment processors. Contact your local tax collector for specific online payment information and any associated convenience fees.

Q: How do special district taxes work? A: Special districts (fire, library, lighting, etc.) add additional mill rates to your base property tax. These rates vary by location and the services provided in your specific area. Your total mill rate includes all applicable district charges.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with your local Board of Assessment Appeals typically within 60 days of receiving your assessment notice. Appeals require evidence that your assessed value exceeds fair market value, such as recent comparable sales or professional appraisals.

Q: Are there credits for seniors, veterans, or disabled persons? A: Yes, various tax credit programs exist for qualifying seniors, veterans, and disabled individuals. These credits reduce your tax bill but require annual application with documentation of eligibility. Contact your local assessor's office for specific programs and application deadlines.

Q: When do I need to file for tax credits? A: Most tax credit applications have deadlines between February 1st and May 31st for the following tax year. Missing the deadline typically means waiting until the next tax year to receive benefits, so early filing is recommended.

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