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Updated 2025 Tax Year

Cass County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
Approximately 1% base rate + local district additions, varies by location within county
Exemptions
5+ Available
Section 1

How Property Tax Works

Cass County, Indiana operates on a property tax system that funds essential local services including schools, emergency services, infrastructure maintenance, and county operations. Property taxes are calculated based on assessed value and applied tax rates, with Indiana maintaining a base rate of approximately 1% statewide. The effective tax rate in Cass County varies by location within the county due to different combinations of taxing districts including school corporations, townships, libraries, and other special districts.

Property owners in Cass County should note that tax rates and due dates are determined annually when tax abstracts are completed, typically finalized in early each year. The county uses a semi-annual payment system, and property owners may be eligible for various tax credits that can reduce their overall tax liability, though most credits require formal application and are not automatically applied.

Section 2

What Makes Up Your Tax Bill

The 2025 property tax rates for Cass County have not yet been certified by the state and will be available in early 2025. Based on available information:

ComponentRateDescription
County GeneralTBDBasic county services and operations
School CorporationVariesLocal school district funding (varies by district)
TownshipVariesTownship services and fire protection
LibraryVariesPublic library system funding
Special DistrictsVariesAdditional assessments for bonds, improvements

Note: Final rates for levy year 2025 will be certified by the Indiana Department of Local Government Finance in early 2025. Rates vary significantly by location within Cass County depending on which school district, township, and special taxing districts apply to each property. Property owners should check the Cass County Treasurer's website for current certified rates.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Cass 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 Cass County are additional property tax assessments that occur when there are changes to a property's assessed value during the tax year. Common triggers include new construction, major improvements, change of ownership that triggers reassessment, or corrections to the original assessment. When supplemental taxes are levied, they are calculated based on the difference between the original assessed value and the new assessed value, multiplied by the applicable tax rate.

For example, if a property owner completes a $50,000 home addition mid-year, the county assessor would evaluate the improvement and add the assessed value of that improvement to the property's total assessment. The supplemental tax would then be calculated on this additional assessed value using the current year's tax rate, prorated for the portion of the tax year remaining after the improvement was completed.

Example Calculation

Note: These examples use estimated rates as 2025 rates are not yet certified. Actual taxes will vary by specific location and taxing districts.

$300,000 Home

  • Assessed Value: $300,000
  • Less: Standard Homestead Credit (estimated): -$5,000
  • Net Taxable Value: $295,000
  • Estimated Tax Rate: 1.2%
  • Annual Tax: $3,540
  • Monthly (if escrowed): $295

$600,000 Home

  • Assessed Value: $600,000
  • Less: Standard Homestead Credit (estimated): -$5,000
  • Net Taxable Value: $595,000
  • Estimated Tax Rate: 1.2%
  • Annual Tax: $7,140
  • Monthly (if escrowed): $595

$1,000,000 Home

  • Assessed Value: $1,000,000
  • Less: Standard Homestead Credit (estimated): -$5,000
  • Net Taxable Value: $995,000
  • Estimated Tax Rate: 1.2%
  • Annual Tax: $11,940
  • Monthly (if escrowed): $995

All credits shown require application and are not automatic. Contact the Cass County Assessor for current credit amounts and application requirements.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Cass County require property tax escrow accounts for borrowers with less than 20% down payment. The lender collects monthly payments equal to 1/12th of the annual property tax bill along with the mortgage payment. These funds are held in escrow and the lender pays the property taxes directly to Cass County when due.

Property owners with escrow accounts should verify that their lender has current tax information, especially after reassessments or when tax rates change. The lender typically reviews escrow accounts annually and may adjust monthly payments if tax obligations increase or decrease significantly. Property owners remain responsible for ensuring taxes are paid correctly and on time, even when using escrow services. If there are escrow shortages, lenders typically offer options to pay the shortage in full or spread it over 12 months.

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

When are property taxes due in Cass County? For 2025, the first installment is due by March 1st, and the second installment is due in May. Exact dates are determined when the tax abstracts are finalized.

What tax credits are available in Cass County? The primary credit is the Homestead Credit for primary residences. Additional credits may be available for seniors, veterans, and disabled persons. All credits require application through the Cass County Assessor's office and are not automatically applied.

How does the Homestead Credit work? The Homestead Credit provides tax relief for primary residences and limits assessment increases. In Indiana, taxpayers are entitled to only one Homestead Credit statewide. You must file an application with the assessor - it is not automatic.

How often are properties reassessed in Cass County? Indiana reassesses properties annually, with values typically reflecting market conditions as of the assessment date. Property owners receive assessment notices and have the right to appeal if they believe the assessment is incorrect.

What are the penalties for late property tax payments? Late payments typically incur interest and penalty charges. The exact penalty structure is set by state law and local ordinance. Contact the Cass County Treasurer for current penalty rates.

Can I pay my property taxes online? Yes, Cass County offers online property tax research and payment options through the County Treasurer's website. Check the official Cass County website for current payment portals and accepted methods.

Why do tax rates vary within Cass County? Properties are subject to different combinations of taxing districts including school corporations, townships, fire districts, and library districts. Your specific location determines which districts apply to your property.

How do I appeal my property assessment? Property owners who disagree with their assessment can file an appeal with the County Property Tax Assessment Board of Appeals. There are specific deadlines and procedures that must be followed, available through the Cass County Assessor's office.

What triggers a supplemental tax bill? New construction, major improvements, ownership changes that trigger reassessment, or corrections to original assessments can result in supplemental tax bills during the tax year.

Where can I find my current tax bill and payment history? The Cass County Treasurer's office maintains online databases for current tax bills, payment history, and assessed values. Visit their official website or office for access to these records.

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