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Updated 2025 Tax Year

Gibson County
Property Tax Guide

Everything you need to know about property taxes in Gibson County, IN. 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
0.58% base rate, varies by taxing district (school, fire, municipal services add additional levies)
Exemptions
5+ Available
Section 1

How Property Tax Works

Gibson County, Indiana operates under a property tax system that funds essential local services including schools, public safety, road maintenance, and county operations. Property taxes in Gibson County are based on assessed value rather than market value, with the assessment typically representing a percentage of the property's fair market value. The effective tax rate for Gibson County varies by location within the county, generally ranging from approximately 0.58% to higher rates depending on your specific taxing district.

Your actual property tax rate depends on which special taxing districts serve your property, including school districts, townships, fire districts, and municipal services. Each district adds its own levy to the base county rate, meaning two properties of equal value in different areas of Gibson County may have different tax bills. The county reassesses properties periodically to ensure assessments reflect current market conditions, and property owners receive annual tax statements showing the breakdown of all applicable district rates.

Section 2

What Makes Up Your Tax Bill

Based on FY 2025-2026 levy data:

ComponentRateDescription
Gibson County0.5844%Base county operations, services
Union Township0.1209%Township services (example district)
School DistrictVariesLocal school funding (rate varies by district)
MunicipalVariesCity/town services (if applicable)
Fire DistrictVariesFire protection services (where applicable)
Library DistrictVariesPublic library services (where applicable)

Total Effective Rate Range: Approximately 0.70% - 1.10% depending on location

Note: Rates shown are examples from Union Township area. Your actual rate depends on your specific location within Gibson County and which taxing districts serve your property. Contact the Gibson County Assessor's Office at (812) 385-3402 for your exact district rates.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Gibson 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 Gibson County are additional tax bills issued when there are changes to property ownership, value, or use during the tax year. Common triggers include new construction completion, property improvements that increase assessed value, changes in exemption status, or ownership transfers that affect tax credits. Unlike annual property taxes, supplemental taxes are calculated from the date of change through the end of the current tax year.

For example, if you complete a home addition worth $50,000 in assessed value on July 1st, you would receive a supplemental tax bill for the remaining six months of that tax year. The calculation would be: $50,000 × your local tax rate × 0.5 (half year) = your supplemental tax amount. These bills are typically issued within 60-90 days of the change and have separate due dates from your regular property tax installments.

Example Calculation

Example 1: $300,000 Property Value

  • Assessed Value: $300,000
  • Less: Homestead Credit (if applicable): -$45,000 assessment growth limitation
  • Net Taxable Value: $255,000
  • Tax Rate: 0.85% (example combined rate)
  • Annual Tax: $2,167.50
  • Monthly Escrow: $180.63

Example 2: $600,000 Property Value

  • Assessed Value: $600,000
  • Less: Homestead Credit (if applicable): -$45,000 assessment growth limitation
  • Net Taxable Value: $555,000
  • Tax Rate: 0.85% (example combined rate)
  • Annual Tax: $4,717.50
  • Monthly Escrow: $393.13

Example 3: $1,000,000 Property Value

  • Assessed Value: $1,000,000
  • Less: Homestead Credit (if applicable): -$45,000 assessment growth limitation
  • Net Taxable Value: $955,000
  • Tax Rate: 0.85% (example combined rate)
  • Annual Tax: $8,117.50
  • Monthly Escrow: $676.46

Note: Homestead and other credits require annual application and are not automatic. Actual rates vary by taxing district location within Gibson County.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Gibson County require property tax escrow accounts, collecting monthly payments along with your mortgage payment to cover annual property taxes. Your lender calculates the monthly escrow amount by dividing your previous year's total property tax bill by 12, often adding a cushion for potential increases. Gibson County property taxes are paid in two installments (spring and fall), and your lender will make these payments on your behalf from your escrow account.

Lenders typically conduct annual escrow analyses to ensure adequate funds are collected. If your property taxes increase due to rate changes or assessment increases, your monthly escrow payment may be adjusted. You'll receive an annual escrow statement showing all deposits, payments made, and any surplus or shortage. If you pay property taxes directly (without escrow), remember that Gibson County offers payment plans and online payment options through the County Treasurer's office.

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 Gibson County property taxes due? A: For FY 2025-2026, the spring installment is due May 12, 2025, and the fall installment is due November 10, 2025. No additional bills will be mailed after the initial statement.

Q: What homestead credit is available and how do I apply? A: The homestead credit provides up to $45,000 in assessment growth limitation for primary residences. This credit caps annual assessment increases, not the total assessed value. You must apply annually with the Gibson County Assessor's Office by filing the required application before the deadline.

Q: Are there other tax credits available? A: Yes, Indiana offers various credits including senior citizen credits, disability credits, and veteran credits. All require separate applications and proof of eligibility. Contact the Gibson County Assessor at (812) 385-3402 for specific requirements and deadlines.

Q: How often are properties reassessed? A: Gibson County conducts periodic reassessments to ensure properties are assessed at fair market value. Property owners receive notice of assessment changes and have the right to appeal through the County Board of Review.

Q: What are the penalties for late payment? A: Late payments incur interest and penalty charges. Contact the Gibson County Treasurer's office for current penalty rates and payment options if you've missed a due date.

Q: Can I pay my property taxes online? A: Yes, Gibson County offers online payment options through the County Treasurer's website. Various payment methods are typically accepted including electronic checks and credit cards (fees may apply).

Q: Why did my tax bill increase if my home value didn't change? A: Tax increases can result from higher tax rates due to increased municipal budgets, new bond issues, or changes in special district levies, even if your assessed value remains the same.

Q: How do special taxing districts affect my bill? A: Your location within Gibson County determines which special districts (school, fire, library, municipal) serve your property. Each district adds its own rate to the base county rate, creating variations in total tax rates across the county.

Verified Sources

Backed by 10 Official Government Sources

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

01
Tax Doc
Itemized Property Tax Informationauditor.gibson.in.datapitstop.us
02
Tax Doc
Itemized Property Tax Information - Treasurertreasurer.gibsoncounty26.us
03
County
Itemized Property Tax Information - Treasurer - Gibson Countytreasurer.gibsoncounty26.us
04
County
Treasurer - Gibson County Indianagibsoncounty-in.gov
05
County
Treasurer Payment Options - Gibson County Indianagibsoncounty-in.gov
06
Tax Doc
DLGF: Property Tax Due Datesin.gov
07
County
Homestead Exemption – Mobile County Revenue Commissionmobilecopropertytax.com
08
County
Homestead Exemption – Sumter County Board of Tax Assessorssumterassessors.com
09
Homestead Exemption Information – Real Central Appraisal Districtrealcad.org
10
May 10, 2022gibsoncounty-in.gov
All sources verified as of 2025 Tax Year

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