HonestCasa logoHonestCasa
All Tax Guides
Updated 2025 Tax Year

Miami County
Property Tax Guide

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

10 Official Sources
8 min read
Calculate Your True CostMortgage Calculator
Quick Facts
Tax Rate
Approximately 1% of assessed value (varies by taxing district - school, fire, municipal)
1st Due
May 10
2nd Due
Nov 10
Exemptions
4+ Available
Section 1

How Property Tax Works

Miami County, Indiana operates under the state's property tax system, which funds essential local services including schools, public safety, infrastructure, and county operations. Property taxes are calculated based on assessed value and applied tax rates that vary by location within the county due to different special taxing districts such as school corporations, fire districts, and municipal areas.

The effective property tax rate in Miami County typically ranges around 1% of assessed value, though this varies significantly based on your specific location and the combination of taxing districts that apply to your property. Indiana law requires properties to be assessed at fair market value, with assessments conducted on a regular cycle. Property owners receive tax bills twice yearly with payment due dates of May 10 and November 10, with extensions to the next business day if the due date falls on a weekend or holiday.

Section 2

What Makes Up Your Tax Bill

The exact property tax rate for Miami County's FY 2025-2026 levy year has not been finalized, as budget orders were issued in January 2025 with final rates to be determined by local authorities. Tax rates vary by special taxing districts within the county.

ComponentRateDescription
County GeneralTBDBasic county services and operations
School CorporationTBDLocal school district funding (varies by district)
TownshipTBDTownship services and maintenance
MunicipalTBDCity/town services (if applicable)
LibraryTBDPublic library system funding
Fire DistrictTBDFire protection services (varies by district)
Cumulative FundsTBDCapital improvements and equipment

Note: Rates shown are for FY 2025-2026 levy year and vary significantly based on your property's location within Miami County's various taxing districts.

Section 3

When Are Property Taxes Due?

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

First Installment
May 10
Delinquent after Dec 10
Second Installment
Nov 10
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 property taxes in Miami County are additional assessments that occur when there are changes to property ownership, new construction, or property improvements that increase assessed value during the tax year. These supplemental bills are calculated based on the difference between the old and new assessed values, prorated for the portion of the tax year remaining after the change.

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 half the year (6 months) based on that additional $50,000 assessment. The supplemental tax would be calculated using the same tax rate that applies to your property's location within the county's taxing districts.

Example Calculation

The following examples assume a combined tax rate of approximately 1.0% and include potential tax credits that require application:

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Less: Homestead Credit (applied to $29,000): -$290
  • Net Taxable Value: ~$299,710
  • Annual Tax: ~$2,997
  • Monthly (if escrowed): ~$250

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Less: Homestead Credit (applied to $29,000): -$290
  • Net Taxable Value: ~$599,710
  • Annual Tax: ~$5,997
  • Monthly (if escrowed): ~$500

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Less: Homestead Credit (applied to $29,000): -$290
  • Net Taxable Value: ~$999,710
  • Annual Tax: ~$9,997
  • Monthly (if escrowed): ~$833

Note: These examples are estimates. Credits shown require application and approval. Actual rates vary by specific location within Miami County.

See How Taxes Affect Your Payment

Property taxes are just part of your total monthly cost. Get the full picture.

Calculate Now
Section 5

Escrow & Property Taxes

Most mortgage lenders in Miami County require property tax escrow accounts, where you pay 1/12 of your estimated annual property tax bill with each monthly mortgage payment. Your lender collects these funds and pays your property tax bills directly to Miami County when they become due on May 10 and November 10.

Lenders typically conduct annual escrow analyses to ensure adequate funds are collected, adjusting your monthly payment if necessary. You should verify that your lender has current contact information for Miami County's tax collector and confirm that payments are made on time to avoid penalties. If you pay your own taxes without escrow, you're responsible for making payments by the due dates, and online payments are available with applicable service fees.

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 in Miami County for FY 2025-2026? A: Property taxes are due in two installments: May 10 and November 10. If either date falls on a weekend or holiday, the deadline extends to the next business day.

Q: What tax credits are available and do they require application? A: The primary credit is the Homestead Credit, which provides a credit on property tax bills for qualifying homeowners on up to $29,000 of market value. This credit requires application and is NOT automatic - contact the Miami County Auditor's Office to apply.

Q: How does the Homestead Credit work? A: The Homestead Credit limits assessment increases rather than reducing market value directly. It requires filing an application with the county and provides ongoing protection against large assessment increases for qualifying primary residences.

Q: Can I pay property taxes online? A: Yes, Miami County offers online payment options, though service fees typically apply. Contact the county treasurer's office for specific payment methods and fee schedules.

Q: What happens if I pay late? A: Late payments incur penalties and interest charges. The exact penalty structure should be confirmed with Miami County's treasurer's office.

Q: How often are properties reassessed? A: Indiana requires regular reassessment cycles. Contact the Miami County Assessor's Office for the current assessment schedule and appeal process information.

Q: How do special taxing districts affect my tax rate? A: Your location within Miami County determines which combination of school district, fire district, township, and municipal taxes apply. Properties in different areas of the county can have significantly different total tax rates.

Q: Where do I apply for property tax credits and exemptions? A: Property tax credit and exemption applications are filed with the Miami County Auditor's Office. Contact them directly for specific forms, deadlines, and eligibility requirements.

Verified Sources

Backed by 10 Official Government Sources

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

01
County
News Flash • Miami County, IN • CivicEngagemiamicountyin.gov
02
Miami - DLGFin.gov
03
FY 2025-26 Proposed Budget and Multi-Year Capital Planmiamidade.gov
04
County
News Flash • Miami County, IN • CivicEngagemiamicountyin.gov
05
County
Tax Payments | Miami County, INmiamicountyin.gov
06
State
Real Estate & Personal Property Taxmiamicountyks.gov
07
Homestead Exemptionmiamicountyohioauditor.gov
08
Exemptionsmiamicountyin.gov
09
Homeownership Preservation Program (Posted 4-30-2021)miami.gov
10
County
Miami County: Property Tax Calculation - Treasurertreasurer.miamicounty52.us
All sources verified as of 2025 Tax Year

See the Full Picture of Your Home Costs

Property taxes are just one piece of homeownership. HonestCasa helps you understand your total monthly cost and explore safe ways to access your home equity.

Total Monthly Cost

Mortgage + taxes + insurance + HOA

Equity Growth

Track how your equity grows over time

Safe Equity Access

Options for projects or debt payoff

Run Your ScenarioTry Calculator

Free • No credit check • 2-minute estimate