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Updated 2025 Tax Year

Ohio County
Property Tax Guide

Everything you need to know about property taxes in Ohio 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
1.10 mills base county rate plus additional district assessments - varies by location within county
Exemptions
4+ Available
Section 1

How Property Tax Works

Ohio County, Indiana operates on a property tax system that funds essential local services including schools, county government operations, fire protection, and infrastructure maintenance. Property taxes are assessed based on the fair market value of real estate and are collected through a semi-annual payment schedule with due dates in February and July.

The effective property tax rate in Ohio County varies by location within the county due to different combinations of taxing districts. While the base county rate is 1.10 mills for general county purposes, property owners may also pay additional assessments for school districts, fire departments, library services, and other special taxing districts depending on their specific location. This means that two properties of equal value in different areas of Ohio County may have different total tax bills based on the services provided in their respective districts.

Tax rates and assessments can change annually based on budget needs of local government entities and voter-approved levies. Property owners should verify their specific tax rate with the Ohio County Assessor's office, as rates vary significantly based on which taxing districts serve each property location.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
County General1.10Basic county operations and services
School DistrictsVariesLocal school district funding (varies by district)
Fire ProtectionVariesFire department services (varies by district)
Library ServicesVariesPublic library funding (varies by district)
Special AssessmentsVariesInfrastructure, bonds, other local needs

Rates shown are for FY 2025-2026. Total effective rates vary significantly by location within Ohio County based on applicable special taxing districts. Contact the Ohio County Assessor for your specific property's total rate, as it depends on which combination of taxing districts serve your address. Rates are subject to annual changes based on local government budgets and voter-approved levies.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Ohio 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 taxes in Ohio County are triggered when there are significant changes to a property during the tax year that affect its assessed value. Common triggers include ownership transfers, new construction, major renovations, or corrections to previous assessments. These supplemental bills ensure that property taxes are properly adjusted for the current tax year rather than waiting until the next regular assessment cycle.

When a supplemental tax situation occurs, the County Assessor calculates the difference between the original assessed value and the new assessed value, then applies the current tax rate to determine the additional tax owed. For example, if a property owner completes a $50,000 home addition in March, they would receive a supplemental tax bill for the increased assessed value for the remaining months of that tax year. The supplemental tax is prorated based on the number of months remaining in the tax year when the change occurred, ensuring property owners only pay for the period when the improved value applied to their property.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Less: Homestead Credit (if applicable): -$29,000 equivalent credit
  • Net Taxable Value: ~$271,000 effective
  • Tax Rate: 1.10 mills (base rate, excludes special districts)
  • Annual Tax: ~$330 (base only, actual total will be higher with special districts)
  • Monthly Escrow: ~$55+ (varies significantly by location)

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Less: Homestead Credit (if applicable): -$29,000 equivalent credit
  • Net Taxable Value: ~$571,000 effective
  • Tax Rate: 1.10 mills (base rate, excludes special districts)
  • Annual Tax: ~$660 (base only, actual total will be higher with special districts)
  • Monthly Escrow: ~$110+ (varies significantly by location)

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Less: Homestead Credit (if applicable): -$29,000 equivalent credit
  • Net Taxable Value: ~$971,000 effective
  • Tax Rate: 1.10 mills (base rate, excludes special districts)
  • Annual Tax: ~$1,100 (base only, actual total will be higher with special districts)
  • Monthly Escrow: ~$185+ (varies significantly by location)

Note: These calculations show only the base county rate. Actual tax bills include additional assessments for schools, fire protection, and other special districts that vary by location. All tax credits require application and are not automatic.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Ohio County require borrowers to maintain an escrow account for property tax payments, especially when the down payment is less than 20%. The lender collects monthly payments along with principal and interest, then pays the property taxes directly to Ohio County when due. Lenders typically collect 1/12th of the estimated annual property tax bill each month, plus an additional cushion amount as allowed by federal regulations.

Property tax payments are due semi-annually in Ohio County, with first half taxes due by February 19th and second half taxes due by July 16th for the 2025-2026 tax year. Lenders monitor these due dates and ensure timely payment to avoid penalties. Property owners should verify that their lender has current contact information and is receiving tax bills properly. If there are changes in tax rates or assessments, lenders will adjust the monthly escrow payment accordingly, typically during the annual escrow analysis. Property owners have the right to request escrow account statements and can challenge escrow calculations if they believe the amounts are incorrect.

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 Ohio County for FY 2025-2026? A: First half taxes are due by February 19, 2026, and second half taxes are due by July 16, 2026. These are firm deadlines to avoid penalties.

Q: What tax credits are available and do I need to apply? A: The primary credit is the Homestead Credit for owner-occupied residences, which provides approximately $518 in tax savings on average. This credit is NOT automatic and requires application. Senior citizens (65+), disabled persons, and qualifying surviving spouses may be eligible for additional credits that also require separate applications.

Q: How does the Homestead Credit work? A: The Homestead Credit provides a tax reduction on the first $29,000 of market value and helps cap assessment increases at 10% annually for qualifying homeowners. You must apply for this credit - it is not automatic. Contact the Ohio County Assessor's office for application forms and deadlines.

Q: How often are properties reassessed in Ohio County? A: Indiana law requires reassessment cycles, but frequency can vary. Contact the Ohio County Assessor for the current reassessment schedule and appeal deadlines if you disagree with your assessed value.

Q: What happens if I pay my property taxes late? A: Late payments incur penalties and interest charges. Contact the Ohio County Treasurer's office for specific penalty rates and payment options if you've missed the deadline.

Q: Can I pay property taxes online? A: Check with the Ohio County Treasurer's office for available online payment options and accepted payment methods.

Q: Why is my tax bill different from my neighbor's if our homes are similar? A: Tax bills vary based on assessed value differences and which special taxing districts serve each property. School districts, fire departments, and other services create different tax rates even within the same county.

Q: How do special district taxes affect my bill? A: Beyond the base county rate of 1.10 mills, you pay additional taxes for school districts, fire protection, libraries, and other local services. These rates vary significantly by location within Ohio County, so your total rate depends on which districts serve your specific address.

Verified Sources

Backed by 10 Official Government Sources

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

01
County
datapitstop » Ohio County Government, Indiana » Auditor ...auditor.ohio.in.datapitstop.us
02
Tax Doc
RATES OF TAXATION FOR 2024 (Payable 2025)webapps.lakecountyohio.gov
03
Tax Doc
2025 Certified Tax Rates by Districtin.gov
04
County
treasurer's office: tax due dates - Fairfield Countyco.fairfield.oh.us
05
Tax Doc
Property-Tax Payment Extensions - Economic Developmenteconomicdevelopment.co.delaware.oh.us
06
County
Property Tax Due Date Information - Franklin County Treasurertreasurer.franklincountyohio.gov
07
County
Homestead Exemption | - Geauga County Auditor - Ohio.govauditor.geauga.oh.gov
08
Homestead Exemption Programgreenecountyohio.gov
09
County
Homestead Exemption - Ohio - Lorain County Auditorloraincountyauditor.gov
10
County
Ohio County: Property Tax Calculation - Treasurertreasurer.ohiocounty58.us
All sources verified as of 2025 Tax Year

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