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Updated 2025 Tax Year

Ripley County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
0.8% to 1.4% of assessed value, varies by taxing district and location
1st Due
May 10
2nd Due
Nov 10
Exemptions
5+ Available
Section 1

How Property Tax Works

Ripley County, Indiana operates on a property tax system that serves as the primary funding mechanism for local government services, including schools, roads, public safety, and county operations. Property taxes in Ripley County are calculated based on assessed property values and applied tax rates that vary significantly depending on your specific location within the county due to different special taxing districts, school corporations, and municipal boundaries.

The effective property tax rate in Ripley County typically ranges from approximately 0.8% to 1.4% of assessed value, though this varies considerably based on which taxing districts apply to your specific property location. Indiana uses a gross assessed value system with various tax credits available to qualifying property owners, though most credits require formal application and are not automatically applied. Property owners should expect rate variations based on their local school district, municipal services, and any special assessment districts that may apply to their area.

Section 2

What Makes Up Your Tax Bill

ComponentRate RangeDescription
County General0.245Basic county operations and services
Road & Bridge0.245County road maintenance and infrastructure
School Corporation0.400-0.800Varies by district (South Ripley, Jac-Cen-Del, etc.)
Municipal0.100-0.400City/town services (varies by municipality)
Library0.050-0.100Public library system funding
Fire/EMS Districts0.050-0.200Emergency services (varies by district)
Special AssessmentsVariesDrainage, lighting, or improvement districts

Note: These rates are estimates for FY 2025-2026 as final rates are pending budget approval. Actual rates vary significantly by property location within Ripley County due to overlapping taxing districts. Contact the Ripley County Auditor for specific rates applicable to your property address.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Ripley 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 Ripley County are additional tax assessments that occur when there are changes to property ownership, value, or improvements outside of the regular annual assessment cycle. Common triggers include new construction, major renovations, property transfers, or corrections to previous assessments. When supplemental taxes are issued, they are calculated based on the difference between the old and new assessed values, prorated for the portion of the tax year affected.

For example, if you complete a $50,000 home addition in July, the county assessor will issue a supplemental assessment for the increased value. The supplemental tax would apply to the additional assessed value for the remaining months of that tax year. You would receive a separate supplemental tax bill in addition to your regular property tax bill, with its own payment due dates typically 30-60 days from the notice date.

Example Calculation

Example 1: $300,000 Property

  • Gross Assessed Value: $300,000
  • Homestead Standard Credit: -$45,000
  • Net Taxable Value: $255,000
  • Estimated Tax Rate: 1.1%
  • Annual Tax: $2,805
  • Monthly Escrow: $234

Example 2: $600,000 Property

  • Gross Assessed Value: $600,000
  • Homestead Standard Credit: -$45,000
  • Over-65 Credit (if applicable): -$12,480
  • Net Taxable Value: $542,520
  • Estimated Tax Rate: 1.2%
  • Annual Tax: $6,510
  • Monthly Escrow: $543

Example 3: $1,000,000 Property

  • Gross Assessed Value: $1,000,000
  • Homestead Standard Credit: -$45,000
  • Net Taxable Value: $955,000
  • Estimated Tax Rate: 1.3%
  • Annual Tax: $12,415
  • Monthly Escrow: $1,035

Note: All tax credits shown require application to the County Auditor and are not automatically applied. Rates vary by specific location within the county.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Ripley County require property tax escrow accounts for properties with less than 20% down payment or upon borrower request. Your lender collects monthly payments equal to 1/12th of your annual property tax bill plus insurance premiums. Lenders typically maintain a cushion of 2-6 months of payments to ensure adequate funds for tax payments.

Property taxes in Ripley County are paid semi-annually with due dates of May 11 and November 10. Your lender will make these payments directly to the Ripley County Treasurer on your behalf. You should receive an annual escrow analysis from your lender showing the previous year's activity and any adjustments needed for the coming year. If your property taxes increase due to reassessment or rate changes, your monthly escrow payment will be adjusted accordingly, usually with a 60-day notice from your lender.

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 Ripley County? A: Property taxes for the 2025-2026 tax year are due May 11, 2026 and November 10, 2026. A service fee applies for all payments.

Q: What is the Homestead Standard Credit and how do I apply? A: The Homestead Standard Credit reduces your tax bill by applying to the lesser of $45,000 or 60% of gross assessed value on your primary residence. You must apply with the County Auditor - it's not automatic.

Q: Are there other tax credits available in Ripley County? A: Yes, including Over-65 Credit, Disabled Veterans Credit, and Blind/Disabled Credit. All require application to the County Auditor with supporting documentation and have specific deadline requirements.

Q: How often are properties reassessed in Ripley County? A: Indiana conducts annual assessments, though not all properties are physically inspected each year. You'll receive a Form 11 notice if your assessment changes significantly.

Q: How do I appeal my property assessment? A: File an appeal with the County Property Tax Assessment Board of Appeals within 45 days of receiving your assessment notice. Contact the County Assessor's office for forms and procedures.

Q: What are the penalties for late payment? A: Indiana law provides for penalties and interest on delinquent property taxes. Contact the Ripley County Treasurer for specific penalty rates and collection procedures.

Q: Can I pay property taxes online? A: Check with the Ripley County Treasurer's office for available online payment options and any associated service fees.

Q: Why do property tax rates vary within Ripley County? A: Tax rates depend on which school district, municipality, fire district, and other special taxing units serve your specific property location. Properties in different areas of the county receive services from different combinations of these entities.

Q: What deadline applies for homestead and other credit applications? A: Most property tax credit applications must be filed by specific annual deadlines. Contact the Ripley County Auditor for current application deadlines and required documentation.

Q: How do special assessment districts affect my tax bill? A: Special districts for drainage, road improvements, or other infrastructure projects add additional tax rates. These vary by location and are listed separately on your tax bill when applicable.

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