Q: When are property taxes due in St. Joseph County?
A: Property taxes are due in two installments: May 10, 2026 and November 10, 2026 for the current fiscal year. Payments can be made online, by mail, or in person at the County Treasurer's office.
Q: What homestead tax credits are available and do I need to apply?
A: The standard homestead deduction provides up to $45,000 reduction in assessed value and requires annual application by May 10. Additional credits include the supplemental homestead deduction (up to $35,000 additional) and over-65 deduction ($12,480) - all require separate applications and qualification.
Q: How does the homestead credit work?
A: The homestead credit caps your assessed value increases to no more than 5% annually for qualified properties. This doesn't reduce your home's market value but limits assessment growth for tax purposes. You must file annually and live in the property as your primary residence.
Q: How often are properties reassessed in St. Joseph County?
A: Properties are assessed annually based on market trends and sales data. The County Assessor's office reviews assessment notices in March, with appeal deadlines typically in May for the following year's taxes.
Q: What are the penalties for late property tax payments?
A: A 10% penalty is added to unpaid taxes after the May 10 and November 10 due dates, plus additional interest charges. Properties with extended delinquency may be subject to tax sale proceedings.
Q: Can I pay my property taxes online?
A: Yes, St. Joseph County offers online payment options through the Treasurer's website, accepting credit cards, debit cards, and electronic bank transfers. A convenience fee may apply for electronic payments.
Q: Why is my tax rate different from my neighbor's?
A: Tax rates vary by location within St. Joseph County based on the combination of school districts, fire departments, library districts, and other special taxing units that serve your specific address. Different areas have different service providers and tax rates.
Q: How do I apply for property tax exemptions?
A: Applications for tax credits and exemptions must be filed annually with the County Assessor's office by May 10. Required forms include the homestead application (Form 322), over-65 application, and any applicable disability or veteran exemption forms.
Q: What if I disagree with my property assessment?
A: You can file an appeal with the County Property Tax Assessment Board of Appeals by the published deadline (typically in May). Appeals require Form 130 and supporting documentation such as comparable sales or professional appraisals.
Q: Are there special tax rates for agricultural or business property?
A: Yes, agricultural land may qualify for special assessment rates, and business personal property has different assessment schedules. Contact the County Assessor's office for specific applications and qualification requirements for these special classifications.
