Q: When are property taxes due in Black Hawk County for FY 2025-2026?
A: First half taxes are due September 1, 2025, and become delinquent after September 30. Second half taxes are due March 1, 2026, and become delinquent after March 31.
Q: What tax credits are available and do I need to apply?
A: The main credit is the Homestead Tax Credit ($3,250 for assessment years 2024 and after), plus potential Military Service Tax Credits. All credits require application - they are NOT automatic. Applications must be filed annually.
Q: How does the Homestead Credit work?
A: The Homestead Credit provides up to $3,250 in taxable value reduction and caps assessment increases. You must file an application with the county assessor by July 1st following the assessment year to receive this credit.
Q: When are properties reassessed?
A: Black Hawk County conducts ongoing assessments with formal revaluation cycles. Assessment notices are typically mailed in April, with appeal deadlines in early May.
Q: What are the penalties for late payment?
A: Delinquent taxes incur interest charges and penalties. First half becomes delinquent October 1st, second half becomes delinquent April 1st, with additional fees and interest applied monthly.
Q: Can I pay property taxes online?
A: Yes, Black Hawk County offers online payment options through their treasurer's website. Credit card and electronic check payments are typically accepted with associated processing fees.
Q: Why do tax rates vary within Black Hawk County?
A: Different combinations of school districts, cities, and special taxing districts create varying total tax rates. Properties in Waterloo will have different rates than those in Cedar Falls or rural areas.
Q: How do I appeal my property assessment?
A: Assessment appeals must be filed with the Board of Review by the deadline shown on your assessment notice (typically early May). You'll need evidence supporting your claim that the assessed value is incorrect.
Q: What happens if I don't apply for available tax credits?
A: You'll pay the full tax amount without any credits. Credits like the Homestead Credit can save hundreds of dollars annually but require timely application - they cannot be applied retroactively.
Q: Are there additional exemptions for seniors or disabled veterans?
A: Iowa offers various exemptions for qualifying seniors, disabled veterans, and other special circumstances. Contact the Black Hawk County Assessor's office to determine eligibility and application requirements, as most require annual filing.
