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Updated 2025 Tax Year

Cass County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
1.905% consolidated rate for FY 2024-2025, varies by location within county due to school districts and special taxing districts
Exemptions
5+ Available
Section 1

How Property Tax Works

Property taxes in Cass County, Iowa, serve as the primary funding source for essential local services including public schools, county government operations, emergency services, and infrastructure maintenance. The county operates under Iowa's property tax system where properties are assessed at market value and taxed based on combined levy rates from multiple jurisdictions.

For the FY 2024-2025 tax year, Cass County's consolidated tax rate is 1.905%. However, your actual tax rate may vary depending on your specific location within the county due to different school districts, city boundaries, and special taxing districts such as drainage districts or rural improvement zones. This rate is significantly below Iowa's statewide average, making Cass County relatively affordable for property owners compared to other areas of the state.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
County General0.421%County operations, roads, law enforcement
School District0.984%Local school district operations (varies by district)
City/Township0.285%Municipal services (varies by location)
Agricultural Extension0.035%Iowa State University Extension services
Assessor0.089%Property assessment and administration
Community College0.091%Southwestern Community College district
Total Base Rate1.905%FY 2024-2025 consolidated rate

Note: Rates shown are representative for FY 2024-2025 and may vary by specific taxing districts within Cass County. Additional special assessments may apply for drainage districts, TIF districts, or other improvement zones.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Cass 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 taxes in Cass County are additional property tax bills issued when there are mid-year changes to property ownership, value, or use. Common triggers include new construction completion, change of ownership that removes exemptions, or corrections to the original assessment.

The supplemental tax is calculated by applying the current year's tax rate to the difference between the new assessed value and the original assessed value, prorated for the portion of the tax year remaining. For example, if a $50,000 home addition is completed in January and added to the tax roll, the supplemental tax would be approximately $952 ($50,000 × 1.905%) for the full year. Supplemental tax bills are typically issued within 30-60 days of the triggering event and become delinquent 30 days after issuance.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Homestead Credit Applied: -$4,850 (requires application)
  • Net Taxable Value: $295,150
  • Annual Tax: $295,150 × 1.905% = $5,623
  • Monthly Escrow: $468

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Homestead Credit Applied: -$4,850 (requires application)
  • Military Credit Applied: -$1,852 (if qualified, requires application)
  • Net Taxable Value: $593,298
  • Annual Tax: $593,298 × 1.905% = $11,303
  • Monthly Escrow: $942

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Homestead Credit Applied: -$4,850 (requires application)
  • Net Taxable Value: $995,150
  • Annual Tax: $995,150 × 1.905% = $18,958
  • Monthly Escrow: $1,580

Note: All credits require application and approval. Homestead credit caps assessment increases, not market value.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Cass County require borrowers to maintain an escrow account for property taxes when the loan-to-value ratio exceeds 80%. Your lender will estimate annual property taxes based on the previous year's bill and divide this amount by 12 for your monthly escrow payment. The lender typically maintains a two-month cushion in the account to ensure adequate funds for tax payments.

Property taxes in Cass County are due in two installments: the first half by September 1st and the second half by March 1st of the following year. Your lender will pay these installments directly from your escrow account on your behalf. Each year, your lender conducts an escrow analysis to determine if your monthly payment needs adjustment based on actual tax bills received. You'll receive an annual escrow statement showing all deposits, payments, and any required changes to your monthly escrow amount.

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 Cass County? A: Property taxes for FY 2024-2025 are due in two installments: first half by September 1, 2024 (delinquent October 1), and second half by March 1, 2025 (delinquent April 1).

Q: What is the Homestead Tax Credit and how do I apply? A: The Homestead Tax Credit provides property tax relief for owner-occupied homes by capping assessment increases. You must apply with the County Assessor's office by July 1st for the credit to take effect for the current assessment year. This is NOT automatic and requires annual verification of occupancy.

Q: Are there other tax credits available? A: Yes, Cass County offers several credits including Military Service Tax Credit for qualifying veterans, Elderly/Disabled Tax Credit for income-qualified seniors, and Family Farm Tax Credit for agricultural properties. All require separate applications with specific deadlines and documentation.

Q: How often are properties reassessed? A: Iowa law requires all properties to be assessed annually at market value as of January 1st. Assessment notices are typically mailed in April, with taxpayers having until May 1st to protest valuations to the Board of Review.

Q: What happens if I pay my taxes late? A: Late payments incur a penalty of 1.5% per month on the unpaid balance. After June 1st following the delinquent date, properties may be offered for tax sale with additional fees and interest charges.

Q: Can I pay my property taxes online? A: Yes, Cass County offers online payment through their official website. Payments can be made by electronic check or credit card, though credit card payments may incur processing fees.

Q: Why did my tax bill increase when I didn't make improvements? A: Tax increases can result from rising property values, increased levy rates approved by local governments, or changes in special district assessments. Your individual tax bill reflects both your property's assessed value and the combined tax rates of all jurisdictions where your property is located.

Q: How do special taxing districts affect my bill? A: Properties in Cass County may be subject to additional levies from school districts, cities, drainage districts, or other special assessment areas. These appear as separate line items on your tax statement and vary based on your property's exact location within the county.

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