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Updated 2025 Tax Year

Winnebago County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
Varies by district, typically 1% base rate plus local levies for schools, cities, and special districts
Exemptions
5+ Available
Section 1

How Property Tax Works

Winnebago County, Iowa operates under the state's property tax system to fund essential local services including schools, county government operations, emergency services, and infrastructure maintenance. Property taxes in Iowa are calculated based on assessed value multiplied by the applicable tax rate, with Iowa's statewide average effective rate around 1%. However, your actual tax rate in Winnebago County will vary depending on your specific location within the county due to overlapping special taxing districts such as school districts, city services, and rural fire protection districts.

The county assessor determines your property's assessed value, typically at a percentage of market value, while various local government entities set their individual levy rates. Recent data shows that Winnebago County reduced overall tax levies by $58,274, though specific rates for the current fiscal year are still being finalized. Property owners should note that most tax credits and exemptions require annual application and are not automatically applied to your tax bill.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
General County ServicesTBD*Basic county operations, courthouse, administration
Rural County ServicesTBD*Road maintenance, rural fire protection
School District LevyVaries by districtLocal school funding, varies by specific school district
City ServicesVaries by cityMunicipal services (if within city limits)
Emergency ServicesVaries by districtFire, ambulance, emergency management
Drainage DistrictsVaries by locationAgricultural drainage improvements

*Tax rates for FY 2025-2026 are not yet finalized. Historical rates and current year rates can be found on the Winnebago County website or by contacting the county auditor. Rates vary significantly based on your location within the county due to overlapping taxing districts.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Winnebago 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 Winnebago County are additional assessments that may be levied for special circumstances or improvements. These typically occur when there are changes in property ownership, new construction completed during the tax year, or special assessments for infrastructure improvements like road paving or sewer installation. Supplemental taxes are calculated on a pro-rated basis depending on when the triggering event occurred during the fiscal year.

For example, if you complete a home addition valued at $50,000 in January, you may receive a supplemental tax bill for the remaining portion of the fiscal year based on the increased assessed value. To address supplemental tax situations, property owners can contact the County Treasurer at 641-585-4430 or email documentation to treasurer@winnebagocountyiowa.gov for review and calculation assistance.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value: $300,000 (100% assessment ratio)
  • Less: Homestead Tax Credit: -$4,850 (estimated, requires application)
  • Net Taxable Value: $295,150
  • Annual Tax (estimated 1.5% rate): $4,427
  • Monthly Escrow: $369

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value: $600,000
  • Less: Homestead Tax Credit: -$4,850 (requires application)
  • Net Taxable Value: $595,150
  • Annual Tax (estimated 1.5% rate): $8,927
  • Monthly Escrow: $744

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value: $1,000,000
  • Less: Homestead Tax Credit: -$4,850 (requires application)
  • Net Taxable Value: $995,150
  • Annual Tax (estimated 1.5% rate): $14,927
  • Monthly Escrow: $1,244

Note: All tax credits require annual application and rates vary by location within the county.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Winnebago County require property tax escrow accounts to ensure timely payment of property taxes. Your lender will collect monthly payments equal to 1/12 of your estimated annual property tax bill and hold these funds in an escrow account. When your property taxes become due (September 1 for the first half and March 1 for the second half), your lender pays the taxes directly to the County Treasurer on your behalf.

Lenders are required to provide annual escrow statements showing the account balance and projected payments. If your property taxes increase or decrease significantly, your monthly escrow payment may be adjusted accordingly. Property owners should verify that their lender has the correct tax amount, as changes in assessed value or tax rates may not be immediately reflected in escrow calculations. You can verify your current tax liability through the Winnebago County Treasurer's office or online payment portal.

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 Winnebago County for FY 2024-2025? A: The first half is due September 1, 2024, and the second half is due March 1, 2025. Taxes become delinquent one month after each due date (October 1 and April 1 respectively).

Q: What is the Homestead Tax Credit and how do I apply? A: The Homestead Tax Credit is available to property owners who occupy their home as their primary residence. It limits annual assessment increases and provides tax bill reduction. You must file an application with the County Assessor - it is not automatic and must be renewed periodically.

Q: Are there tax credits for senior citizens? A: Yes, property owners 65 years or older on January 1 may qualify for additional tax credits. New applications must be filed with the County Assessor, and income restrictions may apply.

Q: How often are properties reassessed in Winnebago County? A: Iowa law requires properties to be assessed annually, though not all properties receive physical inspections each year. The County Assessor reviews market trends and adjusts assessments accordingly.

Q: What happens if I pay my property taxes late? A: Late payments incur penalties and interest charges. First half taxes become delinquent after October 1, and second half after April 1, with additional penalties accruing monthly.

Q: Can I pay my property taxes online? A: Contact the Winnebago County Treasurer at 641-585-4430 or email treasurer@winnebagocountyiowa.gov for current online payment options and procedures.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the County Board of Review during the specified appeal period, typically in April-May. Contact the County Assessor's office for specific deadlines and procedures.

Q: Why did my tax bill increase even though tax rates went down? A: Even when overall county taxes decrease, individual bills may increase due to rising property values, changes in special district rates, or loss of tax credits that require annual application renewal.

Q: Do all tax credits and exemptions apply automatically? A: No, most tax credits require annual application with the County Assessor. These are not automatically applied and failure to file can result in loss of credits, significantly increasing your tax bill.

Q: How do special taxing districts affect my tax rate? A: Your total tax rate includes levies from multiple entities - county, school district, city (if applicable), and special districts. Rates vary significantly based on your exact location within Winnebago County.

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