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Updated 2025 Tax Year

Allen County
Property Tax Guide

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

10 Official Sources
8 min read
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Quick Facts
Tax Rate
Approximately 3% local rate plus state rates (varies by property type and special districts)
1st Due
Nov 1
2nd Due
May 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Allen County, Kentucky operates under the state's property tax system where taxes are assessed annually based on property values as of January 1st. Property taxes fund essential local services including schools, county government operations, emergency services, and infrastructure maintenance. The county's property tax rate for 2025 is approximately 3% for local taxes, which combines with state tax rates that vary by property type to determine your total tax burden.

Your actual property tax rate will depend on your specific location within Allen County, as various special taxing districts impose additional assessments for services like fire protection, library services, or special improvement districts. Property owners should verify their exact tax rate by checking which special districts apply to their property, as rates can vary significantly between different areas of the county. The Kentucky assessment system uses fair cash value as the basis for taxation, with most residential properties assessed at 100% of market value.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
Allen County GeneralVariesBasic county operations and services
School DistrictVariesLocal school district funding
State TaxVaries by property typeKentucky state property tax
Special DistrictsVaries by locationFire protection, library, other local services
Total Local Rate (2025)~3.0%Combined local rate excluding state taxes

Note: These rates apply to the 2025 tax year (assessed January 1, 2025, billed in fall 2025). Actual rates vary significantly based on your property's location within specific taxing districts in Allen County. Motor vehicles are subject to additional state taxation. Contact the Allen County Property Valuation Administrator for your exact rate breakdown.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Allen County, property taxes are due in two installments:

First Installment
Nov 1
Delinquent after Dec 10
Second Installment
May 1
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 tax assessments in Allen County occur when property ownership changes or when new construction/improvements are completed after the January 1st assessment date. These supplemental bills cover the difference between the previous assessment and the new assessed value, prorated for the remaining months in the tax year.

For example, if you purchase a home in June that was previously assessed at $200,000 but now has a fair market value of $300,000, you would receive a supplemental tax bill for the additional $100,000 in assessed value, calculated for the 7 months remaining in the tax year (June through December). Similarly, if you complete a home addition or major renovation after January 1st, the increased property value triggers a supplemental assessment for the partial year.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Less: Homestead Exemption: -$49,100 (if qualified and applied)
  • Net Taxable Value: $250,900
  • Annual Tax (3% rate): $7,527
  • Monthly Escrow: $627

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Less: Homestead Exemption: -$49,100 (if qualified and applied)
  • Net Taxable Value: $550,900
  • Annual Tax (3% rate): $16,527
  • Monthly Escrow: $1,377

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Less: Homestead Exemption: -$49,100 (if qualified and applied)
  • Net Taxable Value: $950,900
  • Annual Tax (3% rate): $28,527
  • Monthly Escrow: $2,377

Note: Homestead exemption requires application and qualification. Actual rates vary by special taxing districts. These examples use the approximate 3% local rate and do not include state taxes.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Allen County require property tax escrow accounts to ensure timely payment of property taxes. Your lender collects 1/12 of your estimated annual tax bill with each monthly mortgage payment, then pays your property taxes directly to Allen County when they become due in November.

Property tax bills are typically issued in October and are due November 1st with a 2% discount for early payment, or November 15th without discount. Your lender should receive and pay these bills automatically. However, you should verify that payments are made correctly and on time, as you remain ultimately responsible for ensuring your property taxes are paid. If you receive supplemental tax bills for new construction or ownership changes, notify your lender immediately as these may not be included in your regular escrow calculation and may require separate payment.

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 Allen County property taxes due for 2025? A: Property taxes are due November 1, 2025 (with 2% discount) or November 15, 2025 (without discount). Delinquent taxes incur penalties starting January 1, 2026.

Q: What tax credits are available and do I need to apply? A: The primary credit is the homestead exemption of $49,100 for tax years 2025-2026, which reduces your assessed value. You must apply for this exemption - it is not automatic. Additional exemptions may be available for seniors (65+) or disabled property owners.

Q: How does the homestead exemption work? A: The homestead exemption reduces your property's assessed value by $49,100, not your tax bill directly. You must apply with the Allen County Property Valuation Administrator. This exemption applies only to your primary residence.

Q: When are properties assessed and how can I appeal? A: Properties are assessed as of January 1st each year. Public inspection of tax rolls occurs for 13 days beginning the first Monday in May. You can schedule conferences with the PVA during this period to discuss your assessment.

Q: What are the penalties for late payment? A: Penalties begin accruing January 1st for unpaid taxes. Delinquent properties may be subject to tax sale - the 2024 delinquent tax sale is scheduled for August 21, 2025.

Q: Can I pay property taxes online? A: Contact the Allen County Sheriff's Office or check the Allen County government website for current online payment options and accepted payment methods.

Q: Do special districts affect my tax rate? A: Yes, your location determines which special taxing districts apply to your property (fire protection, library services, etc.), which can significantly impact your total tax rate beyond the base county rate.

Q: How do I find my exact tax rate? A: Contact the Allen County Property Valuation Administrator at the courthouse to determine which specific taxing districts apply to your property, as rates vary throughout the county.

Verified Sources

Backed by 10 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

01
Tax Doc
Motor Vehicle Property Tax Rates 2025revenue.ky.gov
02
Tax Doc
COMMONWEALTH OF KENTUCKY PROPERTY TAX RATESrevenue.ky.gov
03
Tax Doc
2025-2026 Tax Schedule.pdf.insurance.ky.gov
04
Tax Doc
KENTUCKY PROPERTY TAX CALENDARrevenue.ky.gov
05
Tax Doc
Delinquent Taxesallencountyclerk.ky.gov
06
Tax Doc
The Collection Process for Property Tax Billsrevenue.ky.gov
07
Homestead Exemption - Department of Revenue - Kentucky.govrevenue.ky.gov
08
Tax Doc
Property Tax Exemptions - Department of Revenuerevenue.ky.gov
09
record(20-1-2026).docxapps.legislature.ky.gov
10
Delinquent Property Listing 8-2allencounty.in.gov
All sources verified as of 2025 Tax Year

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