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Updated 2025 Tax Year

Kennebec County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
Varies by municipality, county portion being reduced for FY 2025-2026, typically around 1% statewide average with municipal additions
Exemptions
4+ Available
Section 1

How Property Tax Works

Kennebec County, Maine operates on a property tax system that funds essential county services including courts, corrections, emergency management, and general administration. Property taxes in Kennebec County are administered at both the municipal and county levels, with the county portion representing a smaller component of your total property tax bill. The county tax rate for FY 2025-2026 is expected to be reduced slightly by the County Commissioners, though the exact rate has not been finalized as budget deliberations continue.

Property tax rates in Kennebec County vary by municipality and special taxing districts within the county boundaries. While Maine's statewide average property tax rate hovers around 1%, actual rates in Kennebec County municipalities can differ significantly based on local budget needs, school district requirements, and special assessments. Property owners should expect their total effective tax rate to include municipal taxes, school taxes, and the county tax levy, with the county portion typically representing the smallest component of the total bill.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
County TaxTBD (Reduced from prior year)Funds county operations, courts, corrections, and emergency services for FY 2025-2026
Municipal TaxVaries by townLocal government services, varies significantly by municipality
School TaxVaries by districtLocal and regional school funding, largest component of most tax bills
Special DistrictsVaries by locationAdditional assessments for fire districts, sewer districts, or other special services

Note: The County Commissioners have indicated the county tax rate will be reduced for FY 2025-2026, but the final rate has not been set. Total effective rates vary significantly by municipality within Kennebec County, ranging from under 1% to over 2% depending on local service levels and special district assessments.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Kennebec 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 Kennebec County are triggered when there are changes in property ownership, new construction, or improvements that increase a property's assessed value during the tax year. These taxes are calculated based on the difference between the old and new assessed values, multiplied by the applicable tax rate, and prorated for the remaining months in the fiscal year.

For example, if you complete a $50,000 home addition in September and your total tax rate is 1.5%, the supplemental tax would be calculated as: $50,000 × 0.015 × (7 months remaining ÷ 12 months) = $437.50. Supplemental tax bills are typically issued within 60-90 days of the assessment change and must be paid by the 60th day after the payment date set by county commissioners to avoid becoming delinquent.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Homestead Exemption Applied: -$25,000
  • Net Taxable Value: $275,000
  • Estimated Tax Rate: 1.4%
  • Annual Tax: $3,850
  • Monthly (if escrowed): $321

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Homestead Exemption Applied: -$25,000
  • Net Taxable Value: $575,000
  • Estimated Tax Rate: 1.4%
  • Annual Tax: $8,050
  • Monthly (if escrowed): $671

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Homestead Exemption Applied: -$25,000
  • Net Taxable Value: $975,000
  • Estimated Tax Rate: 1.4%
  • Annual Tax: $13,650
  • Monthly (if escrowed): $1,138

Note: Homestead exemption requires annual application and is not automatic. Tax rates shown are estimates as FY 2025-2026 rates are not finalized.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Kennebec County require property tax escrow accounts for borrowers with less than 20% equity. Your lender collects 1/12th of your estimated annual property tax bill with each monthly mortgage payment, depositing these funds into an escrow account. The lender then pays your property taxes directly to the municipality when due, typically in two installments.

Escrow accounts are analyzed annually, and lenders may adjust your monthly payment based on actual tax bills and account balances. You'll receive an annual escrow analysis showing all deposits, payments, and any required adjustments. If your property taxes increase significantly, you may face a shortage that requires either a lump-sum payment or increased monthly payments. Property owners should verify that their lender has paid taxes on time, as you remain ultimately responsible for tax payments even when using escrow services.

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 Kennebec County? A: For FY 2025-2026, property taxes are typically due in two installments - the first by June 30, 2025, and the second by December 31, 2025. However, due dates may vary by municipality within the county.

Q: What is the Homestead Exemption and how do I apply? A: The Homestead Exemption reduces your home's assessed value by up to $25,000 for property tax purposes. You must apply annually with your local municipality - it is not automatic. Applications are available at town offices or online through the Maine Revenue Services Property Tax Forms page.

Q: How does the Homestead Exemption work exactly? A: The exemption reduces your assessed value by $25,000, not your tax bill directly. For example, on a $400,000 home, you'd pay taxes on $375,000 instead. This is an exemption that reduces assessed value, not a credit that reduces your final tax bill.

Q: What happens if I pay my taxes late? A: County taxes become delinquent if not paid within 60 days of the payment date set by county commissioners. Late payments incur interest and penalties, and prolonged delinquency can result in tax liens or foreclosure proceedings.

Q: How often are properties reassessed in Kennebec County? A: Assessment schedules vary by municipality within Kennebec County. Most towns conduct revaluations every 5-10 years, though some update assessments more frequently. Contact your local assessor for your municipality's schedule.

Q: Can I appeal my property assessment? A: Yes, you can appeal to your local Board of Assessment Review if you believe your assessment is incorrect. Appeals typically must be filed within specific timeframes after assessment notices are issued - contact your municipal assessor for deadlines and procedures.

Q: Are there other exemptions available besides Homestead? A: Yes, Maine offers various exemptions including Veterans' Exemptions, Blind Exemptions, and exemptions for eligible seniors. Each requires separate application and has specific eligibility requirements. Contact your local assessor for available programs.

Q: Can I pay my property taxes online? A: Online payment options vary by municipality within Kennebec County. Contact your local tax collector or check your municipality's website for available payment methods, which may include online portals, phone payments, or traditional mail-in options.

Q: What are special district taxes? A: Some areas within Kennebec County have additional taxes for services like fire protection, sewer systems, or lighting districts. These appear as separate line items on your tax bill and vary by location within the county.

Q: Do senior citizens get additional tax relief? A: Maine offers various programs for seniors including property tax and rent refund programs and potential exemptions for qualifying low-income seniors. These programs require application and have specific income and residency requirements - contact your local assessor for details.

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