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Updated 2025 Tax Year

Oxford County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
12-20 mills (1.2%-2.0% of assessed value), varies by municipality within Oxford County
Exemptions
6+ Available
Section 1

How Property Tax Works

Oxford County, Maine operates under a decentralized property tax system where individual municipalities within the county assess and collect property taxes to fund local services including schools, municipal operations, road maintenance, and emergency services. Property taxes are the primary source of revenue for local governments in Oxford County, with the state providing additional funding through revenue sharing programs.

Property tax rates in Oxford County vary significantly by municipality, typically ranging from approximately 12 to 20 mills (1.2% to 2.0% of assessed value). The actual tax rate you pay depends on your specific location within Oxford County, as each town and city sets its own mill rate based on local budget needs and property values. Additional special taxing districts for services like fire protection, water districts, or economic development zones may result in supplemental assessments beyond the base municipal rate.

Properties in Oxford County are assessed at 100% of fair market value, with reassessments conducted on varying schedules depending on the municipality. The Maine Revenue Services oversees assessment standards statewide, but local assessors determine individual property values based on recent sales data, property characteristics, and market conditions.

Section 2

What Makes Up Your Tax Bill

ComponentRate RangeDescription
Municipal Operations3-6 millsGeneral government services, public safety, roads
Education8-12 millsLocal school district funding (largest component)
County Assessment0.5-1 millOxford County government services
Special Districts0-3 millsFire districts, water/sewer, economic development
Total Effective Rate12-20 millsCombined rate varies by municipality

Note: Rates shown are estimates for FY 2025-2026. Exact mill rates vary by municipality within Oxford County. One mill equals $1 per $1,000 of assessed value. The 2025 official property tax rates have not yet been released - check with your local municipal office or the Maine Revenue Services website for current rates specific to your town.

Special taxing districts within municipalities can add additional assessments. For example, properties within designated fire districts or economic development zones may face supplemental taxes beyond the base municipal rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Oxford 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 Oxford County are additional property tax bills issued when there are mid-year changes to property ownership, value, or tax-exempt status. The most common trigger is new construction or major improvements completed after the annual assessment date but before the end of the tax year.

Supplemental taxes are calculated by applying the current mill rate to the additional assessed value created by the improvement. For example, if you complete a $50,000 home addition in a municipality with a 15-mill rate, your supplemental tax would be approximately $750 ($50,000 × 0.015). The supplemental bill covers the period from when the improvement was completed through the end of the current tax year.

These supplemental assessments are typically issued within 30-60 days after the assessor becomes aware of the change, either through building permits, inspections, or ownership transfers. Property owners receive a separate bill for supplemental taxes with specific due dates, usually 30 days from the issue date.

Example Calculation

Example 1: $300,000 Home (15-mill rate)

  • Assessed Value: $300,000
  • Homestead Credit Applied: -$25,000 (requires application)
  • Net Taxable Value: $275,000
  • Annual Tax: $275,000 × 0.015 = $4,125
  • Monthly Escrow: $344

Example 2: $600,000 Home (15-mill rate)

  • Assessed Value: $600,000
  • Homestead Credit Applied: -$25,000 (requires application)
  • Net Taxable Value: $575,000
  • Annual Tax: $575,000 × 0.015 = $8,625
  • Monthly Escrow: $719

Example 3: $1,000,000 Home (15-mill rate)

  • Assessed Value: $1,000,000
  • Homestead Credit Applied: -$25,000 (requires application)
  • Net Taxable Value: $975,000
  • Annual Tax: $975,000 × 0.015 = $14,625
  • Monthly Escrow: $1,219

Note: Homestead credit reduces taxable assessed value and requires annual application by April 1st. Additional credits may be available for veterans, seniors, or disabled persons but require separate applications. Actual mill rates vary by municipality within Oxford County.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Oxford County require property tax escrow accounts for loans with less than 20% down payment. Your lender collects monthly property tax payments along with your mortgage payment and holds these funds in an escrow account to pay your annual tax bills when due.

Oxford County municipalities typically issue tax bills in early fall, with payment due dates of November 15th for the first half and May 15th for the second half of the following year. Lenders generally pay the full annual amount when the first installment is due in November to avoid potential interest charges on the second payment.

Your lender will provide an annual escrow analysis showing the projected property tax payments and any required adjustments to your monthly escrow amount. Since property tax rates and assessments can change annually, your monthly escrow payment may increase or decrease each year. If your account has a shortage, the lender may require additional payments or spread the shortage over 12 months.

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 Oxford County for FY 2025-2026? A: Most municipalities in Oxford County have tax bills due November 15, 2025 (first half) and May 15, 2026 (second half). Some towns may have different schedules, so check with your local tax collector.

Q: What tax credits are available and do they require applications? A: The Homestead Credit reduces taxable value by up to $25,000 and requires application by April 1st annually. Additional credits include Veterans' Credits, Blind Person's Credit, and renewable energy equipment credits - all require separate applications and have specific deadlines.

Q: How does the Homestead Credit work? A: The Homestead Credit caps your assessed value increases to protect against rapid property value growth. It requires you to file an application with your local assessor by April 1st each year and only applies to your primary residence.

Q: How often are properties reassessed in Oxford County? A: Reassessment schedules vary by municipality. Most towns conduct full revaluations every 8-10 years, with annual adjustments based on market trends. Check with your local assessor for your town's specific schedule.

Q: What are the penalties for late property tax payments? A: Late payments typically incur interest charges of 7-9% annually, starting the day after the due date. Some municipalities may also charge flat late fees. Unpaid taxes can result in tax liens being placed on the property.

Q: Can I pay my property taxes online? A: Many Oxford County municipalities offer online payment options through their websites or third-party services. Contact your local tax collector or check your municipality's website for available payment methods.

Q: How do I appeal my property assessment? A: File an appeal with your local Board of Assessment Review within 185 days of receiving your tax bill. If unsatisfied with that decision, you can appeal to the Maine State Board of Property Tax Review within 30 days.

Q: What happens if I disagree with a supplemental tax bill? A: You can appeal supplemental assessments using the same process as regular assessments. Contact your local assessor first to discuss the basis for the supplemental tax, then file with the Board of Assessment Review if needed.

Q: Are there property tax relief programs for seniors or low-income residents? A: Maine offers a Property Tax Deferral Program for eligible seniors and disabled residents. Additionally, some municipalities have local tax relief programs. Contact your local assessor to learn about available programs and application requirements.

Q: How do special district taxes work? A: Properties located within special taxing districts (fire, water, economic development) receive additional tax bills beyond the regular municipal tax. These appear as separate line items and fund specific services within the district boundaries.

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