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Updated 2025 Tax Year

Barnstable County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
0.65% to 0.70% of assessed value, varies by municipality and special districts
Exemptions
6+ Available
Section 1

How Property Tax Works

Barnstable County, located on Cape Cod in Massachusetts, operates under the state's property tax system where local municipalities assess and collect taxes to fund essential services including schools, public safety, infrastructure, and municipal operations. The county encompasses 15 towns, each with its own tax rate and assessment practices. Property taxes in Barnstable County are based on the full cash value of real estate as of January 1st each year, with effective tax rates typically ranging from approximately 0.65% to 0.70% of assessed value, though this varies significantly by municipality and special taxing districts.

Property owners should note that actual tax rates vary considerably within Barnstable County due to different municipal needs, school district funding requirements, and special taxing districts. Each town sets its own tax rate annually based on its approved budget and total assessed property values. The county also imposes a Real Estate Transfer Fee of $3.06 per $1,000 of property value upon sale or transfer, which helps fund the AquiFund for water quality protection initiatives.

Section 2

What Makes Up Your Tax Bill

ComponentRate RangeDescription
Municipal Base Rate$5.94-$6.94 per $1,000Varies by town; funds local government services
Residential Rate (FY 2025)~$6.65-$6.94 per $1,000Rate for residential properties in most towns
Commercial Rate (FY 2025)~$5.94 per $1,000Rate for commercial/industrial properties
School District AssessmentIncluded in base rateVaries significantly by local school district needs
Special DistrictsVaries by locationFire districts, water districts, other special assessments
County AssessmentMinimalCounty government operations

Note: These rates are for FY 2025 and vary by specific municipality within Barnstable County. Each of the 15 towns sets its own rate annually. Properties may be subject to additional special district assessments depending on location.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Barnstable 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 Barnstable County are additional property tax assessments that occur when there are changes to property ownership, improvements, or corrections to the original assessment during the fiscal year. The most common triggers include new construction completion, major renovations that increase property value, subdivision of land, or ownership transfers that reveal previously unassessed improvements.

When a supplemental assessment is issued, the additional tax is calculated by applying the current tax rate to the increased assessed value, prorated for the remaining months in the fiscal year. For example, if a $100,000 home addition is completed in January and the local tax rate is $6.80 per $1,000, the supplemental tax would be approximately $680 for the full year, but prorated to reflect only the months remaining in the fiscal year when the improvement was completed.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Homestead Exemption Applied: Up to $125,000 protection (creditor protection only)
  • Residential Exemption (if qualified): Up to $1,468 tax credit
  • Net Taxable Value: $300,000
  • Tax Rate: $6.80 per $1,000
  • Annual Tax: $2,040
  • Less Residential Exemption Credit: -$1,468 (if qualified and applied for)
  • Net Annual Tax: $572 - $2,040
  • Monthly Escrow: $48 - $170

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Homestead Exemption Applied: Up to $125,000 protection (creditor protection only)
  • Residential Exemption Credit: Up to $1,468 (if qualified and applied for)
  • Net Taxable Value: $600,000
  • Tax Rate: $6.80 per $1,000
  • Annual Tax: $4,080
  • Less Residential Exemption Credit: -$1,468 (if qualified)
  • Net Annual Tax: $2,612 - $4,080
  • Monthly Escrow: $218 - $340

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Homestead Exemption Applied: Up to $125,000 protection (creditor protection only)
  • Residential Exemption Credit: Up to $1,468 (if qualified and applied for)
  • Net Taxable Value: $1,000,000
  • Tax Rate: $6.80 per $1,000
  • Annual Tax: $6,800
  • Less Residential Exemption Credit: -$1,468 (if qualified)
  • Net Annual Tax: $5,332 - $6,800
  • Monthly Escrow: $444 - $567

Note: All tax credits require separate application and qualification. Rates shown are estimates based on FY 2025 data.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Barnstable County require borrowers to maintain an escrow account for property tax payments, particularly when the loan-to-value ratio exceeds 80%. Lenders typically collect 1/12 of the annual property tax bill with each monthly mortgage payment, plus an additional cushion of up to two months' worth of taxes as required by federal law. The lender then pays the property taxes directly to the municipality on the due dates.

Property taxes in Barnstable County are typically due on August 1st and November 3rd for the first and second quarters respectively, though specific due dates may vary by municipality. Lenders usually pay these bills several days before the due date to ensure timely payment and avoid penalties. Property owners should verify their escrow account annually by reviewing the escrow analysis statement provided by their lender, which details the projected tax payments and any required adjustments to monthly escrow contributions based on actual tax bills and assessed value changes.

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 Barnstable County for FY 2025? A: Property tax due dates are typically August 1st and November 3rd, though specific dates may vary by municipality within Barnstable County. Check with your local town assessor for exact due dates.

Q: What tax credits are available to homeowners in Barnstable County? A: The primary tax credit available is the Residential Exemption, which can provide up to $1,467.94 in tax savings for qualified homeowners (based on FY 2024 data). This credit requires application and the property must be your primary residence as used for income tax purposes. You must have owned the property on January 1st of the assessment year.

Q: Is the Homestead Exemption automatic? A: No, while Massachusetts provides an automatic homestead exemption of $125,000, this is primarily for creditor protection and does not reduce your tax bill. The Residential Exemption that actually reduces taxes requires a separate application to your local assessor's office.

Q: How often are properties reassessed in Barnstable County? A: Massachusetts requires municipalities to assess properties at full and fair cash value annually as of January 1st. However, not all properties are physically inspected each year. Major reassessments or revaluations typically occur every 3-5 years depending on the municipality.

Q: What are the penalties for late property tax payments? A: Late payment penalties typically include interest charges that accrue from the due date. Rates and specific penalties vary by municipality within Barnstable County. Contact your local tax collector for specific penalty information.

Q: Can I pay my property taxes online? A: Most municipalities in Barnstable County offer online payment options through their official websites or third-party payment processors. Check with your specific town's tax collector office for available online payment methods and any associated convenience fees.

Q: How do I appeal my property assessment? A: Property assessment appeals must typically be filed with the local Board of Assessors within specific timeframes, usually by January or February following the assessment. If unsatisfied with the local decision, you can appeal to the Massachusetts Appellate Tax Board.

Q: What is the Residential Exemption and how do I qualify? A: The Residential Exemption is a tax credit (not an exemption from assessed value) available in municipalities that adopt it. In Barnstable, it can provide up to 35% exemption for qualified residents, saving up to approximately $1,468 annually. You must apply with the assessor's office, use the property as your primary residence for tax purposes, and have owned it on January 1st of the assessment year.

Q: Are there special district taxes in addition to regular property taxes? A: Yes, depending on your property location, you may be subject to additional assessments from fire districts, water districts, or other special taxing districts. These appear as separate line items on your tax bill and vary by location within Barnstable County.

Q: What triggers a supplemental tax assessment? A: Supplemental assessments typically occur due to new construction completion, major renovations, property transfers, or corrections to the original assessment. The supplemental tax is prorated based on when the change occurred during the fiscal year.

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