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Updated 2025 Tax Year

Franklin County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
1.0% to 1.4% of assessed value, varies by municipality (26 towns/cities)
Exemptions
5+ Available
Section 1

How Property Tax Works

Franklin County, Massachusetts operates under a quarterly property tax system that funds essential local services including public education, municipal operations, emergency services, and infrastructure maintenance. Property taxes are assessed annually based on fair market value as determined by local assessors, with bills typically mailed in July for the upcoming fiscal year. The county's effective tax rate varies significantly by municipality, ranging from approximately 1.0% to 1.4% of assessed value.

Property tax rates in Franklin County vary considerably by location within the county due to different municipal tax rates, school district assessments, and special taxing districts. Each of the county's 26 towns and cities sets its own tax rate based on local budget requirements and property values. Property owners should verify their specific tax rate with their local assessor's office, as rates can differ substantially between neighboring communities within Franklin County.

Section 2

What Makes Up Your Tax Bill

ComponentRate RangeDescription
Municipal Tax$8.50-$12.00 per $1,000Funds town/city operations, public safety, infrastructure
School Assessment$6.00-$10.00 per $1,000Local school district operations and capital improvements
County Assessment$0.50-$1.00 per $1,000Franklin County government services
Special Districts$0.25-$2.00 per $1,000Fire districts, water districts, library districts (varies by location)
Total Effective Rate$15.25-$25.00 per $1,000Combined rate varies by municipality and special districts

Rates shown are estimates for FY 2025-2026 and vary significantly by municipality within Franklin County. Contact your local assessor for exact rates applicable to your property location and any special district assessments.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Franklin 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 property taxes in Franklin County are triggered by changes in property ownership, completion of new construction, or major improvements that increase a property's assessed value during the tax year. When these events occur, the assessor calculates the difference between the old and new assessed values, applies the current tax rate, and prorates the additional tax based on the remaining months in the fiscal year.

For example, if you complete a $50,000 home addition in January and your local tax rate is $18.50 per $1,000 of assessed value, your supplemental tax would be approximately $462.50 ($50,000 ÷ 1,000 × $18.50) prorated for the remaining four months of the fiscal year, resulting in a supplemental bill of about $154. Supplemental tax bills are typically mailed within 30-60 days of the triggering event and become due upon receipt.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Homestead Credit Applied: -$500 (reduces tax bill, requires application)
  • Net Taxable Value: $300,000
  • Tax Rate: $18.00 per $1,000
  • Annual Tax: $5,400 - $500 = $4,900
  • Monthly Escrow: $408

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Homestead Credit Applied: -$500 (reduces tax bill, requires application)
  • Senior Circuit Breaker Credit: -$1,200 (if eligible, requires application)
  • Net Taxable Value: $600,000
  • Tax Rate: $16.50 per $1,000
  • Annual Tax: $9,900 - $1,700 = $8,200
  • Monthly Escrow: $683

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Homestead Credit Applied: -$500 (reduces tax bill, requires application)
  • Net Taxable Value: $1,000,000
  • Tax Rate: $15.25 per $1,000
  • Annual Tax: $15,250 - $500 = $14,750
  • Monthly Escrow: $1,229

All tax credits shown require annual application and eligibility verification. Contact your local assessor for available credits and application procedures.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Franklin County require property tax escrow accounts for borrowers with less than 20% down payment or those who request escrow services. Lenders collect monthly payments equal to 1/12th of the annual property tax bill plus a small cushion, typically 2-3 months of payments. The lender pays property taxes directly to the municipal collector on the quarterly due dates: August 1, November 1, February 1, and May 1.

Property owners with escrow accounts should review their annual escrow analysis statement carefully, as tax increases or decreases will affect monthly mortgage payments. If your property taxes increase significantly due to reassessment or new construction, your lender may require an immediate escrow shortage payment or increase your monthly payment accordingly. You can verify that your lender has made timely tax payments by checking with your municipal treasurer/collector's office or through online payment portals where available.

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 Franklin County? A: Property taxes are due quarterly on August 1, November 1, February 1, and May 1 for FY 2025-2026. The next due date is May 1, 2025.

Q: What tax credits are available and do they require application? A: Available tax credits include Homestead Credit (~$500 annually), Senior Circuit Breaker Credit (up to $1,500), Veterans Credit, and Blind Person Credit. ALL credits require annual application through your local assessor's office.

Q: How does the Homestead Credit work? A: The Homestead Credit provides protection by limiting annual assessment increases and offers a small tax credit. You must file a one-time application with your local assessor. This credit caps assessment growth rather than reducing market value.

Q: How often are properties reassessed? A: Massachusetts requires communities to reassess properties every three years, though some municipalities may reassess annually. Contact your local assessor for your community's reassessment schedule.

Q: What are the penalties for late payment? A: Late payments incur interest charges of 16% annually from the due date, plus potential additional fees. Unpaid taxes may result in tax liens after six months.

Q: Can I pay property taxes online? A: Most Franklin County municipalities offer online payment options through their websites or third-party services. Check your tax bill or municipal website for available payment methods.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with your local Board of Assessors within 30 days of receiving your tax bill, typically by October 1st for most communities.

Q: What special district taxes might apply to my property? A: Depending on location, you may pay additional taxes for fire districts, water districts, library districts, or other special services. These vary significantly by municipality and are listed separately on your tax bill.

Q: Do senior citizens qualify for additional tax relief? A: Yes, seniors may qualify for Circuit Breaker Credits, senior exemptions, or deferrals based on income and age requirements. Applications are required annually through your local assessor's office.

Q: What happens if I can't afford my property tax bill? A: Contact your municipal treasurer/collector immediately to discuss payment plans or hardship options. Some communities offer tax deferral programs for qualifying seniors or disabled residents.

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