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Updated 2025 Tax Year

Worcester County
Property Tax Guide

Everything you need to know about property taxes in Worcester 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 1.8% of assessed value (typical range 1.2% to 1.6%)
Exemptions
5+ Available
Section 1

How Property Tax Works

Worcester County property taxes are levied at the municipal level, with each city and town setting its own tax rate to fund essential local services including public schools, police and fire departments, road maintenance, and municipal operations. Property taxes represent the primary revenue source for Worcester County communities, directly supporting the quality of public services and infrastructure that residents depend on daily.

The effective property tax rates across Worcester County municipalities typically range from approximately 1.0% to 1.8% of assessed value, with most communities falling within the 1.2% to 1.6% range. Properties are assessed at full market value with no assessment cap limitations, meaning assessments can increase without restriction based on market conditions. The actual tax burden varies significantly by municipality, as each community determines its own tax rate based on local budget requirements and total assessed valuation within the municipality.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
Municipal Tax Rate$16.29 per $1,000Primary property tax rate for FY2025 covering municipal services, schools, and local government operations
State AssessmentVariesState-mandated assessments for regional services and state obligations
Special DistrictsVaries by LocationAdditional assessments for special service districts such as water, sewer, or improvement districts where applicable
Overlay ReserveIncluded in RateReserve fund for abatements and exemptions built into the municipal tax rate

Note: The $16.29 per $1,000 rate represents the average across Worcester County municipalities. Individual cities and towns set their own rates, which may vary significantly from this figure.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Worcester 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 Worcester County are triggered by changes in property ownership, new construction, or improvements that increase a property's assessed value during the fiscal year. When these events occur after the annual assessment date but before the end of the fiscal year, municipalities issue supplemental tax bills to capture the additional tax revenue for the remaining portion of the year.

The supplemental tax is calculated by determining the difference between the old and new assessed values, applying the current tax rate to this difference, and then prorating the amount based on the remaining months in the fiscal year. For example, if a $100,000 home improvement is completed in January (mid-fiscal year), and the tax rate is $15 per $1,000, the supplemental tax would be $1,500 × (remaining months ÷ 12 months). Property owners must file supplemental tax documentation with assessors by April 1st or within 3 months of receiving actual tax bills if later.

Example Calculation

$300,000 Property:

  • Assessed Value: $300,000
  • Less: Residential Exemption: $0 (varies by municipality)
  • Net Taxable Value: $300,000
  • Tax Rate: $16.29 per $1,000
  • Annual Tax: $4,887
  • Monthly Escrow: $407

$600,000 Property:

  • Assessed Value: $600,000
  • Less: Residential Exemption: $0 (varies by municipality)
  • Net Taxable Value: $600,000
  • Tax Rate: $16.29 per $1,000
  • Annual Tax: $9,774
  • Monthly Escrow: $815

$1,000,000 Property:

  • Assessed Value: $1,000,000
  • Less: Residential Exemption: $0 (varies by municipality)
  • Net Taxable Value: $1,000,000
  • Tax Rate: $16.29 per $1,000
  • Annual Tax: $16,290
  • Monthly Escrow: $1,358

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Section 5

Escrow & Property Taxes

Property tax escrow accounts are commonly required by mortgage lenders in Worcester County to ensure timely payment of property taxes. Lenders collect monthly escrow payments along with principal and interest, depositing funds into a separate escrow account. The monthly escrow amount is calculated by dividing the annual property tax bill by 12, often with an additional cushion to account for potential tax increases.

Most Worcester County municipalities issue tax bills on a semi-annual basis, with payments typically due in December and June. Lenders monitor these due dates and make payments directly to the appropriate municipal tax collector on behalf of the property owner. Property owners should verify that their lender has current contact information for their municipality's tax collector and review their annual escrow analysis statement to ensure adequate funds are being collected for property tax obligations.

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 Worcester County? A: Property taxes are typically due in two installments - the first due December 1st and the second due in June. However, due dates can vary by municipality, so check with your local tax collector.

Q: When does interest begin accruing on unpaid taxes? A: Interest on unpaid property taxes begins accruing on January 1st following the December 1st due date for the first installment.

Q: What exemptions are available for property owners? A: Massachusetts offers various exemptions including the Senior Citizen Property Tax Exemption (requiring 5 years ownership and income under $58,000), Veterans' exemptions, and Homestead Tax Credits for owner-occupied residences.

Q: How do I appeal my property assessment? A: Assessment appeals (abatement applications) must be filed by February 1st following the fiscal year. Contact your local board of assessors for the proper forms and procedures.

Q: Can I pay my property taxes online? A: Most Worcester County municipalities offer online payment options through their websites or third-party payment processors. Check your local tax collector's website for available payment methods.

Q: What happens if I pay my taxes late? A: Late payments incur interest charges starting January 1st, and municipalities may place liens on properties with delinquent taxes. Extended delinquency can result in tax foreclosure proceedings.

Q: How often are properties reassessed? A: Massachusetts requires municipalities to assess properties at full market value annually, though some communities may conduct periodic revaluations to ensure assessments reflect current market conditions.

Q: Who do I contact with questions about my tax bill? A: Contact your municipal tax collector's office for payment-related questions or your local board of assessors for assessment and exemption questions. Each city and town maintains separate offices for these functions.

Q: Are property tax payments deductible on federal income taxes? A: Property taxes are generally deductible on federal income tax returns, subject to current federal limitations on state and local tax deductions. Consult with a tax professional for specific guidance.

Q: What information do I need to apply for a property tax exemption? A: Exemption applications typically require proof of ownership, income documentation, residency verification, and specific eligibility documents depending on the type of exemption requested. Contact your local assessors' office for complete requirements.

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