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Updated 2025 Tax Year

Freeborn County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
56.527% certified tax capacity rate (varies significantly by location due to overlapping special districts)
1st Due
May 15
2nd Due
Oct 15
Exemptions
5+ Available
Section 1

How Property Tax Works

Freeborn County, Minnesota operates under the state's property tax system, which serves as the primary funding mechanism for local government services including schools, roads, public safety, and county operations. Property taxes in Freeborn County are administered by the county assessor's office and collected to support various local taxing jurisdictions including the county, cities, townships, school districts, and special service districts.

The effective property tax rate in Freeborn County varies significantly depending on your specific location within the county due to overlapping special taxing districts. For 2025, the certified tax capacity rate is 56.527%, though this represents the gross rate before applying any tax credits or caps. Your actual tax burden will depend on your property's assessed value, applicable tax credits (which require application), and the specific combination of taxing districts that serve your property location. Rates and assessments are subject to annual review and adjustment by the various taxing authorities.

Property owners should note that Minnesota uses a "tax capacity" system rather than direct market value taxation, and most tax relief programs require active application - they are not automatically applied to your tax bill.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
County GeneralVariesFreeborn County operations, roads, services
School DistrictVariesLocal school district operations and bonds
City/TownshipVariesMunicipal services (varies by municipality)
Special DistrictsVariesFire districts, library districts, other special services
Total Certified Rate (2025)56.527%Combined rate before credits/caps

Note: These rates apply to Levy Year 2025 and are applied to your property's tax capacity value, not market value. Your actual rate will vary based on your specific location within Freeborn County due to different combinations of school districts, municipalities, and special service districts. Contact the Freeborn County Assessor's office for your property's specific rate combination.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Freeborn County, property taxes are due in two installments:

First Installment
May 15
Delinquent after Dec 10
Second Installment
Oct 15
Delinquent after Apr 10
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 Freeborn County are additional property tax assessments that occur when there are changes to property ownership, major improvements, or new construction that wasn't included in the regular annual assessment. These taxes bridge the gap between the regular tax year and when changes occur to ensure proper tax collection throughout the year.

Supplemental taxes are calculated by taking the difference between your original assessed value and the new assessed value (due to improvements or corrections), then applying the current tax rate to that difference. The supplemental bill is prorated based on the number of months remaining in the tax year after the change occurred.

For example, if you complete a $50,000 home addition in July that increases your tax capacity by $1,000, and your local tax rate is 50%, you would owe approximately $250 in supplemental taxes (50% of $1,000 × 6 months remaining ÷ 12 months). Supplemental tax bills are typically issued separately from regular property tax bills and have their own payment deadlines.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Tax Capacity Value: ~$30,000 (estimated)
  • Homestead Credit Applied: -$4,500 (requires application)
  • Net Taxable Capacity: $25,500
  • Annual Tax (56.527%): $1,441
  • Monthly Payment: $120

Example 2: $600,000 Home

  • Market Value: $600,000
  • Tax Capacity Value: ~$60,000 (estimated)
  • Homestead Credit Applied: -$4,500 (requires application)
  • Net Taxable Capacity: $55,500
  • Annual Tax (56.527%): $3,137
  • Monthly Payment: $261

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Tax Capacity Value: ~$100,000 (estimated)
  • Homestead Credit Applied: -$4,500 (requires application)
  • Net Taxable Capacity: $95,500
  • Annual Tax (56.527%): $5,398
  • Monthly Payment: $450

Note: These examples use estimated tax capacity values and assume homestead credit eligibility. Actual calculations may vary based on property classification and specific taxing districts. All tax credits require separate application and are not automatically applied.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Freeborn County require property tax escrow accounts, where monthly mortgage payments include funds set aside for property taxes. Your lender collects approximately 1/12 of your annual property tax bill each month, holds these funds in escrow, and pays your property taxes directly to Freeborn County when due.

Property taxes in Minnesota are typically paid in two installments during the year, with due dates varying by county procedures. Your mortgage servicer will receive tax bills directly from the county and should pay them before the due dates to avoid penalties. However, property owners remain ultimately responsible for ensuring taxes are paid on time, even when using escrow accounts.

You should receive an annual escrow analysis from your lender showing the account balance, payments made, and any adjustments needed for the coming year. If your property taxes increase due to assessment changes or rate increases, your monthly escrow payment may be adjusted accordingly. Property owners can verify that taxes have been properly paid by checking with the Freeborn County Treasurer's office or through online payment portals.

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 Freeborn County for 2025? A: Property tax payment schedules vary by county procedures in Minnesota. Contact the Freeborn County Treasurer's office for specific due dates, as some deadlines like November 1st for senior tax deferrals and November 15th for certain personal property taxes have already passed for 2024.

Q: What tax credits are available and do they apply automatically? A: Most tax credits in Freeborn County require application and are NOT automatic. Common credits include the Homestead Credit for primary residences, Senior Citizens Property Tax Deferral, and Disabled Veterans Homestead Market Value Exclusion. You must apply for these credits through the county assessor's office.

Q: How does the Homestead Credit work? A: The Homestead Credit provides tax relief for your primary residence but requires annual application. It limits assessment increases rather than reducing market value directly, and caps the taxable value growth on the first portion of your home's value. You must file homestead paperwork with the county assessor.

Q: When does the county assess properties and how can I appeal? A: Property assessments are typically conducted annually with values determined as of January 2nd each year. If you disagree with your assessment, you can appeal to the Local Board of Appeal and Equalization, typically meeting in April. The deadline to file Tax Court petitions for value disputes is April 30th.

Q: What are the penalties for late property tax payments? A: Minnesota law requires counties to charge penalties and interest on delinquent property taxes. Contact the Freeborn County Treasurer's office for current penalty rates and procedures, as these can accumulate monthly and may lead to tax forfeiture proceedings.

Q: Can I pay property taxes online in Freeborn County? A: Many Minnesota counties offer online payment options for property taxes. Check the Freeborn County website or contact the Treasurer's office to determine available electronic payment methods and any associated convenience fees.

Q: Why do tax rates vary within Freeborn County? A: Your total tax rate depends on all the taxing jurisdictions that serve your property location, including your school district, city or township, and any special service districts like fire protection or library districts. Properties in different areas have different combinations of these jurisdictions.

Q: What triggers a supplemental tax assessment? A: Supplemental taxes are issued when property changes occur mid-year, such as new construction completion, major improvements, ownership transfers with reassessment, or corrections to previous assessments. These ensure proper taxation for the partial year affected by the change.

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