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Updated 2025 Tax Year

Koochiching County
Property Tax Guide

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

9 Official Sources
8 min read
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Quick Facts
Tax Rate
Averages 1% of market value, varies significantly by municipality and special districts within Koochiching County
1st Due
May 15
2nd Due
Oct 15
Exemptions
5+ Available
Section 1

How Property Tax Works

Koochiching County property taxes fund essential local services including schools, county government operations, municipal services, and various special districts. Property owners in Koochiching County pay taxes based on their property's assessed value multiplied by the applicable tax rate, which averages around 1% of market value but varies significantly depending on your specific location within the county.

Your actual property tax rate depends on where your property is located within Koochiching County, as different cities, school districts, and special taxing districts (such as fire districts, library districts, or economic development authorities) may apply additional levies. Properties in International Falls will have different rates than those in rural townships or other municipalities. The county assessor determines your property's market value annually, while various taxing jurisdictions set their levy rates to fund local services and infrastructure.

Section 2

What Makes Up Your Tax Bill

ComponentApproximate RateDescription
County General0.35% - 0.45%County operations, roads, social services
School District0.45% - 0.65%Local school district operations and bonds
Municipal0.10% - 0.25%City/township services (varies by location)
Special Districts0.05% - 0.15%Fire, library, economic development districts
Total Effective Rate0.95% - 1.50%Combined rate varies by location

Note: These rates reflect the FY 2024-2025 levy year and are approximate ranges. Your actual tax rate depends on your specific location within Koochiching County and which special taxing districts serve your property. Contact the Koochiching County Assessor's office for your exact rate breakdown.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Koochiching 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 property taxes in Koochiching County are additional tax bills issued when there are mid-year changes to property ownership, new construction completion, or significant property improvements that weren't included in the original annual assessment. These supplemental taxes ensure that property tax obligations are properly allocated between previous and current property owners.

The most common trigger for supplemental taxes is when new construction or major improvements are completed and added to the tax rolls after the annual assessment date. For example, if you complete a $100,000 home addition in August that wasn't captured in the January assessment, you would receive a supplemental tax bill covering the additional taxes owed from the completion date through the end of the tax year. The supplemental amount would be calculated as: $100,000 (added value) × your local tax rate × remaining months in the tax year ÷ 12 months.

Example Calculation

Example 1: $300,000 Home with Homestead Credit

  • Market Value: $300,000
  • Homestead Credit Applied: -$50,000 reduction in taxable value
  • Net Taxable Value: $250,000
  • Tax Rate: 1.15%
  • Annual Tax: $2,875
  • Monthly Escrow: $239

Example 2: $600,000 Home with Homestead Credit

  • Market Value: $600,000
  • Homestead Credit Applied: -$50,000 reduction in taxable value
  • Net Taxable Value: $550,000
  • Tax Rate: 1.25%
  • Annual Tax: $6,875
  • Monthly Escrow: $573

Example 3: $1,000,000 Home (No Credits)

  • Market Value: $1,000,000
  • Credits Applied: None
  • Net Taxable Value: $1,000,000
  • Tax Rate: 1.35%
  • Annual Tax: $13,500
  • Monthly Escrow: $1,125

Note: Homestead and other credits require annual application and are not automatically applied. Tax rates vary by location within the county.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Koochiching County require borrowers to maintain an escrow account for property tax payments. Your lender collects approximately 1/12 of your estimated annual property tax bill with each monthly mortgage payment, then pays your property taxes directly to the county on the May 15 and October 15 due dates.

Lenders typically conduct an annual escrow analysis to ensure adequate funds are collected based on your current tax bill. If your property taxes increase due to rising assessments or rate changes, your monthly escrow payment will be adjusted accordingly. You should receive an annual escrow statement showing all deposits, payments made on your behalf, and any required payment adjustments. It's important to review your property tax bills even when paid through escrow to verify accuracy and ensure your lender is making timely payments to avoid penalties.

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 Koochiching County for FY 2024-2025? A: Property taxes are due May 15 and October 15. If either date falls on a weekend, taxes are due the following Monday.

Q: What tax credits are available and how do I apply? A: The primary credit is the Homestead Agricultural Credit Aid (HACA), which reduces your taxable value if you qualify as a homestead property. You must file an application with the county assessor by December 15 annually - credits are not automatic.

Q: How does the Homestead credit work? A: The Homestead credit doesn't reduce your property's market value, but it limits how much your taxable value can increase each year (typically capped at 10% growth) and provides a reduction in taxable value. You must apply annually and the property must be your primary residence.

Q: When are properties assessed and how can I appeal? A: Properties are assessed annually as of January 2. Assessment notices are mailed in March. You can appeal by contacting the county assessor or attending the Board of Appeal and Equalization meetings, typically held in April-May.

Q: What are the penalties for late payment? A: Late payments incur penalties and interest charges. Contact the Koochiching County Treasurer for specific penalty rates and payment options if you're behind on taxes.

Q: Can I pay my property taxes online? A: Yes, Koochiching County typically offers online payment options through their official website. Contact the County Treasurer's office for current online payment methods and any associated fees.

Q: Why do tax rates vary within the county? A: Different cities, school districts, and special taxing districts (fire, library, economic development) serve different areas of the county. Your location determines which combination of these districts taxes your property.

Q: What if I disagree with my assessment? A: You can appeal your property's assessed value by contacting the Koochiching County Assessor's office or attending local Board of Appeal and Equalization meetings. Appeals must typically be filed within specific deadlines after assessment notices are mailed.

Verified Sources

Backed by 9 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

01
County
Property Tax Information | Koochiching County, MNco.koochiching.mn.us
02
Tax Doc
Property Tax Calendar for Property Ownersrevenue.state.mn.us
03
County
State Deed/Mortgage Registration Tax - Koochiching Countyco.koochiching.mn.us
04
eo_mn.csvirs.gov
05
County
County Government Revenueco.koochiching.mn.us
06
County
a guide to minnesota's property tax system - Koochiching Countyco.koochiching.mn.us
07
County
koochiching county international falls, minnesota year ended ...co.koochiching.mn.us
08
County
koochiching county international falls, minnesota year ended ...co.koochiching.mn.us
09
October 7, 2024 City Council Minutesci.international-falls.mn.us
All sources verified as of 2025 Tax Year

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