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Updated 2025 Tax Year

Winona County
Property Tax Guide

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

8 Official Sources
8 min read
Quick Facts
Tax Rate
1.0% to 1.3% of market value, varies by taxing jurisdictions within county
Exemptions
5+ Available
Section 1

How Property Tax Works

Winona County, Minnesota operates under a property tax system that funds essential local services including schools, roads, public safety, and county operations. Property taxes are assessed annually based on the estimated market value of your property as of January 2nd, with taxes levied against a portion of that market value. The effective tax rate in Winona County typically ranges from 1.0% to 1.3% of market value, though this varies significantly based on your specific location within the county.

Your actual tax rate depends on which taxing jurisdictions your property falls within, including the county levy, school district, city or township, and any special taxing districts such as watershed districts or special service areas. Each jurisdiction sets its own levy, which combined with others determines your total property tax bill. Unlike some states, Minnesota has no statewide assessment cap, meaning your assessed value can increase without limitation based on market conditions.

Section 2

What Makes Up Your Tax Bill

The following represents typical tax rate components for FY 2025-2026 in Winona County (rates vary by specific location and taxing districts):

ComponentApproximate RateDescription
County General0.35% - 0.45%County services, roads, public safety
School District0.45% - 0.65%K-12 education, varies by district
City/Township0.15% - 0.35%Municipal services, varies by location
Special Districts0.05% - 0.15%Watershed, library, other special services
Total Range1.00% - 1.60%Combined effective rate

Note: These are estimated ranges for FY 2025-2026. Your actual rate depends on your specific property location and the combination of taxing jurisdictions that serve your area. Contact the Winona County Assessor's Office for your exact tax rate breakdown.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Winona 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 Winona County are rare compared to states like California, as Minnesota follows an annual assessment cycle. However, supplemental assessments may occur when new construction is completed after the January 2nd assessment date but before the end of the tax year. In these cases, a prorated tax bill is issued for the newly assessable value.

For example, if you complete a $50,000 home addition in July, and your total tax rate is 1.2%, you would owe approximately $300 in supplemental taxes (($50,000 × 1.2%) ÷ 2 for half-year). The supplemental bill would be issued separately from your regular property tax statement and would have its own due date, typically 30 days from the issue date.

Example Calculation

Below are examples showing annual property tax calculations for FY 2025-2026, assuming a typical residential area with a combined tax rate of 1.15%:

Example 1: $300,000 Home

  • Market Value: $300,000
  • Less: Homestead Credit Market Value Exclusion: -$0 (credit limits assessment increases, doesn't reduce market value)
  • Net Taxable Market Value: $300,000
  • Tax Rate: 1.15%
  • Annual Tax: $3,450
  • Monthly (if escrowed): $288

Example 2: $600,000 Home

  • Market Value: $600,000
  • Less: Homestead Credit Market Value Exclusion: -$0
  • Net Taxable Market Value: $600,000
  • Tax Rate: 1.15%
  • Annual Tax: $6,900
  • Monthly (if escrowed): $575

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Less: Homestead Credit Market Value Exclusion: -$0
  • Net Taxable Market Value: $1,000,000
  • Tax Rate: 1.15%
  • Annual Tax: $11,500
  • Monthly (if escrowed): $958

Note: The Homestead Credit requires annual application and limits assessment increases rather than reducing market value. Additional tax credits may be available for seniors, veterans, or disabled persons.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Winona County require property tax escrow for loans with less than 20% down payment. Your lender collects 1/12 of your estimated annual property tax bill with each monthly mortgage payment, holding these funds in an escrow account. The lender pays your property taxes directly to Winona County on the May 15th and October 15th due dates.

Lenders typically maintain a 2-month cushion in your escrow account and conduct annual escrow analyses to adjust your monthly payment based on actual tax bills and account balance. If your property taxes increase significantly, you may face an escrow shortage requiring either a lump-sum payment or increased monthly payments. You can verify your tax payments and escrow account activity through your mortgage servicer's online portal or by contacting them directly.

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 Winona County for 2025? A: Real estate taxes are due May 15th (first half) and October 15th (second half). Agricultural property taxes are due May 15th (first half) and November 15th (second half). Mobile home taxes are due August 31st (first half) and November 15th (second half).

Q: What is the Homestead Credit and how do I apply? A: The Homestead Credit limits increases in your property's taxable value and must be applied for annually, typically by December 15th. It doesn't reduce your market value but can significantly limit tax increases. Application is required each year and is NOT automatic - contact the Winona County Assessor's Office for forms.

Q: Are there tax credits available for seniors? A: Yes, Minnesota offers a Senior Citizen Property Tax Deferral program and Homestead Credit Refund for eligible seniors. Eligibility typically requires age 65+ (or 62+ if married to someone 65+), household income limits, and 5+ years of homeownership. These require separate applications with specific deadlines.

Q: What tax credits are available for veterans? A: Disabled veterans may qualify for property tax credits based on their disability rating. Applications are required and must be submitted by July 1st for the following tax year. Contact the Winona County Veterans Service Office for specific eligibility requirements and application procedures.

Q: How often are properties reassessed in Winona County? A: All properties are valued annually as of January 2nd. The County Assessor reviews market sales data, construction costs, and other factors to determine estimated market value. You'll receive a valuation notice in March showing your property's assessed value.

Q: How do I appeal my property assessment? A: Appeals must be filed with the Winona County Board of Appeal and Equalization, typically meeting in June. You can also appeal to the Minnesota Tax Court. The deadline for local appeals is usually within 30 days of receiving your assessment notice.

Q: What happens if I pay my property taxes late? A: Penalties and interest apply to late payments. First-half taxes unpaid after May 15th accrue penalties, and second-half taxes unpaid after October 15th also incur penalties. Properties can eventually face tax forfeiture if taxes remain unpaid for extended periods.

Q: Can I pay my property taxes online? A: Yes, Winona County offers online payment options through their official website. You can pay by electronic check or credit card, though credit card payments typically include processing fees. Contact the Winona County Treasurer's Office for current online payment options and fee schedules.

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