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Updated 2025 Tax Year

Montgomery County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
45 mills (4.5%) base county rate, varies by district with additional levies for schools, ambulance, and hospital districts
Exemptions
4+ Available
Section 1

How Property Tax Works

Montgomery County, Mississippi operates on a property tax system that funds essential local services including schools, law enforcement, fire protection, roads, and county government operations. For the 2025 tax year, the county has set a property tax rate of 45 mills (4.5%), which is applied to the assessed value of real and personal property. This rate translates to $45 in taxes for every $1,000 of assessed property value.

Property tax rates in Montgomery County can vary significantly based on your specific location within the county due to special taxing districts such as school districts, ambulance districts, and hospital districts. Each district may levy additional taxes beyond the base county rate, so your total effective tax rate depends on which combination of districts serve your property. The Mississippi Department of Revenue oversees the assessment process, while local tax collectors handle payment collection and processing.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
Base County Levy45.0FY 2025-2026 base county operations
School DistrictVariesLocal school district operations and bonds
Ambulance DistrictVariesEmergency medical services
Hospital DistrictVariesPublic hospital services (if applicable)
Special AssessmentsVariesDrainage, fire protection, other local services

Total Effective Rate: Varies by location within Montgomery County

Note: The 45-mill base rate applies county-wide for FY 2025-2026, but your total tax bill will include additional levies from special taxing districts that serve your specific property location. Contact the Montgomery County Tax Assessor's office to determine your exact rate based on your property's location and applicable district services.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Montgomery 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 Montgomery County are additional property tax bills issued when there are changes to property ownership, value, or classification that occur after the regular assessment date. Common triggers include new construction completion, property transfers that remove exemptions, major improvements, or corrections to previous assessments.

When supplemental taxes are levied, they are calculated on a pro-rated basis from the date the change became effective through the end of the current tax year. For example, if new construction is completed and assessed in July, supplemental taxes would cover July through December of that tax year. The supplemental bill uses the same tax rate that applies to your property location, including all applicable special district levies.

Property owners typically receive supplemental tax bills within 30-60 days of the triggering event. These taxes are due within 30 days of the bill date and are separate from your regular annual property tax bill.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (10% of market): $30,000
  • Less: Homestead Credit Application: -$7,500
  • Net Taxable Value: $22,500
  • Annual Tax (45 mills): $1,013
  • Monthly Payment: $84

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (10% of market): $60,000
  • Less: Homestead Credit Application: -$7,500
  • Net Taxable Value: $52,500
  • Annual Tax (45 mills): $2,363
  • Monthly Payment: $197

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (10% of market): $100,000
  • Less: Homestead Credit Application: -$7,500
  • Net Taxable Value: $92,500
  • Annual Tax (45 mills): $4,163
  • Monthly Payment: $347

Note: These examples use the base 45-mill rate only. Actual taxes will be higher due to special district levies. All credits require application with the Tax Assessor's office and are not automatically applied.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Montgomery County require borrowers to maintain an escrow account for property tax payments. Your lender collects monthly escrow payments along with your mortgage payment, typically equal to 1/12 of your estimated annual property tax bill. The lender then pays your property taxes directly to Montgomery County when they become due.

Property tax bills are typically mailed in December, with payment due by January 31st of the following year (extended to March 3, 2026 for tax year 2025 due to state emergency declaration). Lenders usually pay taxes before the due date to avoid penalties. If your property taxes increase due to reassessment or rate changes, your lender will adjust your monthly escrow payment accordingly, usually after conducting an annual escrow analysis.

You can verify that your lender has paid your property taxes by checking with the Montgomery County Tax Collector's office. If you pay property taxes directly without escrow, you're responsible for ensuring timely payment to avoid penalties and potential tax lien placement on your property.

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 Montgomery County? A: For tax year 2025, property taxes are due by March 3, 2026, due to a state emergency extension. The standard due date is typically January 31st. There is an automatic 14-day grace period for vehicle tag renewals.

Q: What tax credits are available and how do I apply? A: The primary tax credit is the Homestead Credit for owner-occupied residences. This credit requires annual application with the Montgomery County Tax Assessor's office. Military personnel stationed outside Mississippi may also qualify if they maintain Mississippi residency. Applications must be filed with the Tax Assessor - credits are never automatic.

Q: How does the Homestead Credit work? A: The Homestead Credit provides a reduction in your taxable assessed value and caps annual assessment increases. You must apply with the Tax Assessor's office and cannot claim residency in another state for income tax purposes. The credit applies only to your primary residence where you actually live.

Q: How often are properties reassessed? A: Mississippi conducts property revaluations periodically, but not necessarily annually. Assessment increases are subject to certain statutory limitations. Property owners can appeal assessments through the county assessment appeal process if they believe their property is overvalued.

Q: What happens if I pay my property taxes late? A: Late payments incur penalties and interest charges. Unpaid taxes can result in tax liens being placed on your property, and ultimately tax sale proceedings. Contact the Montgomery County Tax Collector immediately if you cannot make timely payment.

Q: Can I pay property taxes online? A: Contact the Montgomery County Tax Collector's office for current online payment options and accepted payment methods. Many Mississippi counties now offer online payment systems for taxpayer convenience.

Q: Do special districts affect my tax rate? A: Yes, your location within Montgomery County determines which special taxing districts serve your property (school, ambulance, hospital, etc.). Each district can levy additional taxes beyond the base county rate, so total rates vary significantly by location.

Q: What if I disagree with my property assessment? A: You have the right to appeal your property assessment. Contact the Montgomery County Tax Assessor's office for appeal procedures and deadlines. You'll need to provide evidence supporting your claim that the assessed value is incorrect.

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