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Updated 2025 Tax Year

Winston County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
41.5 mills base rate for 2025, varies by municipality and special districts within Winston County
Exemptions
5+ Available
Section 1

How Property Tax Works

Winston County, Mississippi 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 assessed value of real estate and personal property within the county. The current tax rate for Winston County is 41.5 mills for the 2025 levy year, though actual rates may vary depending on your specific location within the county due to special taxing districts and municipal boundaries.

Property owners should note that Winston County contains multiple jurisdictions, including the city of Louisville and various special districts, each with their own additional tax rates. This means your total property tax bill will depend on which combination of taxing authorities serve your property. The county uses an assessment ratio based on Mississippi state guidelines, and property is typically reassessed periodically to reflect current market conditions.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
Winston County General Fund41.5County operations, roads, public safety (FY 2025)
Louisville Municipal*23.0City services for properties within Louisville city limits
School DistrictsVariesAdditional rates for local school funding
Special DistrictsVariesFire districts, drainage districts, other special assessments

*Municipal rates shown are for Louisville and apply only to properties within city limits. The 41.5 mill county rate is effective for the 2025 levy year. Total effective rates typically range from 41.5 mills for unincorporated areas to over 65 mills for properties within municipalities and special districts. Contact the Winston County Tax Assessor for your specific district combination and total rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Winston 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 Winston County are additional property tax assessments that occur outside the regular annual tax cycle. These are typically triggered by changes in property ownership, new construction, or improvements that increase a property's assessed value during the tax year. When such changes occur, the county calculates the difference between the old and new tax amounts and issues a supplemental bill for the remaining months of the fiscal year.

For example, if you purchase a home in Winston County that was previously underassessed, or if you complete a major renovation, the Tax Assessor may issue a supplemental assessment. The supplemental tax is calculated by taking the difference between the new and old assessed values, applying the current tax rate, and prorating it for the number of months remaining in the tax year. Property owners typically receive supplemental bills within 30-90 days of the triggering event and must pay them in addition to regular annual property taxes.

Example Calculation

Example 1: $300,000 Home (Unincorporated Winston County)

  • Market Value: $300,000
  • Assessed Value (10% of market): $30,000
  • Less: Homestead Credit (if applicable): -$300
  • Net Taxable Value: $29,700
  • Annual Tax (41.5 mills): $1,232
  • Monthly Payment: $103

Example 2: $600,000 Home (Louisville City Limits)

  • Market Value: $600,000
  • Assessed Value (10% of market): $60,000
  • Less: Homestead Credit (if applicable): -$300
  • Net Taxable Value: $59,700
  • Annual Tax (64.5 mills estimated): $3,851
  • Monthly Payment: $321

Example 3: $1,000,000 Property (Commercial/No Credits)

  • Market Value: $1,000,000
  • Assessed Value (15% of market): $150,000
  • Less: Credits Applied: $0
  • Net Taxable Value: $150,000
  • Annual Tax (41.5 mills): $6,225
  • Monthly Payment: $519

Note: Homestead credits require application and are not automatic. Rates vary by specific location and applicable districts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Winston County require property tax escrow accounts for financed properties. Your lender collects monthly property tax payments along with your mortgage payment and holds these funds in escrow until taxes are due. The escrow amount is calculated by dividing your annual property tax bill by 12, often with an additional cushion to account for potential increases.

Property taxes in Winston County are typically due by April 15 each year. Your mortgage servicer will pay the taxes directly to the county from your escrow account before the due date. You should receive an annual escrow analysis from your lender showing the account activity and any adjustments needed for the coming year. If your property taxes increase due to reassessment or rate changes, your monthly escrow payment may be adjusted accordingly. Property owners should verify that their lender has paid taxes on time by checking with the Winston County Tax Collector's office.

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 Winston County? A: Property taxes for the current fiscal year are typically due by April 15. Late payments may incur penalties and interest charges.

Q: What homestead tax credits are available and how do I apply? A: Mississippi offers a homestead credit that must be applied for with the Winston County Tax Assessor's office. This credit provides a small reduction in your tax bill and caps annual assessment increases. Applications must be filed with the Tax Assessor - the credit is not automatic.

Q: How does the homestead credit work? A: The homestead credit provides a modest reduction in taxable assessed value and limits annual assessment increases to help protect against dramatic tax increases. You must own and occupy the property as your primary residence and file an application with the county.

Q: How often is property reassessed in Winston County? A: Mississippi requires periodic reappraisal of all property. Contact the Winston County Tax Assessor for the current assessment schedule and your property's last assessment date.

Q: How do I appeal my property assessment? A: Property assessment appeals must be filed with the Winston County Board of Supervisors within the specified time frame after receiving your assessment notice. Contact the Tax Assessor's office for appeal forms and deadlines.

Q: What happens if I pay my taxes late? A: Late payments incur penalties and interest charges. Properties with delinquent taxes may eventually face tax sale proceedings.

Q: Can I pay my property taxes online? A: Contact the Winston County Tax Collector's office to inquire about online payment options and accepted payment methods.

Q: Why did my tax bill increase if the tax rate stayed the same? A: Tax bills can increase due to property reassessment, new special district assessments, or improvements to your property that increased its assessed value.

Q: What special districts might affect my property taxes? A: Winston County contains various special districts including fire districts and drainage districts. Your total tax rate depends on which districts serve your specific property location.

Q: Are there tax credits available for seniors or disabled persons? A: Mississippi may offer additional tax relief programs for seniors or disabled property owners. Contact the Winston County Tax Assessor to inquire about available programs and application requirements.

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