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Updated 2025 Tax Year

Cascade County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
Varies by district - typically 2.5-4% effective rate due to multiple overlapping jurisdictions
1st Due
Nov 30
2nd Due
May 31
Exemptions
4+ Available
Section 1

How Property Tax Works

Cascade County, Montana operates under Montana's property tax system, which underwent significant changes in 2025 affecting how taxes are calculated for various property types including residential homes, commercial properties, and agricultural land. Property taxes in Cascade County fund essential local services including schools, county operations, fire protection, and various special districts. The county assessor determines property values, while tax rates are set by multiple taxing jurisdictions including the county commissioners, school districts, and special districts.

Effective property tax rates in Cascade County vary significantly by location within the county due to the overlay of different special taxing districts such as school districts, fire districts, and urban renewal areas. While Montana's base assessment rate is approximately 1%, actual tax bills depend on the specific combination of taxing districts where your property is located. Property owners should expect their actual tax rates to differ from neighboring properties based on these district boundaries.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
Base County Levy33 millsBasic county tax mandated by state law
School DistrictVariesK-12 education funding, varies by district
Fire DistrictVariesFire protection and emergency services
Special DistrictsVariesMay include library, parks, conservation
Commercial Properties >$2MMax 1.89%Maximum graduated rate for qualifying multifamily rentals

Rates shown are for levy year 2025. Actual combined rates vary significantly by location within Cascade County based on which special taxing districts serve your property. Commercial and industrial properties classified as Class 4 have different rate structures. Contact the Cascade County Assessor for your specific district combination and current rates.

Section 3

When Are Property Taxes Due?

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

First Installment
Nov 30
Delinquent after Dec 10
Second Installment
May 31
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 Cascade County are triggered by changes in property ownership, new construction, or significant improvements that increase a property's assessed value during the tax year. When these events occur, the county assessor calculates additional taxes based on the increased value and the time remaining in the current tax year.

For example, if you complete a home addition worth $50,000 in January, you would owe supplemental taxes on that added value for the remaining months of the tax year. The supplemental tax is calculated by taking the increase in assessed value, multiplying by the applicable tax rate, then prorating for the months the improvement was in place. Supplemental tax bills are issued separately from regular property tax bills and have their own payment due dates.

Example Calculation

$300,000 Property:

  • Market Value: $300,000
  • Assessed Value: $300,000 (Montana assesses at market value)
  • Less Homestead Credit: -$25,000 (if applied for and approved)
  • Net Taxable Value: $275,000
  • Estimated Tax Rate: 1.2% (varies by district)
  • Annual Tax: $3,300
  • Monthly Escrow: $275

$600,000 Property:

  • Market Value: $600,000
  • Assessed Value: $600,000
  • Less Homestead Credit: -$25,000 (if applied for and approved)
  • Net Taxable Value: $575,000
  • Estimated Tax Rate: 1.2%
  • Annual Tax: $6,900
  • Monthly Escrow: $575

$1,000,000 Property:

  • Market Value: $1,000,000
  • Assessed Value: $1,000,000
  • Less Homestead Credit: -$25,000 (if applied for and approved)
  • Net Taxable Value: $975,000
  • Estimated Tax Rate: 1.2%
  • Annual Tax: $11,700
  • Monthly Escrow: $975

Credits shown require application and approval. Actual rates vary by special district location within Cascade County.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Cascade County require property tax escrow accounts to ensure timely payment of property taxes. Your lender collects monthly escrow payments as part of your mortgage payment, then pays your property taxes directly to the county when due. The monthly escrow amount is calculated by dividing your annual tax bill by 12, often with an additional cushion for potential increases.

Lenders must provide annual escrow statements showing payments received, taxes paid, and account balances. If your escrow account has a surplus over $50, the lender must refund the excess or offer to reduce monthly payments. For shortages, lenders typically spread the deficiency over 12 months while adjusting future payments. Property owners can verify their tax payments and current balances by contacting the Cascade County Treasurer's office, and those without escrow accounts must make payments according to the county's established due dates.

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 Cascade County for fiscal year 2025? A: Cascade County offers a 7-payment plan with due dates of November 30, December 31, January 31, February 28, March 31, April 30, and May 31. All payments over $50,000 must be made electronically starting in 2026.

Q: What tax credits are available and do they require application? A: The primary credit available is the $25,000 homestead credit for qualifying primary residences under HB 253. This credit requires application and is not automatic. Additional exemptions may be available for seniors, veterans, or disabled persons - contact the Cascade County Assessor for specific eligibility and application requirements.

Q: How does the homestead credit work? A: The homestead credit provides a $25,000 reduction in assessed market value for qualifying Montana primary residences. This is a credit that reduces your taxable value, not an exemption that caps assessment increases. You must apply for this credit - it is not automatically applied.

Q: How often are properties reassessed in Cascade County? A: Montana law requires properties to be appraised at market value annually, though not all properties receive physical inspections each year. The county assessor uses statistical models and market data to update values, with periodic physical inspections as needed.

Q: What are the penalties for late property tax payments? A: Late payments incur penalties and interest charges. Contact the Cascade County Treasurer for current penalty rates and payment options to avoid additional fees.

Q: Can I pay my property taxes online? A: Yes, Cascade County typically offers online payment options. Visit the Cascade County Treasurer's website or contact their office at 121 4th St N, Great Falls, MT for current online payment procedures and accepted methods.

Q: How do special districts affect my tax bill? A: Your property may be located in multiple special taxing districts (school, fire, library, etc.), each with their own tax rates. The combination of districts serving your property determines your total tax rate, which is why rates vary throughout the county.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Cascade County Tax Appeal Board within 30 days of receiving your assessment notice. Contact the Cascade County Assessor's office for appeal forms and procedures, including deadlines and required documentation.

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