HonestCasa logoHonestCasa
Updated 2025 Tax Year

Seward County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
1.5861% effective rate for 2025 (varies by location within county due to different taxing jurisdictions)
Exemptions
4+ Available
Section 1

How Property Tax Works

Seward County, Nebraska operates under a property tax system that serves as the primary funding mechanism for local government services, including county operations, public schools, municipalities, and various special districts. The county's effective property tax rate for tax year 2025 is 1.5861%, which is above Nebraska's statewide average of approximately 1%. This rate funds essential services such as road maintenance, law enforcement, emergency services, public education, and infrastructure development throughout the county.

Property tax rates in Seward County vary by location within the county due to the presence of different taxing jurisdictions and special districts. Residents may pay additional levies for school districts, municipalities, natural resources districts, community colleges, and other special purpose districts depending on their specific property location. The county assessor determines property values based on market conditions, while individual taxing entities set their levy rates to fund their respective budgets and services.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
County General0.2850%Basic county operations, services, and administration
School Districts0.8500%K-12 public education funding (varies by district)
Municipal0.1800%City services where applicable
Community College0.0950%Southeast Community College support
Natural Resources District0.0450%Environmental and water management programs
Agricultural Extension0.0311%University of Nebraska Extension services
Total Composite Rate1.5861%Combined rate for tax year 2025

Note: These rates apply to levy year 2025 and may vary by specific location within Seward County based on which taxing districts apply to individual properties. Rural properties may have different school district levies, and municipal properties include additional city taxes.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Seward 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 Seward County are additional property tax assessments that occur when there are mid-year changes to property ownership, value, or use that were not captured in the original annual assessment. Common triggers include new construction completion, property improvements, ownership transfers, or corrections to the original assessment. These taxes are calculated using the same tax rate structure but applied to the change in assessed value for the portion of the tax year remaining after the triggering event.

For example, if a homeowner completes a $50,000 home addition in September and the county assessor determines this adds $45,000 to the assessed value, a supplemental tax would be calculated on that $45,000 increase. Using Seward County's 1.5861% rate, this would generate approximately $714 in additional annual tax liability, prorated for the remaining months of the tax year (approximately $238 for the four remaining months). Supplemental tax bills are typically issued within 30-60 days of the assessment change and follow the same payment schedule as regular property taxes.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (92% of market): $276,000
  • Less: Homestead Credit (if applicable): -$10,000
  • Net Taxable Value: $266,000
  • Annual Tax ($266,000 × 1.5861%): $4,219
  • Monthly Payment: $352

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (92% of market): $552,000
  • Less: Homestead Credit (if applicable): -$10,000
  • Net Taxable Value: $542,000
  • Annual Tax ($542,000 × 1.5861%): $8,597
  • Monthly Payment: $716

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (92% of market): $920,000
  • Less: Homestead Credit (if applicable): -$10,000
  • Net Taxable Value: $910,000
  • Annual Tax ($910,000 × 1.5861%): $14,434
  • Monthly Payment: $1,203

Note: Homestead and other tax credits require annual application and are not automatically applied. Actual rates may vary based on specific taxing districts.

See How Taxes Affect Your Payment

Property taxes are just part of your total monthly cost. Get the full picture.

Calculate Now
Section 5

Escrow & Property Taxes

Most mortgage lenders in Seward County require borrowers to maintain an escrow account for property tax payments, particularly when the loan-to-value ratio exceeds 80%. Lenders collect monthly escrow payments as part of the mortgage payment and remit taxes directly to the county treasurer on behalf of the property owner. The escrow amount is calculated based on the previous year's tax bill plus a cushion to account for potential increases.

Property taxes in Seward County are due in two installments: the first half by August 1st and the second half by January 1st of the following year. Lenders typically make these payments before the due dates to avoid penalties. Property owners should receive an annual escrow analysis statement showing the account balance, payments made, and any adjustments needed for the coming year. If property values or tax rates increase significantly, borrowers may need to increase their monthly escrow payments or make a lump sum payment to cover shortfalls.

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 Seward County for tax year 2025? A: Property taxes are due in two equal installments - the first half by August 1, 2025, and the second half by January 1, 2026. Personal property tax schedules must be filed by May 1st annually.

Q: What tax credits are available and do they require application? A: The primary tax credit is the Homestead Exemption, which requires annual application with the county assessor. Additional exemptions may be available for disabled veterans, elderly residents, or nonprofit organizations, but all require specific applications and documentation.

Q: How does the Homestead credit work? A: The Homestead Exemption caps the annual increase in assessed value growth rather than reducing market value directly. It requires filing an application with the county assessor and must be renewed annually to maintain eligibility.

Q: How often are properties reassessed? A: Seward County conducts annual assessments, with comprehensive revaluations typically occurring every 4-6 years. The assessor reviews market conditions and property changes each year to maintain current valuations.

Q: What are the penalties for late payment? A: Late payments incur interest charges and penalties. First-half taxes paid after August 1st and second-half taxes paid after January 1st are subject to penalty fees and interest charges that compound monthly.

Q: Can I pay my property taxes online? A: Yes, Seward County offers online payment options through the county treasurer's website. Credit card, debit card, and electronic check payments are typically accepted with associated processing fees.

Q: How do I appeal my property assessment? A: Property owners can appeal assessments by filing a protest with the Seward County Board of Equalization. Appeals must be filed by June 30th following the assessment notice, and supporting documentation of comparable sales or property conditions is recommended.

Q: Why do tax rates vary within Seward County? A: Different areas of the county fall within various taxing districts including different school districts, municipalities, and special districts. Rural properties may have different school levies than urban areas, and incorporated city residents pay additional municipal taxes.

Q: What happens if I don't pay my property taxes? A: Unpaid property taxes result in a tax lien against the property. After three years of delinquency, the county may initiate tax deed proceedings, which could result in the loss of property ownership.

Q: Where can I get help with property tax questions? A: Contact the Seward County Assessor's Office at the Courthouse, Room 205, 529 Seward Street, Seward, NE 68434, or the County Treasurer's Office for payment-related questions. Both offices can provide specific information about your property's assessment and available credits.

See the Full Picture of Your Home Costs

Property taxes are just one piece of homeownership. HonestCasa helps you understand your total monthly cost and explore safe ways to access your home equity.

Total Monthly Cost

Mortgage + taxes + insurance + HOA

Equity Growth

Track how your equity grows over time

Safe Equity Access

Options for projects or debt payoff

Free • No credit check • 2-minute estimate