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Updated 2025 Tax Year

Ramsey County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
Approximately 1% of assessed value, varies significantly by taxing district combination
Exemptions
5+ Available
Section 1

How Property Tax Works

Ramsey County, North Dakota operates under a property tax system that funds essential county services, schools, and local infrastructure. Property taxes in Ramsey County are assessed annually and serve as a primary revenue source for the county government, school districts, and various special taxing districts. The county's tax rate is approximately 1% of assessed value, though this can vary significantly based on your property's location within specific taxing districts.

Property tax rates in Ramsey County vary by location due to different combinations of special taxing districts, including school districts, park districts, and other local service areas. Your actual tax rate depends on which taxing jurisdictions serve your property. The county assessor determines property values based on market conditions, while individual taxing entities set their levy amounts, creating the final tax rate applied to your property.

Section 2

What Makes Up Your Tax Bill

The 2025 property tax rates for Ramsey County were finalized with the adoption of levies on December 10, 2024. Exact consolidated rates vary by taxing district combination within the county.

ComponentRate RangeDescription
County GeneralVariesBasic county services, administration
School DistrictVariesLocal school district operations
Special AssessmentsVariesParks, water, emergency services
Total Consolidated~1.0%**Approximate base rate

Note: Actual rates vary significantly by location within Ramsey County based on your specific combination of taxing districts. Contact the Ramsey County Assessor at 701-662-7021 for your property's exact consolidated tax rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Ramsey 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 Ramsey County are additional property tax assessments that occur when property changes ownership, undergoes new construction, or experiences significant improvements during the tax year. These taxes are calculated based on the difference between the old and new assessed values, prorated for the portion of the tax year remaining after the change occurs.

For example, if you purchase a home in Ramsey County in June that was previously under-assessed, you may receive a supplemental tax bill covering the difference from June through the end of the tax year. The supplemental tax is calculated by taking the assessment increase, applying the current tax rate, and prorating it for the months remaining in the tax year.

Example Calculation

Property Value: $300,000

  • Assessed Value: $300,000
  • Homestead Credit Applied: -$5,000 (estimated, requires application)
  • Net Taxable Value: $295,000
  • Annual Tax (@ ~1.0%): $2,950
  • Monthly Escrow: ~$246

Property Value: $600,000

  • Assessed Value: $600,000
  • Homestead Credit Applied: -$5,000 (estimated, requires application)
  • Net Taxable Value: $595,000
  • Annual Tax (@ ~1.0%): $5,950
  • Monthly Escrow: ~$496

Property Value: $1,000,000

  • Assessed Value: $1,000,000
  • Homestead Credit Applied: -$5,000 (estimated, requires application)
  • Net Taxable Value: $995,000
  • Annual Tax (@ ~1.0%): $9,950
  • Monthly Escrow: ~$829

Note: Credits shown require annual application and eligibility verification. Actual rates vary by taxing district location.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Ramsey County require property tax escrow accounts to ensure timely tax payments. Your lender collects monthly escrow payments equal to 1/12 of your annual property tax bill, plus insurance premiums. The lender holds these funds and makes tax payments directly to Ramsey County on your behalf.

Escrow payments are typically made in two installments: the first by March 1st and the second by October 15th, following Ramsey County's payment schedule. Your lender may pay early to ensure compliance with due dates. You should receive an annual escrow analysis showing how your payments were applied and any adjustments needed for the coming year. If your escrow account has a shortage or surplus, your lender will adjust your monthly payment accordingly.

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 Ramsey County for 2025? A: The first installment is due by March 1, 2025, and the second installment is due by October 15, 2025. You can receive a 5% discount if all taxes are paid by February 15, 2025.

Q: What is the North Dakota Homestead Tax Credit and do I need to apply? A: The Homestead Tax Credit is a program that helps limit property tax assessment increases for eligible homeowners. This is a tax credit that requires annual application - it is not automatic. The credit helps combat property tax increases and has expanded eligibility for 2023 and beyond.

Q: How does the Homestead Credit work? A: The Homestead Credit caps assessment increases rather than reducing your property's market value. You must file an application to receive this credit, and eligibility includes income requirements with deductions allowed for medical expenses.

Q: How often are properties reassessed in Ramsey County? A: Properties are assessed annually. If you disagree with your assessment, you can appeal through the county assessor's office. Contact the Ramsey County Assessor at 701-662-7021 for appeal procedures and deadlines.

Q: What are the penalties for late property tax payments? A: Late payments incur penalties and interest charges. Contact the Ramsey County Treasurer for specific penalty rates and payment options if you've missed the due dates.

Q: Can I pay my property taxes online? A: Yes, Ramsey County offers online property tax payment options. Check the county website or contact the treasurer's office for available online payment methods and instructions.

Q: Why do property tax rates vary within Ramsey County? A: Tax rates vary based on the combination of special taxing districts serving your property, including school districts, park districts, and other local service areas. Each district sets its own levy, creating different total rates across the county.

Q: What exemptions are available and do they require applications? A: Most property tax credits and exemptions require applications - they are not automatic. Contact the Ramsey County Assessor at 701-662-7021 to discuss available programs and application requirements for your specific situation.

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