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Updated 2025 Tax Year

Adams County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
0.91% to 1.44% of assessed value (varies by taxing district)
1st Due
Feb 14
2nd Due
Jul 20
Exemptions
4+ Available
Section 1

How Property Tax Works

Adams County, Ohio operates on a property tax system that serves as the primary funding mechanism for local government services, including schools, townships, municipalities, and county operations. Property owners in Adams County face an effective tax rate that typically ranges from 0.91% to 1.44% of assessed value, with the average annual property tax bill around $1,268. The county's median household income of $28,738 makes property tax burden a significant consideration for residents.

The actual tax rate you pay depends on your specific location within Adams County, as various special taxing districts overlay the base county levy. These districts may include school districts, fire departments, emergency medical services, library districts, and municipal services. Each district adds its own millage to your total tax bill, meaning two properties of identical value in different parts of the county may have substantially different tax obligations.

Property taxes in Adams County are assessed on real estate at current market value, with taxes collected to fund essential services that directly benefit property owners and the broader community. Understanding your specific tax situation requires knowing not just the county-wide rates, but also which special districts serve your property.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
County GeneralVariesBasic county operations and services
School DistrictVaries by districtLocal school district operations and bonds
Township/MunicipalVaries by locationLocal government services
Fire/EMSVaries by districtFire protection and emergency medical services
LibraryVaries by districtPublic library system funding
Total Effective Rate7.25%Combined rate for FY 2025-2026

Note: The 7.25% rate represents the county average for the 2025 tax year as set by the Adams County Board of Commissioners. Your actual rate may differ based on your specific taxing districts. Rates are expressed as a percentage of assessed value and are subject to annual review and adjustment by local taxing authorities.

Special assessments for improvements like road maintenance, drainage projects, or utility installations may appear as additional line items on your tax bill and vary by specific geographic area within the county.

Section 3

When Are Property Taxes Due?

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

First Installment
Feb 14
Delinquent after Dec 10
Second Installment
Jul 20
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 Adams County occur when there are changes to property ownership, value, or use that happen after the annual assessment date but before the end of the tax year. Common triggers include new construction completion, property sales that reveal assessment discrepancies, additions or improvements that increase property value, and changes from exempt to taxable status.

When supplemental taxes are assessed, they are calculated based on the difference between the old and new assessed values, multiplied by the applicable tax rate, and prorated for the remaining months in the tax year. For example, if you complete a $50,000 home addition in July, and your tax rate is 7.25%, you would owe supplemental taxes of approximately $181.25 for the remaining six months of that tax year ($50,000 × 0.0725 × 6/12).

Property owners receive a separate supplemental tax bill that is typically due within 30 days of issuance. These taxes are in addition to your regular annual property tax bill and cannot be appealed through the standard assessment appeal process, though you may contest the valuation through the county auditor's office.

Example Calculation

Property Value: $300,000

  • Assessed Value: $300,000 (100% of market value)
  • Less: Homestead Credit (if applicable): $25,000 reduction
  • Net Taxable Value: $275,000
  • Annual Tax: $275,000 × 0.0725 = $19,937.50
  • Monthly Escrow: $1,661.46

Property Value: $600,000

  • Assessed Value: $600,000 (100% of market value)
  • Less: Homestead Credit (if applicable): $25,000 reduction
  • Net Taxable Value: $575,000
  • Annual Tax: $575,000 × 0.0725 = $41,687.50
  • Monthly Escrow: $3,473.96

Property Value: $1,000,000

  • Assessed Value: $1,000,000 (100% of market value)
  • Less: Owner-Occupied Credit (if applicable): $50,000 reduction
  • Net Taxable Value: $950,000
  • Annual Tax: $950,000 × 0.0725 = $68,875.00
  • Monthly Escrow: $5,739.58

Note: Tax credits shown require annual application and approval. Homestead and Owner-Occupied credits primarily limit assessment increases rather than providing dollar-for-dollar reductions. Actual credits may vary based on eligibility and current program parameters.

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Section 5

Escrow & Property Taxes

Most Adams County property owners with mortgages have their property taxes collected through an escrow account managed by their lender. Your mortgage servicer estimates your annual property tax obligation and divides it into 12 monthly payments collected along with your mortgage payment. The servicer then pays your property taxes directly to Adams County when they become due.

Property taxes in Adams County are typically paid in two installments, with the first installment due around April 15th. Your escrow account should maintain sufficient funds to cover both payments, plus a small buffer as required by federal regulations. Lenders may collect up to two months of additional property tax payments as a cushion against tax increases or assessment changes.

It's important to review your annual escrow analysis statement to ensure accuracy and verify that your lender is using current tax rates and assessments. If your property taxes increase due to reassessment or new special district levies, your monthly escrow payment will be adjusted accordingly. You have the right to request documentation showing how your escrow payments are calculated and to challenge any discrepancies with your servicer.

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 Adams County property taxes due for the current fiscal year? A: For FY 2025-2026, the first installment is due April 15, 2026. A second installment may be due later in the year. Contact the Adams County Auditor for exact payment schedules as dates may vary.

Q: What tax credits are available and do they require application? A: Adams County offers Homestead Credit and Owner-Occupied Credit programs that require annual application through the county auditor's office. These are tax credits that reduce your tax bill, not exemptions. Most credits are NOT automatic and must be applied for by specific deadlines.

Q: How does the Homestead Credit work? A: The Homestead Credit primarily caps assessment increases rather than reducing market value. It limits how much your assessed value can increase year-over-year (typically 10% annually). You must file an application to receive this benefit - it is not automatic.

Q: How often are properties reassessed in Adams County? A: Ohio law requires property reassessment every three years, with an update in the third year. Adams County follows this schedule, with the most recent countywide reappraisal determining current assessed values.

Q: What happens if I pay my property taxes late? A: Late payments incur penalties and interest charges. Penalties typically begin accruing immediately after the due date, and interest compounds monthly. Extended delinquency can result in tax lien certificates and eventual foreclosure proceedings.

Q: Can I pay my property taxes online? A: Contact the Adams County Treasurer's office to verify current online payment options. Many Ohio counties offer online payment systems, but specific availability and accepted payment methods vary by county.

Q: How do special district taxes affect my bill? A: Your total property tax rate includes levies from all taxing districts that serve your property - county, school district, township or municipality, fire district, library district, etc. Each district sets its own millage rate, which combines to create your total effective rate.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Adams County Board of Revision, typically by March 31st following the tax lien date. You'll need evidence supporting your claim that the assessed value exceeds fair market value, such as recent comparable sales or professional appraisals.

Q: Are there property tax relief programs for seniors or disabled residents? A: Ohio offers various property tax relief programs including the Homestead Exemption for seniors and disabled homeowners. These programs require application through the Adams County Auditor's office and have specific income and eligibility requirements that change annually.

Q: What documentation do I need to apply for tax credits? A: Most applications require proof of ownership, residency verification, income documentation (for need-based programs), and completed application forms. Contact the Adams County Auditor's office for specific requirements and current application deadlines for each program.

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