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Updated 2025 Tax Year

Allen County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
1.06% average countywide - varies by school district and municipal levies
Exemptions
4+ Available
Section 1

How Property Tax Works

Allen County, Ohio operates on an annual property tax system that funds essential local services including schools, libraries, parks, emergency services, and county operations. For the 2025 levy year, the effective property tax rate in Allen County is approximately 1.06%, though this represents a countywide average. Property taxes are calculated based on assessed value, which in Ohio is set at 35% of fair market value for residential properties.

Actual tax rates vary significantly by location within Allen County due to special taxing districts such as school districts, municipal levies, library districts, and other local improvement districts. Property owners should verify their specific tax rate by consulting their property tax statement or contacting the Allen County Auditor's office, as rates can differ substantially between municipalities like Lima, Delphos, and unincorporated areas of the county.

Section 2

What Makes Up Your Tax Bill

ComponentApproximate RateDescription
County General Fund0.15% - 0.25%County operations and services
School District Levy0.45% - 0.65%Local school district operations and facilities
Municipal/Township0.05% - 0.15%City or township services
Library District0.02% - 0.05%Public library systems
Special Assessments0.10% - 0.30%Parks, transit, emergency services
Total Effective Rate~1.06%Combined rate (varies by location)

Rates shown are for levy year 2025 and represent typical ranges. Actual rates depend on your specific taxing district combination. School district levies typically comprise the largest portion of your property tax bill. Additional voter-approved levies for infrastructure, safety services, or bond issues may apply in certain areas.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Allen 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 Allen County are additional property tax assessments that occur when there are changes to property ownership, value, or use during the tax year. The most common triggers include new construction completion, major renovations that increase property value, subdivision of land, or correction of assessment errors discovered mid-year.

When supplemental taxes are issued, 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 a $100,000 home addition is completed in July, increasing the assessed value by $35,000 (35% of market value), and the local tax rate is 1.06%, the supplemental tax would be approximately $186 ($35,000 × 1.06% × 6/12 months remaining in the tax year). Property owners typically receive supplemental tax bills within 60-90 days of the triggering event and must pay them in addition to their regular annual property tax bill.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (35%): $105,000
  • Less: Homestead Credit (if eligible): -$2,500
  • Net Taxable Value: $102,500
  • Annual Tax (1.06%): $1,087
  • Monthly Escrow: $91

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (35%): $210,000
  • Less: Homestead Credit (if eligible): -$2,500
  • Net Taxable Value: $207,500
  • Annual Tax (1.06%): $2,200
  • Monthly Escrow: $183

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (35%): $350,000
  • Less: Homestead Credit (if eligible): -$2,500
  • Net Taxable Value: $347,500
  • Annual Tax (1.06%): $3,684
  • Monthly Escrow: $307

Note: Homestead Credit amounts are estimates and require annual application. Actual tax rates vary by specific taxing district. Senior citizens and disabled persons may qualify for additional tax credits that require separate applications.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Allen 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 your mortgage payment, typically calculated as 1/12 of your annual property tax bill plus a small cushion to account for potential increases. The escrow account ensures taxes are paid on time and protects the lender's interest in the property.

Property taxes in Allen County are typically due in two installments, though payment schedules can vary by taxing district. Lenders monitor tax bills and make payments directly to the Allen County Treasurer when due. Property owners receive annual escrow statements showing collections, payments, and account balances. If your property taxes increase due to reassessment or new levies, your lender will adjust your monthly escrow payment accordingly, usually with 60 days' notice as required by federal law.

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 Allen County? A: Property tax due dates vary by taxing district within Allen County. Most areas follow a semi-annual payment schedule, but specific dates can differ. Contact the Allen County Treasurer's office at (419) 228-3700 or check your tax bill for exact due dates for fiscal year 2025-2026.

Q: What tax credits are available and how do I apply? A: Allen County offers several tax credits that require application: Homestead Credit for seniors (65+), disabled persons, and qualifying surviving spouses; Current Agricultural Use Valuation (CAUV) for qualifying farmland; and various business credits. Applications must be filed with the Allen County Auditor's office by specific deadlines, typically March 31st for most credits.

Q: How does the Homestead Credit work? A: Ohio's Homestead Credit limits annual assessment increases rather than reducing market value. It caps taxable value increases and provides additional relief for qualifying senior citizens and disabled persons. You must apply annually using form DTE 105A before the March 31st deadline. This is a tax credit that reduces your tax bill, not an exemption.

Q: How often are properties reassessed? A: Ohio law requires counties to conduct property reappraisals every six years and update values every three years. Allen County follows this schedule with the most recent countywide reappraisal affecting tax year 2024. Interim updates occur between full reappraisals to maintain current market values.

Q: What happens if I pay my property taxes late? A: Late property tax payments in Allen County incur penalties and interest charges. Penalties typically start at 10% for the first month late, with additional interest accruing monthly. Prolonged delinquency can result in tax lien certificates being sold and eventual foreclosure proceedings.

Q: Can I pay property taxes online? A: Yes, Allen County offers online property tax payment options through the County Treasurer's website. You can pay by electronic check or credit card, though credit card payments may incur processing fees. Visit the Allen County Treasurer's official website for secure payment portal access.

Q: How do school district levies affect my taxes? A: School district levies typically represent the largest portion of your property tax bill in Allen County. When school districts pass new operating levies or bond issues, your tax rate increases accordingly. Lima City Schools, Bath Local Schools, and other districts in the county may have different levy amounts affecting properties within their boundaries.

Q: What if I disagree with my property assessment? A: Property owners can appeal their assessments through a formal process. First, contact the Allen County Auditor's office to discuss your concerns informally. If unresolved, you can file a formal complaint with the Allen County Board of Revision, typically by March 31st following the tax lien date. Professional appraisals and comparable property sales data support successful appeals.

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