HonestCasa logoHonestCasa
Updated 2025 Tax Year

Champaign County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
Approximately 7.25% effective rate for 2025, varies by district combination
Exemptions
4+ Available
Section 1

How Property Tax Works

Champaign County, Ohio operates under a property tax system that funds essential local services including schools, county government operations, townships, municipalities, and various special districts. Property taxes in Champaign County are calculated based on assessed values determined by the County Auditor, with tax rates set annually by various taxing authorities including school districts, townships, municipalities, and special districts.

The effective tax rate for Champaign County is approximately 7.25% for 2025, though actual rates vary significantly depending on your specific location within the county due to different combinations of school districts, municipalities, townships, and special taxing districts. Property owners should expect rate variations based on which services and districts apply to their specific parcel. Ohio assesses property at 35% of market value, and Champaign County follows the state's triennial assessment cycle with annual updates for new construction and improvements.

Section 2

What Makes Up Your Tax Bill

ComponentEstimated RateDescription
School District Levy3.5-4.5%Varies by school district within county
County General Fund1.2-1.5%County operations and services
Township/Municipal0.8-1.2%Local government services
Library District0.3-0.5%Public library services
Special Districts0.2-0.8%Fire, EMS, parks, other special assessments
Total Effective Rate~7.25%Combined rate for FY 2025

Note: These rates apply to Levy Year 2025 and represent typical ranges. Your actual tax rate depends on the specific combination of taxing districts serving your property location. Contact the Champaign County Auditor for your exact millage rate based on your parcel's tax code.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Champaign 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 Champaign County are additional property tax assessments that occur when there are changes to property ownership, new construction, or property 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 the change was in effect.

Common triggers for supplemental taxes include: purchase of property at a value different from the assessed value, completion of new construction or major renovations, and changes in property use or classification. For example, if you complete a $50,000 home addition in July, you would receive a supplemental tax bill for approximately half the year based on the increased assessed value. The supplemental amount would be calculated as: ($50,000 × 35% assessment ratio × your area's tax rate ÷ 2 for half-year).

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (35%): $105,000
  • Homestead Credit (if applicable): -$25,000 reduction cap
  • Net Taxable Value: $80,000
  • Annual Tax ($80,000 × 7.25%): $5,800
  • Monthly Escrow: $483

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (35%): $210,000
  • Homestead Credit (if applicable): -$25,000 reduction cap
  • Net Taxable Value: $185,000
  • Annual Tax ($185,000 × 7.25%): $13,413
  • Monthly Escrow: $1,118

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (35%): $350,000
  • Homestead Credit (if applicable): -$25,000 reduction cap
  • Net Taxable Value: $325,000
  • Annual Tax ($325,000 × 7.25%): $23,563
  • Monthly Escrow: $1,964

Note: Homestead and other tax credits require annual application and are not automatically applied. Contact the Champaign County Auditor for current credit amounts and application requirements.

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 Champaign County require borrowers to maintain an escrow account for property tax payments, particularly for loans with less than 20% down payment. Your lender collects monthly escrow payments along with your mortgage payment and pays your property taxes directly to the county on your behalf. The monthly escrow amount is calculated by dividing your annual tax bill by 12, plus an additional cushion typically equal to 2 months of taxes.

Lenders receive tax bills directly from the Champaign County Treasurer and are responsible for making payments by the due dates: first half due June 5th and second half due September 5th for 2025 taxes. Property owners should verify that their lender has the correct tax information and monitor escrow account statements to ensure adequate funding. If you pay taxes independently, remember that after September 30th, payments must be made in person at the Treasurer's office, and the final deadline for first-half 2025 taxes without penalty is February 24, 2026.

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 Champaign County? A: For 2025 taxes, the first half is due June 5, 2025, and the second half is due September 5, 2025. After September 30, 2025, all payments must be made in person. The final deadline for 2025 first-half taxes without penalty is February 24, 2026.

Q: What tax credits are available and do they apply automatically? A: No tax credits are automatic - all require application. The Homestead Exemption is available for owner-occupied residences and caps assessment increases. The Owner-Occupancy Credit provides additional reduction for qualifying homeowners. Applications must be filed annually with the County Auditor using forms DTE 105A and DTE 105C.

Q: How does the Homestead credit work? A: The Homestead Exemption limits how much your property's assessed value can increase each year (typically 10% or Consumer Price Index, whichever is less), rather than reducing the market value itself. This credit requires annual application and only applies to your primary residence.

Q: How often are properties reassessed in Champaign County? A: Ohio follows a triennial (three-year) assessment cycle. Champaign County conducts comprehensive reappraisals every three years, with annual updates for new construction, improvements, and sales-based adjustments between full reappraisal years.

Q: How do I appeal my property assessment? A: File a complaint with the Champaign County Board of Revision within 30 days of receiving your tax bill or notification of value change. You can also request an informal review with the County Auditor's office before filing a formal appeal.

Q: What are the penalties for late payment? A: Ohio law imposes penalties and interest on delinquent property taxes. Interest accrues monthly, and after certain periods, properties may be subject to foreclosure proceedings. Contact the County Treasurer for specific penalty rates and collection procedures.

Q: Can I pay my property taxes online? A: Check with the Champaign County Treasurer's office for current online payment options. Many Ohio counties offer online payment systems for property taxes, though some may charge convenience fees for electronic payments.

Q: Why do tax rates vary within Champaign County? A: Different areas of the county are served by different school districts, municipalities, townships, and special districts (fire, library, parks). Your total tax rate depends on which combination of these taxing authorities serves your specific property location.

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