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Updated 2025 Tax Year

Clermont County
Property Tax Guide

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

8 Official Sources
8 min read
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Quick Facts
Tax Rate
1.1% average county-wide (varies significantly by local taxing districts including school districts, municipalities, and townships)
Exemptions
5+ Available
Section 1

How Property Tax Works

Clermont County, Ohio operates under a property tax system that serves as the primary funding mechanism for essential local services including public schools, county government operations, municipal services, and various special districts. Property owners in Clermont County face an effective property tax rate of approximately 1.1% for the 2025 tax year, though this represents a county-wide average that can vary significantly based on your specific location within the county.

The actual tax rate you pay depends heavily on the special taxing districts where your property is located, including school districts, municipalities, townships, and special assessment districts. These local taxing authorities levy additional millage beyond the base county rate, meaning properties in different areas of Clermont County can experience notably different total tax burdens. The Ohio Department of Taxation requires annual property assessments, and property taxes in Clermont County are collected on a calendar year basis with specific due dates that property owners must observe to avoid penalties.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
County General Fund~2.5Basic county operations and services
School Districts25-40Varies by district (Forest Hills, West Clermont, etc.)
Municipal/Township3-8City/township services, varies by location
Library Districts1-2Public library system funding
Fire/EMS Districts2-4Emergency services, varies by district
Special Assessments0.5-2Sewer, parks, other special districts

Total Effective Rate: ~35-58 mills (3.5-5.8%) for FY 2025

Note: The 1.1% effective rate mentioned in county data represents the average after accounting for assessment ratios and exemptions. Actual millage rates vary significantly by taxing district. Contact the Clermont County Auditor at (513) 732-7210 for specific rates in your tax district.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Clermont 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 property taxes in Clermont County are triggered by specific events that change property ownership or value during the tax year. The most common triggers include new construction completion, property ownership transfers, and major improvements that increase assessed value. When these events occur, the County Auditor calculates additional tax based on the increased assessed value prorated for the portion of the year the higher assessment applies.

For example, if you complete a $50,000 home addition in June, the supplemental tax would apply to that additional assessed value from June through December. The calculation uses the same millage rate as your regular property tax bill. Clermont County also imposes supplemental improvement assessments for infrastructure projects, such as the current sewer system capacity charge of $3,340 for single-family residential connections, which is billed separately from regular property taxes and may be payable over multiple years.

Example Calculation

Example 1: $300,000 Home (3.5% effective rate)

  • Assessed Value: $300,000 × 35% (Ohio assessment ratio) = $105,000
  • Homestead Credit Applied: -$25,000 reduction in taxable value
  • Net Taxable Value: $80,000
  • Annual Tax: $80,000 × 0.035 = $2,800
  • Monthly Escrow: $233

Example 2: $600,000 Home (4.2% effective rate)

  • Assessed Value: $600,000 × 35% = $210,000
  • Homestead Credit Applied: -$25,000 reduction
  • Net Taxable Value: $185,000
  • Annual Tax: $185,000 × 0.042 = $7,770
  • Monthly Escrow: $648

Example 3: $1,000,000 Home (4.8% effective rate)

  • Assessed Value: $1,000,000 × 35% = $350,000
  • Homestead Credit Applied: -$25,000 reduction
  • Net Taxable Value: $325,000
  • Annual Tax: $325,000 × 0.048 = $15,600
  • Monthly Escrow: $1,300

Note: Homestead Credit requires annual application and caps assessment increases, not market value. Credits shown are estimates - actual amounts vary by district.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Clermont County require property tax escrow accounts for borrowers with less than 20% down payment. Your lender collects monthly payments equal to 1/12 of your annual property tax bill plus insurance premiums, depositing these funds into an escrow account. The lender pays your property taxes directly to the Clermont County Treasurer when due - typically in two installments on February 12th (first half) and July 9th (second half) for the current tax year.

Lenders must provide annual escrow analysis statements showing account activity and any required payment adjustments. If your property taxes increase due to reassessment or new levies, your monthly payment will adjust accordingly. Property owners can verify escrow payments by checking with the Clermont County Treasurer's office online at clermonttreasurer.org or calling (513) 732-7160. If you pay taxes directly without escrow, you're responsible for meeting all deadlines to avoid 10% monthly penalties and potential foreclosure proceedings.

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 Clermont County property taxes due for 2025? A: First half taxes are due February 12, 2025, and second half taxes are due July 9, 2025. You can pay the full year by the first due date without penalty.

Q: What tax credits are available and do I need to apply? A: The Homestead Credit is available for owner-occupied homes and requires annual application by March 31st. Senior citizens and disabled veterans may qualify for additional credits. All credits require application - none are automatic.

Q: How does the Homestead Credit work? A: The Homestead Credit doesn't reduce market value but caps assessment increases to 10% annually and provides a reduction in taxable value. You must apply annually with the County Auditor by March 31st.

Q: How often are properties reassessed in Clermont County? A: Ohio requires property reappraisal every six years with updates every three years. Clermont County follows this state schedule, with the most recent countywide reappraisal completed in 2024.

Q: How do I appeal my property assessment? A: File a complaint with the Clermont County Board of Revision by March 31st following the tax lien date (typically March 31st). Appeals must be filed annually and include supporting evidence of value.

Q: What penalty applies for late property tax payments? A: Late payments incur a 10% penalty per month, and properties become delinquent after July 9th. Delinquent taxes can lead to foreclosure proceedings after one year.

Q: Can I pay property taxes online? A: Yes, visit clermonttreasurer.org for online payments. The system accepts bank transfers and credit cards, though credit card payments may include processing fees.

Q: Why do property tax rates vary within Clermont County? A: Different school districts, municipalities, townships, and special districts (fire, library, sewer) levy their own taxes. Your total rate depends on which combination of taxing districts serves your property location.

Verified Sources

Backed by 8 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

01
County
Clermont County Property Search Online Ohio (2026)ohiopropertysearch.us
02
Tax Doc
Property Taxes Due Feb. 12, 2025clermontcountyohio.gov
03
Tax Doc
Property Tax Bills Have New Look, Same Infoclermontcountyohio.gov
04
County
County Real Estate Taxes Due July 9clermontcountyohio.gov
05
County
Clermont County Ohio Governmentclermontcountyohio.gov
06
RESOLUTION NO. 009-20bcc.clermontcountyohio.gov
07
Ohio Attorney Generalohioattorneygeneral.gov
08
County
The Board of County Commissioners of ...bcc.clermontcountyohio.gov
All sources verified as of 2025 Tax Year

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