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Updated 2025 Tax Year

Lucas County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
19.49% county portion for 2025, total rate varies significantly by school district and municipality
1st Due
Feb 15
2nd Due
Jul 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Lucas County, Ohio operates a comprehensive property tax system that funds essential local services including schools, libraries, parks, infrastructure, and county operations. Property taxes are collected based on assessed values determined by the Lucas County Auditor, with the current tax rate for 2025 being 19.49% for the county portion alone. This rate represents just one component of the total property tax burden, as additional levies from school districts, municipalities, and special taxing districts are layered on top.

The actual property tax rate you pay depends significantly on your specific location within Lucas County, as various special taxing districts, school districts, and municipal levies create different total rates across the county. Property owners can expect effective rates to vary considerably based on these overlapping jurisdictions. The county uses a market-value assessment approach, and property owners may be eligible for various tax credits that can reduce their tax burden, though these require separate applications and are not automatically applied.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
Lucas County Base19.49%County operations, services, and facilities
Metro Parks4.46%Lucas County Metro Parks operations and maintenance
School DistrictsVariesLocal school district levies (varies by district)
Municipal LeviesVariesCity/township specific taxes and services
Special DistrictsVariesLibrary, fire, emergency services, other special assessments

Note: These rates apply to the 2025 levy year. Your total effective tax rate will depend on your specific location within Lucas County and which special taxing districts apply to your property. The rates shown represent only the county and metro parks portions - total rates including school districts and municipal levies will be significantly higher.

Section 3

When Are Property Taxes Due?

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

First Installment
Feb 15
Delinquent after Dec 10
Second Installment
Jul 31
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 property taxes in Lucas County are triggered by changes in property ownership, new construction, or significant improvements that increase a property's assessed value during the tax year. When these changes occur, the county assessor calculates additional taxes based on the increased assessment for the remaining portion of the tax year.

For example, if you purchase a home in Lucas County and the new assessment reflects a higher value than the previous assessment, you may receive a supplemental tax bill for the difference. Similarly, if you complete a major renovation or addition that increases your home's value, this improvement will trigger a supplemental assessment. The supplemental tax is calculated by applying the current tax rate to the difference in assessed value, prorated for the remaining months in the tax year from when the change took effect.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (35% of market): $105,000
  • Less: Homestead Credit (if applied): -$17,500
  • Net Taxable Value: $87,500
  • Annual Tax (estimated 60% total rate): $5,250
  • Monthly Escrow: $438

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (35% of market): $210,000
  • Less: Homestead Credit (if applied): -$17,500
  • Net Taxable Value: $192,500
  • Annual Tax (estimated 60% total rate): $11,550
  • Monthly Escrow: $963

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (35% of market): $350,000
  • Less: Homestead Credit (if applied): -$17,500
  • Net Taxable Value: $332,500
  • Annual Tax (estimated 60% total rate): $19,950
  • Monthly Escrow: $1,663

Note: Total tax rates vary significantly by location within Lucas County. The Homestead Credit requires annual application and caps assessment increases rather than providing a fixed dollar reduction.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Lucas County require property tax escrow accounts for borrowers with less than 20% down payment. Your lender collects monthly property tax payments along with your mortgage payment, depositing these funds into an escrow account. The lender then pays your property taxes directly to Lucas County when they become due on July 31st (first half) and November 30th (second half).

Lenders typically conduct annual escrow analyses to ensure adequate funds are collected, and may adjust your monthly payment if property taxes increase or decrease. You'll receive an annual escrow statement showing all deposits, payments, and any surplus or shortage. If your taxes increase due to reassessment or new levies, your lender may require you to make up any escrow shortage over 12 months while also collecting the higher monthly amount going forward. Property owners should verify that their lender is applying any tax credits they've qualified for, as lenders may not automatically account for these reductions.

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 Lucas County property taxes due for 2025? A: The first half payment is due July 31st, and the second half is due November 30th. Mailed payments must be postmarked by the due date, while online and phone payments must be completed by 8 p.m. on the due date.

Q: What is the Homestead Credit and how do I apply? A: The Homestead Credit allows qualifying homeowners to exempt $50,000 of market value from property taxes and caps annual assessment increases. This is a tax credit that requires annual application - it is not automatic. Contact the Lucas County Auditor's office for application forms and deadlines.

Q: What other tax credits are available in Lucas County? A: Lucas County offers various credits including the Owner-Occupancy Credit and credits for seniors, disabled individuals, and veterans. All credits require separate applications and proof of eligibility. Contact the Lucas County Auditor at (419) 213-4520 for specific requirements and deadlines.

Q: How often are properties reassessed in Lucas County? A: Ohio law requires property reappraisals every six years with updates every three years. Lucas County follows this state schedule, and property owners receive notice when their property is being reassessed.

Q: Can I appeal my property assessment? A: Yes, property owners can appeal their assessment to the Lucas County Board of Revision. Appeals must typically be filed by March 31st following the tax lien date. You'll need evidence such as recent appraisals or comparable sales to support your case.

Q: What happens if I pay my property taxes late? A: Lucas County charges penalties and interest on late payments. Interest accrues monthly, and properties can eventually face foreclosure for prolonged delinquency. Contact the county immediately if you're having difficulty making payments.

Q: Can I pay my Lucas County property taxes online? A: Yes, Lucas County offers online payment options through their official website at icare.co.lucas.oh.us. You can also pay by phone, but online and phone payments must be completed by 8 p.m. on the due date.

Q: Why do property tax rates vary within Lucas County? A: Different areas of Lucas County are served by different school districts, municipalities, and special taxing districts (like libraries or fire departments). Each entity can levy taxes, so your total rate depends on which combination of taxing authorities serve your specific location.

Q: What triggers a supplemental tax bill? A: Supplemental taxes are issued when there's new construction, a change in ownership that triggers reassessment, or significant improvements to existing property. The supplemental amount covers the tax difference for the remaining portion of the tax year.

Q: How do I verify what tax credits are being applied to my property? A: Check your tax bill or contact the Lucas County Auditor's office at (419) 213-4520. Remember that most credits require annual applications and are not automatically renewed, so you must reapply each year to maintain eligibility.

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