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Updated 2025 Tax Year

Miami County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
0.5% to 2.5% of assessed value, varies by tax district location
Exemptions
4+ Available
Section 1

How Property Tax Works

Miami County, Ohio operates under a property tax system that serves as the primary funding mechanism for local government services, schools, and special districts throughout the county. Property taxes collected support essential services including public education, law enforcement, fire protection, libraries, and county operations. The effective tax rate in Miami County varies by location within the county due to different combinations of local taxing districts, but generally ranges from approximately 0.5% to 2.5% of assessed value depending on your specific tax district.

Property taxes in Miami County are assessed annually based on the property's fair market value as determined by the County Auditor's office. The actual tax rate you pay depends on your specific location within the county, as different municipalities, school districts, and special service districts may levy additional taxes beyond the base county rate. It's important to understand that Miami County recently implemented a temporary 0.52 mill tax rate reduction for tax year 2025 (payable in 2026), though this reduction is scheduled for only one year.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
County GeneralVariesBasic county operations and services
School DistrictVariesLocal school district operations and debt service
Municipal/TownshipVariesCity or township services
Special DistrictsVariesFire, library, park districts as applicable
Base Rate (2025)0.52 millsTemporary reduced rate for tax year 2025 only

Note: The above rates apply to levy year 2025 (payable in 2026). The 0.52 mill rate represents a temporary one-year reduction. Actual total rates vary significantly by location within Miami County based on your specific taxing districts. Contact the Miami County Auditor's office for your exact rate based on your property's location and applicable districts.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Miami 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 Miami County are additional property tax assessments that occur when there are changes to property ownership, value, or improvements outside the regular assessment cycle. Common triggers include new construction, major renovations that increase property value, ownership transfers that remove previous exemptions, or corrections to assessment errors. When supplemental taxes are issued, they represent the difference between what was previously assessed and what should have been assessed for the current tax year.

For example, if you complete a home addition worth $50,000 in March, the county may issue a supplemental tax bill covering the increased assessment from the completion date through the end of the tax year. The supplemental amount would be calculated by applying your district's total tax rate to the $50,000 increase in assessed value, prorated for the remaining months in the tax year.

Example Calculation

Example 1: $300,000 Property Value

  • Assessed Value: $300,000 (100% of market value)
  • Less: Homestead Credit (if applicable): -$29,000 reduction
  • Net Taxable Value: $271,000
  • Annual Tax (0.52 mills): $141
  • Monthly Escrow: $12

Example 2: $600,000 Property Value

  • Assessed Value: $600,000 (100% of market value)
  • Less: Homestead Credit (if applicable): -$29,000 reduction
  • Net Taxable Value: $571,000
  • Annual Tax (0.52 mills): $297
  • Monthly Escrow: $25

Example 3: $1,000,000 Property Value

  • Assessed Value: $1,000,000 (100% of market value)
  • Less: Homestead Credit (if applicable): -$29,000 reduction
  • Net Taxable Value: $971,000
  • Annual Tax (0.52 mills): $504
  • Monthly Escrow: $42

Note: These examples use the temporary 2025 rate of 0.52 mills. Actual rates vary by taxing district and will likely be higher in 2026. Credits shown require application and approval - they are not automatic.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Miami County require property tax escrow accounts for borrowers with less than 20% down payment or upon borrower request. Your lender collects monthly property tax payments along with your mortgage payment, deposits them into an escrow account, and pays your property taxes directly to Miami County when due. Lenders typically collect 1/12 of your estimated annual property tax each month, plus an additional cushion of up to two months' worth of taxes as required by federal law.

Miami County property taxes are typically due in April and September, with specific due dates printed on your tax statement. Lenders monitor these due dates and ensure timely payment to avoid penalties. You should receive an annual escrow analysis from your lender showing how your tax payments were applied and any adjustments needed for the coming year. Even with an escrow account, it's important to verify that payments were made correctly and review your tax statements for accuracy, as you remain ultimately responsible for ensuring your property taxes are paid in full and on time.

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 Miami County for fiscal year 2025-2026? A: Property taxes are typically due in April and September, with specific due dates printed on your tax statement. Payments postmarked by the due date are accepted as on-time.

Q: What tax credits are available and do I need to apply? A: Miami County offers several tax credits including the Homestead Exemption and Owner Occupancy Credit. Most credits require annual application and are NOT automatic. Contact the County Auditor's office for application requirements and deadlines.

Q: How does the Homestead credit work? A: The Homestead credit is available to homeowners age 65+ or permanently disabled. It provides a $29,000 reduction in taxable value and may also cap assessment increases. You must apply - it's not automatic.

Q: How often are properties reassessed in Miami County? A: Ohio requires property revaluations every six years, with updates every three years. Miami County follows this state-mandated schedule for assessment reviews.

Q: What happens if I pay my property taxes late? A: Late payments incur penalties and interest charges. Contact the Miami County Treasurer's office for specific penalty rates and payment options if you're behind on taxes.

Q: Can I pay my property taxes online? A: Yes, Miami County offers online payment options. Visit the Miami County Treasurer's website for secure online payment portals and accepted payment methods.

Q: How do special district taxes affect my bill? A: Special districts for services like fire protection, libraries, or parks add mills to your total rate. Your specific location determines which special districts apply to your property.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Miami County Board of Revision within specific deadlines. Contact the County Auditor's office for appeal procedures and required documentation.

Q: Is the 0.52 mill rate permanent? A: No, the 0.52 mill rate is a temporary reduction for tax year 2025 only (payable in 2026). Rates will likely increase for subsequent years.

Q: What's the difference between credits and exemptions? A: Credits reduce your tax bill amount, while exemptions reduce your property's taxable value. Both typically require application and approval through the County Auditor's office.

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