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Updated 2025 Tax Year

Monroe County
Property Tax Guide

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

10 Official Sources
8 min read
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Quick Facts
Tax Rate
7.25% effective rate countywide (varies by district - significantly higher than Ohio's typical 1% base rate)
1st Due
Feb 14
2nd Due
Jul 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Monroe County, Ohio operates under a property tax system that funds essential local services including schools, libraries, emergency services, and county operations. Property owners in Monroe County face an effective tax rate of approximately 7.25% countywide as of October 2025, though this represents a significant departure from Ohio's typical rate of around 1%. This rate funds various local governmental functions and is collected by the Monroe County Treasurer on behalf of all participating taxing entities.

It's important to understand that actual tax rates vary by location within Monroe County due to special taxing districts such as school districts, fire districts, library systems, and municipal bonds. Property owners should verify their specific tax rate based on their exact location, as additional local levies may apply depending on the services provided in their area. The county assessor determines property values, while various taxing authorities set the rates that ultimately determine your annual property tax obligation.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
Base County Levy~1.0%Core county services and administration
School District Levy~4.5%Local school district operations and facilities
Special Districts~1.75%Fire protection, libraries, emergency services
Total Effective Rate~7.25%Combined rate for FY 2025-2026

Note: These rates are effective for the 2025-2026 levy year and apply countywide. Individual property owners may face different total rates depending on their specific location within Monroe County and the special taxing districts that serve their area. Additional voter-approved levies, bond issues, and emergency levies may result in rate variations between different areas of the county.

Section 3

When Are Property Taxes Due?

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

First Installment
Feb 14
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 taxes in Monroe County are additional property tax assessments that occur when there are changes to a property's assessed value or ownership during the tax year. Common triggers include new construction, substantial improvements, changes in property use, or corrections to previous assessments. These supplemental bills are calculated based on the difference between the old and new assessed values, multiplied by the applicable tax rate for the remaining portion of the tax year.

For example, if you complete a $50,000 home addition in August and your property's assessed value increases by $50,000, you would receive a supplemental tax bill for the additional taxes owed from August through the end of the tax year. The supplemental amount would be calculated as: $50,000 × 35% (assessment ratio) × 7.25% (tax rate) × 4/12 months = approximately $543 for the remainder of that tax year.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (35%): $105,000
  • Less: Owner-Occupied Credit: -$2,500 (requires application)
  • Net Taxable Value: $102,500
  • Annual Tax (7.25%): $7,431
  • Monthly Escrow: $619

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (35%): $210,000
  • Less: Owner-Occupied Credit: -$2,500 (requires application)
  • Net Taxable Value: $207,500
  • Annual Tax (7.25%): $15,044
  • Monthly Escrow: $1,254

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (35%): $350,000
  • Less: Owner-Occupied Credit: -$2,500 (requires application)
  • Net Taxable Value: $347,500
  • Annual Tax (7.25%): $25,194
  • Monthly Escrow: $2,099

Note: All tax credits require application and approval. Calculations assume standard owner-occupied credit only.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Monroe County require borrowers to establish an escrow account for property taxes, especially when the loan-to-value ratio exceeds 80%. Your lender will collect monthly payments equal to 1/12 of your estimated annual property tax bill and hold these funds in a separate escrow account. The lender then pays your property taxes directly to Monroe County when they become due in April and November each year.

Lenders are required to conduct annual escrow analyses to ensure adequate funds are collected. If property taxes increase due to reassessment or new levies, your monthly escrow payment may increase accordingly. Property owners should review their annual escrow statements carefully and can request to pay taxes directly once they have sufficient equity in their home. When paying independently, remember that Monroe County property taxes are due April 1st for the first half and November 1st for the second half, with penalties applied for late payments.

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 Monroe County for FY 2025-2026? A: Property taxes are due twice annually - the first half payment is due April 1, 2026, and the second half is due November 1, 2026.

Q: What tax credits are available and how do I apply? A: The primary credit is the Owner-Occupied Credit, which requires filing form DTE 105A with the county auditor. Additional credits include the Homestead Exemption for qualifying senior citizens and disabled persons. All credits require annual application and are not automatic.

Q: How does the Homestead Credit work? A: The Homestead Credit limits assessment increases rather than reducing market value. It caps annual assessment growth for qualifying low-income seniors and disabled residents. You must apply using form DTE 105A with the Monroe County Auditor.

Q: How often are properties reassessed? A: Ohio law requires property revaluation every three years, with annual updates for new construction and improvements. Monroe County follows this schedule with the most recent countywide reappraisal determining current assessed values.

Q: What are the penalties for late payment? A: Late payments incur penalties and interest charges. Specific penalty rates and collection procedures are established by the Monroe County Treasurer's office.

Q: Can I pay my property taxes online? A: Contact the Monroe County Treasurer's office directly to verify current online payment options and accepted payment methods.

Q: Why is my tax rate different from my neighbor's? A: Tax rates vary within Monroe County based on special taxing districts such as school districts, fire districts, and municipal services that serve your specific property location.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Monroe County Board of Revision. Specific deadlines and procedures are available through the county auditor's office, typically within 30 days of receiving your tax bill.

Verified Sources

Backed by 10 Official Government Sources

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

01
County
2025 Town & County Tax Ratesmonroecounty.gov
02
County
Total State and Local Sales Tax Rates, by County, Effective ...dam.assets.ohio.gov
03
County
Forms - County Auditor Website, Monroe County, Ohiomonroecoauditoroh.gov
04
Tax Doc
Tax Due Datesmonroeohio.gov
05
County
OHIO TOWNSHIP MONROE COUNTY AGREED UPON ...ohioauditor.gov
06
County
County Auditor, Monroe County, Ohio: Homemonroecoauditoroh.gov
07
Tax Doc
Property Tax – Real Propertytax.ohio.gov
08
Tax Doc
Real Property Tax - Homestead Means Testingtax.ohio.gov
09
Tax Doc
Real Property Taxdam.assets.ohio.gov
10
County
VILLAGE OF CLARINGTON MONROE COUNTY, OHIOohioauditor.gov
All sources verified as of 2025 Tax Year

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