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Updated 2025 Tax Year

Shelby County
Property Tax Guide

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

8 Official Sources
8 min read
Quick Facts
Tax Rate
0.81% effective rate (varies by district based on local taxing authorities)
Exemptions
5+ Available
Section 1

How Property Tax Works

Shelby County, Ohio operates under a property tax system that funds essential local services including schools, townships, municipalities, and county operations. Property taxes are the primary revenue source for these services, with an effective tax rate of approximately 0.81% for residential properties as of 2025. This rate reflects the total millage from all taxing authorities that serve a particular property location.

Property tax rates in Shelby County vary significantly by location within the county due to different combinations of special taxing districts, school districts, townships, municipalities, and other local authorities. Each property's total tax rate is determined by the specific taxing districts that serve that location, meaning neighboring properties may have different rates depending on their school district boundaries, municipal limits, and other district boundaries.

Section 2

What Makes Up Your Tax Bill

ComponentApproximate RateDescription
County General1.5-2.5 millsBasic county operations and services
School District25-35 millsLocal school district operations and bonds
Township/Municipality2-8 millsLocal government services (varies by location)
Library0.5-1.5 millsPublic library system
Emergency Services1-3 millsFire, EMS, and emergency services
Special Assessments0-5 millsInfrastructure, parks, other special districts
Total Effective Rate~8.1 mills (0.81%)Combined rate varies by specific location

Rates shown are for levy year 2025 (payable in 2026) and represent typical ranges. Actual rates vary significantly by specific address based on which taxing districts serve that location. Contact the Shelby County Auditor for exact rates applicable to your property.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Shelby 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 Ohio are triggered when property undergoes significant changes that affect its assessed value during the tax year. The most common triggers include new construction, major improvements, or changes in property use that increase the taxable value. When improvements are completed, the county auditor calculates the additional tax owed based on the increased assessed value, prorated for the portion of the tax year the improvement was in place.

For example, if you complete a $50,000 home addition in July that increases your assessed value by $17,500 (35% assessment ratio), and your total tax rate is 0.81%, you would owe approximately $71 in supplemental taxes for the remaining six months of that tax year ($17,500 × 0.0081 × 0.5 years = $70.88).

Example Calculation

Example 1: $300,000 Home Value

  • Assessed Value: $105,000 (35% of market value)
  • Less: Homestead Credit: -$2,500 (if qualified and applied)
  • Net Taxable Value: $102,500
  • Annual Tax: $830.25 ($102,500 × 0.0081)
  • Monthly Escrow: $69.19

Example 2: $600,000 Home Value

  • Assessed Value: $210,000 (35% of market value)
  • Less: Homestead Credit: -$2,500 (if qualified and applied)
  • Net Taxable Value: $207,500
  • Annual Tax: $1,680.75 ($207,500 × 0.0081)
  • Monthly Escrow: $140.06

Example 3: $1,000,000 Home Value

  • Assessed Value: $350,000 (35% of market value)
  • Less: Homestead Credit: -$2,500 (if qualified and applied)
  • Net Taxable Value: $347,500
  • Annual Tax: $2,814.75 ($347,500 × 0.0081)
  • Monthly Escrow: $234.56

Note: Homestead credit requires annual application and limits assessment increases rather than providing a flat reduction. Actual credits may vary based on qualification criteria and must be applied for through the county auditor.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Shelby County require property tax escrow accounts, collecting monthly payments equal to 1/12 of your annual property tax bill plus insurance premiums. Lenders typically collect an additional 2-month cushion to ensure sufficient funds are available when taxes are due. Property taxes in Ohio are generally paid in two installments - the first half due by the end of February and the second half due by the end of July.

Your lender will receive tax bills directly from the Shelby County Treasurer and make payments on your behalf. You should receive an annual escrow analysis showing how your payments were applied and any adjustments needed for the coming year. If your property taxes increase due to reassessment or new levies, your monthly escrow payment will be adjusted accordingly. You can verify that payments were made by checking with the Shelby County Treasurer's office or accessing their online payment portal.

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 Shelby County? A: For tax year 2025 (payable in 2026), the first half payment is due by February 28, 2026, and the second half is due by July 31, 2026. Payments are considered late if received after the due date.

Q: What is the Homestead Credit and how do I apply? A: The Homestead Credit is available to qualified senior citizens (65+), disabled individuals, or surviving spouses with income below $40,000 for tax year 2025. It caps annual assessment increases and reduces property tax liability. You must apply annually through the Shelby County Auditor's office before the filing deadline.

Q: Are there other tax credits available that require application? A: Yes, Ohio offers several credits including the Disabled Veterans Credit, Agricultural Use Valuation (CAUV), and Current Agricultural Use Value programs. All require separate applications and have specific qualification criteria and deadlines. Contact the county auditor for complete information and application forms.

Q: How often are properties reassessed in Shelby County? A: Ohio law requires counties to conduct property reappraisals every six years and updates every three years. Shelby County follows this schedule, with the most recent updates affecting current tax bills. Individual properties may be reassessed more frequently if improvements are made or appeals are filed.

Q: What are the penalties for late payment? A: Ohio law imposes penalties and interest on late property tax payments. After the due date, penalties accrue monthly, and unpaid taxes can eventually lead to foreclosure proceedings. Contact the County Treasurer immediately if you cannot make payments on time to discuss payment arrangements.

Q: Can I pay my property taxes online? A: Yes, the Shelby County Treasurer typically offers online payment options through their official website. You can pay by electronic check or credit card, though convenience fees may apply for credit card payments. You'll need your property tax bill or parcel number to make online payments.

Q: How do special district taxes affect my bill? A: Special districts like fire departments, libraries, parks, and municipal services each levy their own taxes. Your total tax rate is the sum of all districts serving your property location. Properties in incorporated areas typically have higher rates due to additional municipal services, while rural properties may have different combinations of township and special district taxes.

Q: What if I disagree with my property assessment? A: You can appeal your property assessment through the Shelby County Board of Revision. Appeals must be filed by March 31 following the tax lien date. You'll need to provide evidence supporting your claim that the assessed value is incorrect, such as comparable sales, appraisals, or documentation of property conditions affecting value.

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