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Updated 2025 Tax Year

Delaware County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
3.873 mills base county rate (varies by municipality with school district and local taxes added)
Exemptions
5+ Available
Section 1

How Property Tax Works

Delaware County, Pennsylvania operates on a property tax system that funds essential county services including courts, public safety, human services, and infrastructure maintenance. Property taxes in Delaware County are calculated using a millage rate system, where one mill equals $1 in tax for every $1,000 of assessed property value. For the 2025 tax year, the county has set its base property tax rate at 3.873 mills, which applies uniformly across all municipalities within Delaware County.

The actual property tax burden for homeowners varies significantly based on location within the county due to overlapping special taxing districts, school districts, and municipal taxes that are added to the base county rate. While Delaware County's portion remains consistent, total effective tax rates typically range from approximately 1.5% to 2.5% of assessed value when combining county, municipal, and school district taxes. Property assessments in Delaware County are based on fair market value with no assessment cap, meaning values can increase without statutory limitations, though various tax credits may help limit the impact of assessment increases for eligible homeowners.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
County Base Rate3.873FY 2025 Delaware County operations, courts, public safety
Municipal TaxesVariesCity/township taxes (varies by municipality)
School District TaxesVariesLocal school district funding (varies by district)
Special AssessmentsVariesLibrary districts, fire districts, other special purposes

Note: The 3.873 mill rate applies to the FY 2025 levy year and represents only the Delaware County portion of your total property tax bill. Your actual tax rate will be significantly higher when municipal and school district taxes are included. Rates can vary substantially between different areas of the county due to different municipalities and school districts. Contact your local tax collector or municipality for complete rate information specific to your property location.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Delaware 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 Delaware County are additional property tax bills issued when there are mid-year changes to property ownership, value, or use that affect the tax assessment. The most common triggers include new construction completion, major renovations that increase property value, changes in property use (such as converting from residential to commercial), or corrections to prior assessments discovered by the county assessor.

When a supplemental tax is issued, it covers the period from the effective date of the change through the end of the current tax year. The calculation uses the same millage rates as regular property taxes but is prorated based on the number of months remaining in the tax year. For example, if a $50,000 home addition is completed and assessed in July, and the total tax rate is 20 mills, the supplemental tax would be calculated as: ($50,000 ÷ 1,000) × 20 mills × (6 months ÷ 12 months) = $500. Supplemental tax bills are typically issued within 60-90 days of the triggering event and have separate due dates from regular property tax payments.

Example Calculation

Example 1: $300,000 Property

  • Assessed Value: $300,000
  • Available Credits: Senior Citizen Credit ($500 tax reduction - requires application)
  • Net Taxable Value: $300,000 (credits reduce tax, not assessed value)
  • Estimated Total Tax Rate: 22 mills (county + municipal + school district)
  • Annual Tax Before Credits: ($300,000 ÷ 1,000) × 22 = $6,600
  • Annual Tax After Credits: $6,600 - $500 = $6,100
  • Monthly Escrow: $508

Example 2: $600,000 Property

  • Assessed Value: $600,000
  • Available Credits: Homestead Exemption (caps assessment increases - requires application)
  • Net Taxable Value: $600,000
  • Estimated Total Tax Rate: 20 mills
  • Annual Tax: ($600,000 ÷ 1,000) × 20 = $12,000
  • Monthly Escrow: $1,000

Example 3: $1,000,000 Property

  • Assessed Value: $1,000,000
  • Available Credits: None applied
  • Net Taxable Value: $1,000,000
  • Estimated Total Tax Rate: 18 mills
  • Annual Tax: ($1,000,000 ÷ 1,000) × 18 = $18,000
  • Monthly Escrow: $1,500

Note: All tax credits require application and approval. Rates shown are estimates combining county, municipal, and school district taxes.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Delaware County require property tax escrow accounts for borrowers with less than 20% down payment, though some lenders may require escrow regardless of down payment amount. Your lender collects monthly escrow payments along with your mortgage payment, typically calculating 1/12 of your annual property tax bill plus a small buffer amount. The lender holds these funds in a separate account and pays your property taxes directly to Delaware County when they become due.

Escrow accounts are analyzed annually by your lender to ensure adequate funds are collected. If property taxes increase due to reassessment or rate changes, your monthly escrow payment will be adjusted accordingly. Delaware County property taxes are due in two installments, and lenders typically pay during the discount period (by April 1) to take advantage of available discounts. You should receive an annual escrow statement from your lender showing all deposits, payments, and account balances. If you pay your own property taxes, remember that payments made between February 1 and April 1 qualify for a discount, while full payment is required by June 1 to avoid penalties.

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 Delaware County property taxes due for FY 2025? A: Property taxes qualify for a discount if paid between February 1 and April 1. After April 1, taxes are due in full by June 1 without discount. Late payments after June 1 incur penalties and interest.

Q: What tax credits are available and do they require application? A: Delaware County offers several tax credits including Senior Citizen Credits for residents 65 and older, and disability credits for permanently disabled homeowners. All tax credits require annual application and are not automatically applied. Contact the county assessor's office for specific application requirements and deadlines.

Q: How does the Homestead Exemption work in Delaware County? A: The Homestead Exemption is a tax credit that helps limit assessment increases on your primary residence, not reduce the market value. Applications must be filed by March 1 for the current tax year. This credit requires annual application and only applies to owner-occupied primary residences.

Q: How often are properties reassessed in Delaware County? A: Delaware County conducts periodic countywide reassessments, though there is no set statutory schedule. Individual properties may be reassessed when building permits are issued, ownership changes occur, or through the appeals process.

Q: What are the penalties for late property tax payments? A: Properties with taxes unpaid after June 1 are subject to penalties, interest charges, and potential tax sale proceedings. Interest accrues monthly on unpaid balances, and properties may be subject to tax lien sales if taxes remain delinquent.

Q: Can I pay my property taxes online? A: Yes, Delaware County offers online payment options through their official website. Contact your local tax collector for specific online payment portals, as collection may vary by municipality within the county.

Q: How do special district taxes affect my bill? A: Properties located within special taxing districts (library districts, fire districts, etc.) pay additional millage on top of county, municipal, and school district taxes. These rates vary by location and the specific services provided by each district.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Delaware County Board of Assessment Appeals within designated time periods, typically during specific filing windows announced annually. You must provide evidence that your property is over-assessed compared to similar properties or current market value.

Q: What documentation do I need for tax credit applications? A: Tax credit applications typically require proof of age (for senior credits), disability documentation (for disability credits), and proof of primary residence (for homestead exemptions). Contact the Delaware County Assessment Office for complete application requirements and current forms.

Q: Are property taxes prorated at closing when buying a home? A: Yes, property taxes are typically prorated between buyer and seller at closing based on the closing date and tax year. The title company or closing attorney usually handles this calculation as part of the settlement process.

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