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Updated 2025 Tax Year

Monroe County
Property Tax Guide

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

9 Official Sources
8 min read
Quick Facts
Tax Rate
28.67 mills county rate (varies by municipality and school district - total rates typically range 30-50+ mills)
Exemptions
5+ Available
Section 1

How Property Tax Works

Monroe County, Pennsylvania operates under a property tax system that funds essential local services including schools, municipal operations, and county government functions. Property taxes in Monroe County are levied using a millage rate system, where one mill equals $1 of tax for every $1,000 of assessed property value. The county conducts assessments to determine fair market value of properties, which then serves as the basis for tax calculations.

For the fiscal year 2025-2026, Monroe County's property tax rate is 28.67 mills, applying to real estate, personal property, and motor vehicles. However, your actual property tax rate may vary significantly depending on your location within the county due to additional special taxing districts, school district rates, and municipal taxes. These combined rates typically result in effective tax rates ranging from approximately 1.5% to 3% of assessed value, with most properties falling in the 2-2.5% range when all taxing authorities are combined.

It's important to note that Monroe County property owners receive tax bills from multiple entities - the county, school district, and municipal government - each with their own rates and payment schedules. The county portion represents just one component of your total property tax obligation.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
Monroe County Base28.67County operations, services, debt service (FY 2025-2026)
School DistrictsVariesRanges from 15-25+ mills depending on district
Municipal TaxVariesCity/township rates vary by municipality
Special AssessmentsVariesFire districts, sewer districts, other special services

Note: The 28.67 mill county rate applies countywide for fiscal year 2025-2026, but total rates vary significantly by location. For example:

  • Properties in Stroudsburg Area School District will have different total rates than those in East Stroudsburg Area School District
  • Special taxing districts for fire protection, sewer, or other services add additional mills
  • Municipal rates vary from township to township and borough to borough

Contact your local tax collector or the Monroe County Assessment Office for your complete tax rate breakdown including all applicable districts.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Monroe 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 property taxes in Monroe County are additional tax bills issued when there are changes to a property's assessed value during the current tax year. The most common triggers include new construction completion, property improvements that increase value, ownership transfers that prompt reassessment, or corrections to previous assessments.

When a supplemental assessment occurs, the county calculates the difference between the old and new assessed values, then applies the current tax rate to determine the additional tax owed. This supplemental tax is prorated based on the number of months remaining in the fiscal year from the effective date of the change.

Example: If you complete a $100,000 home addition in January and it increases your assessed value by $80,000, you would owe supplemental taxes on that $80,000 increase. At Monroe County's 28.67 mill rate, this would equal $2,293.60 for the county portion alone ($80,000 ÷ 1,000 × 28.67 mills), plus additional amounts for school district and municipal taxes. Since the improvement was completed in January, you'd owe the full annual amount, but if completed mid-year, it would be prorated accordingly.

Example Calculation

Property Value: $300,000

  • Assessed Value: $300,000
  • Less: Homestead Credit: -$0 (requires application - not automatic)
  • Net Taxable Value: $300,000
  • County Tax (28.67 mills): $8,601
  • Monthly Escrow Estimate: $717 (county portion only)

Property Value: $600,000

  • Assessed Value: $600,000
  • Less: Homestead Credit: -$0 (requires application by March 1st)
  • Net Taxable Value: $600,000
  • County Tax (28.67 mills): $17,202
  • Monthly Escrow Estimate: $1,434 (county portion only)

Property Value: $1,000,000

  • Assessed Value: $1,000,000
  • Less: Homestead Credit: -$0 (must apply annually)
  • Net Taxable Value: $1,000,000
  • County Tax (28.67 mills): $28,670
  • Monthly Escrow Estimate: $2,389 (county portion only)

Important Notes:

  • These examples show ONLY the Monroe County portion of your taxes
  • Add school district (15-25+ mills) and municipal taxes for total obligation
  • Homestead exclusions require annual application by March 1st deadline
  • Credits reduce your tax bill but are NOT automatic - you must apply

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Section 5

Escrow & Property Taxes

Most Monroe County homeowners with mortgages have their property taxes collected through escrow accounts managed by their lender. Your mortgage servicer estimates your annual property tax obligation and divides it by 12 to determine your monthly escrow payment, which is added to your principal and interest payment.

Monroe County property taxes are due April 30th annually, and your lender will typically pay these taxes on your behalf from your escrow account. Lenders usually maintain a cushion in your escrow account (typically 2 months of payments) to ensure sufficient funds are available when taxes are due. Your escrow account is analyzed annually, and your monthly payment may be adjusted based on actual tax bills and account balance.

It's crucial to verify that your lender has current information about all applicable tax bills, including county, school district, and municipal taxes. You should receive an annual escrow analysis statement showing how your funds were used and any adjustments to your monthly payment. If you have questions about escrow payments, contact your mortgage servicer directly, as Monroe County sends tax bills to property owners even when taxes are paid through escrow.

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 Monroe County property taxes due for fiscal year 2025-2026? A: The annual property tax payment is due April 30th. Second notices are sent in May to property owners who haven't paid in full, and taxes become delinquent on August 20th.

Q: What tax credits are available and do I get them automatically? A: The primary credit available is the Homestead/Farmstead exclusion, but it is NOT automatic. You must apply by March 1st annually. This credit limits assessment increases on your primary residence, not reduces the market value. Contact Monroe County Assessment at One Quaker Plaza for applications.

Q: How does the Homestead credit work? A: The Homestead exclusion caps the amount your assessment can increase year-over-year, protecting you from dramatic tax increases due to rising property values. It does NOT reduce your home's assessed value - it limits future assessment growth. You must apply by March 1st each year, and it only applies to your primary residence.

Q: Can I pay my taxes online? A: Yes, Monroe County accepts online tax payments, though a convenience fee applies. This service is available for real estate, personal property, and motor vehicle taxes.

Q: What happens if I pay late? A: Properties with unpaid taxes after April 30th receive second notices in May. Taxes become delinquent on August 20th, and a list of delinquent properties is published on August 15th. Additional penalties and interest accrue on delinquent amounts.

Q: How often does Monroe County reassess properties? A: Assessment schedules vary, but Monroe County periodically conducts countywide reassessments. Property owners receive notice of assessment changes and have appeal rights during specified periods.

Q: Why is my tax rate different from my neighbor's? A: While Monroe County's rate is 28.67 mills countywide, your total rate includes school district taxes, municipal taxes, and special district assessments that vary by location. Two properties in different school districts or municipalities will have different total rates.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed during designated appeal periods following reassessments or informal review processes. Contact the Monroe County Assessment Office for current appeal procedures and deadlines.

Q: What properties qualify for the Homestead exclusion? A: Only your primary residence qualifies for the Homestead exclusion. Investment properties, vacation homes, and rental properties do not qualify. You must own and occupy the property as your primary residence and apply by the March 1st deadline.

Q: Do senior citizens get automatic tax reductions? A: No tax reductions are automatic. However, Pennsylvania offers various programs for qualifying seniors, including the Property Tax Rebate Program. These require separate applications and have specific income and age requirements. Contact Monroe County Assessment for information about available programs.

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