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Updated 2025 Tax Year

Union County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
22.5 mills ($22.50 per $1,000 assessed value), varies by district with municipal and school additions
Exemptions
5+ Available
Section 1

How Property Tax Works

Union County, Pennsylvania operates on a property tax system that serves as the primary funding mechanism for local government services, including schools, municipal operations, emergency services, and infrastructure maintenance. Property taxes in Union County are assessed annually based on the assessed value of real estate, with the current tax rate set at 22.5 mills for the 2025 levy year. This translates to $22.50 per $1,000 of assessed value, resulting in an effective tax rate of approximately 2.25% of assessed value.

It's important to note that actual tax rates can vary significantly by location within Union County due to special taxing districts, municipal taxes, and school district assessments that may be levied in addition to the base county rate. Property owners should verify their specific tax burden by consulting their annual tax statement, as residents in different municipalities, school districts, or special assessment areas may face different total rates. The county's assessment practices follow Pennsylvania state guidelines, with properties assessed based on market value and various tax credits available to qualifying property owners who submit proper applications.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
County Base Rate22.5Core county services, administration, courts (FY 2025)
School DistrictVariesLocal school district taxes (varies by district)
Municipal TaxVariesCity/township taxes (varies by municipality)
Special DistrictsVariesFire districts, sewer districts, lighting districts
Total Effective Rate~25-35 millsCombined rate varies by location within county

Note: The 22.5 mill rate applies to the 2025 levy year and represents only the county portion of property taxes. School district rates typically add another 15-25 mills, while municipal rates can add 2-8 mills depending on your specific location. Special taxing districts for services like fire protection, sewer, or street lighting may impose additional assessments. Property owners should consult their annual tax statement for their complete rate breakdown specific to their address.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Union 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 Union County are triggered by significant changes to a property that occur after the annual assessment date, primarily including ownership transfers, new construction completion, major renovations, or property improvements that increase assessed value. When these qualifying events occur, the county assessor calculates a prorated tax based on the difference between the old and new assessed values for the remaining portion of the current tax year.

The supplemental tax is calculated by taking the difference in assessed value, multiplying by the applicable tax rate, and prorating for the number of months remaining in the tax year. For example, if a property's assessed value increases from $200,000 to $300,000 due to completed renovations in July, and the total tax rate is 30 mills, the supplemental tax would be: ($300,000 - $200,000) × 0.030 × (6 months remaining ÷ 12 months) = $1,500. Supplemental tax bills are typically issued within 60-90 days of the triggering event and are due within 30 days of the issue date.

Example Calculation

Example 1: $300,000 Property

  • Assessed Value: $300,000
  • Less: Homestead Credit (if applied): -$18,000 (typical 6% assessment cap benefit)
  • Net Taxable Value: $282,000
  • Tax Rate: 30 mills (estimated total rate)
  • Annual Tax: $8,460
  • Monthly Payment: $705

Example 2: $600,000 Property

  • Assessed Value: $600,000
  • Less: Homestead Credit (if applied): -$36,000
  • Net Taxable Value: $564,000
  • Tax Rate: 30 mills
  • Annual Tax: $16,920
  • Monthly Payment: $1,410

Example 3: $1,000,000 Property

  • Assessed Value: $1,000,000
  • Less: Homestead Credit (if applied): -$60,000
  • Net Taxable Value: $940,000
  • Tax Rate: 30 mills
  • Annual Tax: $28,200
  • Monthly Payment: $2,350

Note: These examples use an estimated combined rate of 30 mills and assume qualification for the Homestead Credit, which requires a separate application and limits assessment increases rather than providing a fixed reduction. Actual rates vary by specific location within Union County.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Union County require property tax escrow accounts for borrowers with less than 20% down payment, though some lenders mandate escrow regardless of down payment amount. The lender collects 1/12 of the estimated annual property tax bill with each monthly mortgage payment, depositing these funds into an escrow account. Given Union County's typical payment schedule with installments due around January 15 and July 15, lenders generally pay the county directly on behalf of homeowners before these due dates.

Property owners with escrow accounts should receive an annual escrow analysis from their lender, typically in late fall, showing the account balance, projected tax payments, and any required monthly payment adjustments. It's crucial to verify that your lender has current tax information, as Union County tax changes, assessment updates, or newly applied tax credits may not be immediately reflected in your escrow calculations. Homeowners can contact Union County's tax office directly to confirm their current tax liability and ensure their lender is paying the correct amount. If you pay taxes independently without escrow, mark your calendar for the January and July payment deadlines 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 Union County property taxes due for the 2025 tax year? A: Property taxes are typically due in two installments: the first installment by January 15, 2025, and the second installment by July 15, 2025. Check with Union County's tax office for exact dates as these may vary slightly.

Q: What tax credits are available and do they require application? A: The primary tax credit is the Homestead Exemption, which caps assessment increases and requires a one-time application. Senior citizens, disabled veterans, and low-income households may qualify for additional tax credits, but ALL credits require separate applications and are not automatically applied to your tax bill.

Q: How does the Homestead Credit work? A: The Homestead Credit limits annual assessment increases on your primary residence rather than reducing market value. Once approved, it typically caps assessment growth, providing tax stability. You must apply once, but reapplication may be required if your deed changes due to refinancing or ownership transfers.

Q: What is the deadline to apply for tax credits? A: Homestead applications are typically due by March 1st annually, though Union County may accept late applications. Contact the county assessor's office for specific deadlines and required documentation for various tax credit programs.

Q: How often are properties reassessed in Union County? A: Pennsylvania counties conduct reassessments periodically, though schedules vary. Union County conducts countywide reassessments as needed, typically every 5-10 years. Property owners can appeal assessments within designated timeframes following reassessment notices.

Q: What penalties apply for late tax payments? A: Late payments typically incur penalties and interest charges. The exact penalty structure varies, but generally includes a percentage penalty plus monthly interest. Contact Union County's tax office for current penalty rates and payment options.

Q: Can I pay property taxes online? A: Many Pennsylvania counties offer online payment options. Check Union County's official website or contact their tax office to verify available online payment methods, accepted forms of payment, and any associated processing fees.

Q: Why do tax rates vary within Union County? A: Total tax rates vary because properties may be subject to different combinations of school district taxes, municipal taxes, and special district assessments for services like fire protection, sewer systems, or street lighting. Your specific rate depends on your property's location and the taxing jurisdictions that serve your area.

Q: How do I appeal my property assessment? A: Property owners can appeal assessments by filing with Union County's Board of Assessment Appeals, typically within 40 days of receiving an assessment notice. The appeal process may require evidence of comparable property values, recent appraisals, or documentation of property condition issues.

Q: What triggers a property tax increase? A: Tax increases can result from higher tax rates set by local jurisdictions, property reassessments that increase your assessed value, completion of new construction or major improvements, or loss of previously applied tax credits. Regular assessment updates and municipal budget changes are the most common causes.

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