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Updated 2025 Tax Year

Jones County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
Approximately 0.50% effective rate (varies by taxing district combinations)
Exemptions
5+ Available
Section 1

How Property Tax Works

Jones County, South Dakota operates on a property tax system that serves as the primary funding mechanism for essential local services including schools, roads, law enforcement, and county operations. Property taxes in Jones County are administered by the County Auditor's office and collected by the County Treasurer, with assessments conducted by the Director of Equalization who evaluates all real property at its full and true value as of the assessment date.

The effective property tax rate in Jones County for the 2025 levy year is approximately 0.50% of assessed value, though actual rates vary by location within the county due to different combinations of special taxing districts such as school districts, fire districts, and other local service areas. South Dakota uses an assessment ratio of 85% of full and true value for most residential properties, meaning your taxable assessed value equals 85% of your property's market value. Property owners should note that most tax credits and exemptions require annual application and are not automatically applied to your tax bill.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
County General~0.15%County operations, roads, sheriff
School District~0.25%K-12 education (varies by district)
Township/Municipality~0.05%Local services (if applicable)
Fire District~0.03%Fire protection services (if applicable)
Other Special Districts~0.02%Library, water, other services (varies)
Total Effective Rate~0.50%Combined rate for 2025 levy year

Note: These rates apply to the 2025 levy year and are based on assessed value (85% of market value). Actual rates vary significantly by location within Jones County depending on which special taxing districts serve your property. Contact the Jones County Auditor's office at the courthouse in Murdo for your specific district combination and exact rates.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Jones 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 Jones County are additional property tax bills issued when there are mid-year changes to property ownership, new construction completion, or significant improvements that increase a property's assessed value during the tax year. These taxes cover the difference between what was originally billed and what should have been billed based on the property's updated status.

Supplemental taxes are calculated by taking the difference between the new assessed value and the original assessed value, multiplying by the applicable tax rate, and prorating for the remaining months in the tax year. For example, if you complete a $100,000 home addition in March that increases your assessed value by $85,000 (85% of market value), and your total tax rate is 0.50%, you would owe approximately $318 in supplemental taxes ($85,000 × 0.50% × 9/12 months remaining). Supplemental tax bills are typically issued within 30-90 days of the assessor receiving notice of the change and have the same payment terms as regular property tax bills.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (85%): $255,000
  • Less: Senior/Disabled Credit (if applicable): -$4,000
  • Net Taxable Value: $251,000
  • Annual Tax (0.50%): $1,255
  • Monthly Escrow: $105

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (85%): $510,000
  • Less: Homestead Credit (if applicable): -$6,000
  • Net Taxable Value: $504,000
  • Annual Tax (0.50%): $2,520
  • Monthly Escrow: $210

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (85%): $850,000
  • Less: Agricultural Land Credit (if applicable): -$5,000
  • Net Taxable Value: $845,000
  • Annual Tax (0.50%): $4,225
  • Monthly Escrow: $352

Note: All credits shown require annual application and approval. Credits reduce your tax bill, not your assessed value. Contact the Jones County Auditor for current credit amounts and application requirements.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Jones County require property tax escrow accounts to ensure timely payment of property taxes. Your lender collects 1/12 of your estimated annual property tax bill with each monthly mortgage payment, deposits these funds in an escrow account, and pays your property taxes directly to Jones County when due. Lenders typically maintain a cushion of 1-2 months of payments in your escrow account to cover potential tax increases.

Jones County property taxes are due in two installments: the first half by July 1st and the second half by October 1st of each year. Your lender will receive tax bills directly and make payments on your behalf. You should receive an annual escrow analysis from your lender showing projected taxes for the coming year and any adjustments to your monthly payment. If your taxes increase due to reassessment or rate changes, your lender may require additional escrow payments to cover shortfalls. Property owners can verify that taxes have been paid by checking with the Jones County Treasurer's office or visiting the county website for payment records.

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 Jones County property taxes due for the 2025 tax year? A: Property taxes are due in two installments: first half by July 1, 2025, and second half by October 1, 2025. Payments received after these dates are subject to penalty and interest charges.

Q: What tax credits are available and do I need to apply? A: South Dakota offers several tax credits including homestead credits for primary residences, senior/disabled person credits, and agricultural land credits. All credits require annual application with the Jones County Auditor's office 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 to no more than a certain percentage (typically 10%) rather than reducing your property's market value. You must file an application with the County Auditor to receive this credit each year.

Q: How often are properties reassessed in Jones County? A: South Dakota law requires properties to be assessed annually at full and true value. The Director of Equalization reviews property values each year, with formal revaluations conducted periodically to ensure assessments reflect current market conditions.

Q: Can I appeal my property tax assessment? A: Yes, property owners can appeal their assessment by filing a petition with the County Board of Equalization. Appeals must typically be filed by June 1st following the assessment. Contact the Jones County Auditor's office for specific forms and procedures.

Q: What penalties apply for late property tax payments? A: Late payments are subject to penalty and interest charges as specified in South Dakota law. Contact the Jones County Treasurer's office for current penalty rates and payment options for delinquent accounts.

Q: Can I pay my property taxes online? A: Check with the Jones County Treasurer's office for current online payment options and accepted methods. Many South Dakota counties offer online payment systems for property taxes.

Q: How do special district taxes affect my bill? A: Your total property tax includes levies from all taxing districts that serve your property, such as school districts, fire districts, and library districts. The combination of districts varies by location within Jones County, which is why tax rates differ across the county.

Q: What happens if I don't pay my property taxes? A: Unpaid property taxes become a lien on your property and may eventually result in tax deed proceedings where the county can sell your property to recover unpaid taxes. Contact the County Treasurer immediately if you're having difficulty paying to discuss payment plan options.

Q: How can I find out which taxing districts serve my property? A: Contact the Jones County Auditor's office with your property address or parcel number to determine which school district, fire district, and other special districts serve your property and contribute to your tax bill.

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