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Updated 2025 Tax Year

Loudoun County
Property Tax Guide

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

8 Official Sources
8 min read
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Quick Facts
Tax Rate
$0.865 per $100 assessed value (varies by district with municipal and special district additions)
Exemptions
4+ Available
Section 1

How Property Tax Works

Loudoun County, Virginia operates a comprehensive property tax system that serves as the primary funding source for essential county services including schools, public safety, transportation, and parks. The county assesses real property annually at fair market value, with taxes calculated based on a rate per $100 of assessed value. For fiscal year 2025, the base real property tax rate is $0.865 per $100 of assessed value, though actual rates vary by location within the county due to special taxing districts and municipal boundaries.

Property owners should be aware that Loudoun County contains multiple jurisdictions and special districts that can affect total tax liability. Towns within the county may levy additional municipal taxes, and certain areas may be subject to special district assessments for services like transportation or community development. The county also offers several tax credit programs that can reduce your tax bill, but most require annual application and are not automatically applied. Understanding these variations and available credits is essential for accurately estimating your property tax obligation.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100)Fiscal YearDescription
Base Real Property Tax$0.865FY 2025-2026County-wide base rate for all real property
Personal Property Tax$4.15FY 2025-2026Vehicles, boats, aircraft, mobile homes
Municipal TaxesVariesFY 2025-2026Additional taxes in incorporated towns
Special DistrictsVariesFY 2025-2026Transportation, community development districts

Note: Actual tax rates vary significantly by location within Loudoun County. Properties in incorporated towns (Leesburg, Purcellville, Middleburg, Hamilton, Hillsboro, Lovettsville, Round Hill) are subject to additional municipal taxes. Special taxing districts for transportation improvements, community development, and other services may apply additional assessments. Contact the Treasurer's Office to determine the exact rate for your specific property location.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Loudoun 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 are additional property tax bills issued when there are changes to property ownership, new construction completion, or property improvements during the tax year. These taxes are prorated based on the number of months remaining in the fiscal year from when the change becomes effective. Loudoun County issues supplemental personal property tax bills with a due date of December 5 for vehicles and other personal property acquired or moved into the county during the tax year.

For real property, supplemental taxes commonly occur when new construction is completed and receives a certificate of occupancy, when property undergoes major improvements that increase assessed value, or when errors in the original assessment are corrected. The supplemental tax amount is calculated by applying the current tax rate to the increased assessed value, then prorating for the remaining months in the fiscal year. For example, if a $100,000 home addition is completed in January with 5 months remaining in the fiscal year, the supplemental tax would be approximately $361 ($100,000 × $0.865 ÷ 100 × 5 ÷ 12).

Example Calculation

Example 1: $300,000 Home (No Special Districts)

  • Assessed Value: $300,000
  • Homestead Credit Applied: -$500 (requires application)
  • Net Annual Tax: $2,095
  • Monthly Escrow: $175

Example 2: $600,000 Home (With Homestead Credit)

  • Assessed Value: $600,000
  • Homestead Credit Applied: -$500 (requires application)
  • Net Annual Tax: $4,690
  • Monthly Escrow: $391

Example 3: $1,000,000 Home (Senior/Disabled Credit)

  • Assessed Value: $1,000,000
  • Homestead Credit Applied: -$500 (requires application)
  • Senior/Disabled Credit: -$1,000 (requires application, income limits apply)
  • Net Annual Tax: $7,150
  • Monthly Escrow: $596

Note: All tax credits shown require annual application and are not automatically applied. Calculations use the base county rate of $0.865 per $100. Actual taxes may be higher due to special district assessments or municipal taxes depending on property location.

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Section 5

Escrow & Property Taxes

Most mortgage lenders require property tax escrow accounts for Loudoun County properties, collecting monthly payments as part of your mortgage payment to cover annual property tax bills. The lender analyzes your previous year's tax bill and divides by 12 to determine monthly escrow payments, often adding a cushion for potential tax increases. Property taxes in Loudoun County are due December 5 annually, and lenders typically pay the bill directly to the county on your behalf.

Property owners should verify their lender has the correct tax information, especially after refinancing or when moving from a different jurisdiction. The Loudoun County Treasurer's Office maintains current tax records and payment information at https://www.loudoun.gov/652/Treasurer. If you pay taxes independently without escrow, you can make payments online, by mail, or in person. Late payments incur penalties and interest charges, so ensure your lender pays timely or mark December 5 on your calendar for direct payments.

How HonestCasa Helps
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Section 6

Frequently Asked Questions

Q: When are property taxes due in Loudoun County? A: Real property taxes are due December 5 annually for fiscal year 2025-2026. Personal property taxes are due May 5 and October 5. Supplemental personal property taxes are due December 5.

Q: What tax credits are available and do I need to apply? A: Loudoun County offers several tax credits including Homestead ($500 annually), Senior/Disabled (up to $1,000, income limits apply), and Veterans credits. All credits require annual application - none are automatic. Applications typically due by April 1.

Q: How does the Homestead tax credit work? A: The Homestead credit provides up to $500 annually in tax reduction for owner-occupied primary residences. It requires annual application and helps limit assessment increases on your primary residence, but does not reduce the market value assessment itself.

Q: How often is my property assessed? A: Loudoun County conducts annual assessments, with notices typically mailed in early spring. The assessment reflects market value as of January 1 for the following fiscal year beginning July 1.

Q: Can I appeal my assessment and what's the deadline? A: Yes, property owners may appeal assessments by filing with the Board of Equalization. Contact the Assessor's Office at https://www.loudoun.gov/assessor for current appeal deadlines and procedures.

Q: What are the penalties for late payment? A: Late payments incur penalty and interest charges. Contact the Treasurer's Office at https://www.loudoun.gov/652/Treasurer for specific penalty rates and payment options.

Q: Can I pay my taxes online? A: Yes, Loudoun County accepts online payments through the Treasurer's website at https://www.loudoun.gov/652/Treasurer. Multiple payment methods are typically accepted including bank transfers and credit cards.

Q: Why might my tax bill be different from my neighbor's on a similar home? A: Tax bills vary based on assessed value, location within special taxing districts, municipal boundaries, and applied tax credits. Different credit applications or special district boundaries can create significant variations even between similar properties.

Verified Sources

Backed by 8 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

01
County
Loudoun County Assessorloudoun.gov
02
County
Loudoun County Assessorloudoun.gov
03
County
Current Budget | Loudoun County, VA - Official Websiteloudoun.gov
04
Board of Supervisors Adopts Fiscal Year 2026 Budgetloudoun.gov
05
Board of Supervisors Adopts Fiscal Year 2025 Budgetloudoun.gov
06
Tax Doc
Personal Property Taxesloudoun.gov
07
County
Tax Calendar | Loudoun County, VA - Official Websiteloudoun.gov
08
State
Loudoun Supplemental Real Estate & Personal Property ...loudoun.gov
All sources verified as of 2025 Tax Year

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