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Updated 2025 Tax Year

Louisa County
Property Tax Guide

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

10 Official Sources
8 min read
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Quick Facts
Tax Rate
$0.72 per $100 of assessed value (base rate FY 2026), may vary by special taxing districts
Exemptions
4+ Available
Section 1

How Property Tax Works

Louisa County operates on one of the most taxpayer-friendly property tax systems in Virginia, with a base tax rate of $0.72 per $100 of assessed value for FY 2026. This property tax system funds essential county services including public schools, law enforcement, fire and rescue services, road maintenance, and local government operations. The county's relatively low tax rate makes it an attractive location for homeowners compared to neighboring jurisdictions in Central Virginia.

Property taxes in Louisa County are calculated based on the assessed value of real estate as determined by the county assessor's office. While the base rate applies county-wide, property owners should note that actual tax bills may vary depending on location within special taxing districts or assessment areas. The county offers several tax credits for qualifying residents, though these require formal application and are not automatically applied to tax bills.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100)Description
Base Real Estate Tax$0.72General county operations and services (FY 2026)
Personal Property TaxVariesMotor vehicles, boats, trailers
Business Equipment TaxVariesCommercial and business personal property

Note: Tax rates are for Fiscal Year 2026 and may vary by special taxing districts within the county. The FY26 rate includes rebate provisions that effectively lower the stated $0.72 rate. Contact the Louisa County Commissioner of Revenue for district-specific rates.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Louisa 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 tax bills are issued when property ownership changes, new construction is completed, or improvements are made that increase assessed value during the tax year. These supplemental assessments capture the pro-rated tax difference between the old and new assessed values for the remaining portion of the fiscal year. For example, if a property's assessed value increases from $400,000 to $500,000 due to completed renovations in March, the owner would receive a supplemental bill for the additional tax on the $100,000 increase, calculated from March through the end of the fiscal year. Supplemental tax bills are due within fourteen (14) days after assessment.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Less: Homestead Credit (if qualified): -$0
  • Net Taxable Value: $300,000
  • Annual Tax: $300,000 ÷ 100 × $0.72 = $2,160
  • Monthly Escrow: $180

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Less: Senior/Disabled Credit (if qualified): Variable
  • Net Taxable Value: $600,000
  • Annual Tax: $600,000 ÷ 100 × $0.72 = $4,320
  • Monthly Escrow: $360

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Less: Available Credits (if qualified): Variable
  • Net Taxable Value: $1,000,000
  • Annual Tax: $1,000,000 ÷ 100 × $0.72 = $7,200
  • Monthly Escrow: $600

Note: Tax credits require application and qualification. Contact the Commissioner of Revenue for specific credit amounts and eligibility.

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Section 5

Escrow & Property Taxes

Most mortgage lenders require property tax payments to be held in escrow accounts, collecting monthly payments along with principal and interest. Lenders typically collect 1/12 of the annual property tax bill each month, plus additional amounts to maintain required reserves. In Louisa County, with property taxes due December 5th, lenders usually make payments directly to the county before the due date. Property owners should verify that their lender has current contact information for Louisa County's tax collection office and review their annual escrow analysis statements to ensure adequate funds are being collected. If you pay taxes independently, ensure payments are received by December 5th to avoid the 10% penalty that begins December 6th.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
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Section 6

Frequently Asked Questions

Q: When are property taxes due in Louisa County for FY 2026? A: Property taxes are due December 5th annually. Late payments incur a 10% penalty starting December 6th.

Q: What tax credits are available and do they apply automatically? A: Credits include senior/disabled citizen credits and other qualifying programs. Credits are NOT automatic and require annual application to the Commissioner of Revenue before established deadlines.

Q: Does Louisa County offer a homestead credit? A: Contact the Commissioner of Revenue to determine available homestead programs. Any homestead credit would cap annual assessment increases rather than reduce market value and requires formal application.

Q: How often are properties reassessed? A: Contact the Louisa County Assessor's office for the current reassessment schedule and appeal process information.

Q: Can I pay property taxes online? A: Check with Louisa County's official website or contact the Treasurer's office for available online payment options and accepted payment methods.

Q: What happens if I disagree with my assessment? A: Property owners have the right to appeal assessments. Contact the Board of Equalization during designated appeal periods for procedures and deadlines.

Q: Are there special district taxes in Louisa County? A: Tax rates may vary by location within the county due to special taxing districts. Contact the Commissioner of Revenue to determine if your property is subject to additional district assessments.

Q: What is the income limit for senior tax credits? A: Based on available information, combined household income cannot exceed $40,000 for certain exemptions. Contact the Commissioner of Revenue for current income limits and application requirements for senior credits.

Verified Sources

Backed by 10 Official Government Sources

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

01
County
News Flash • Louisa County, VAlouisacounty.gov
02
County
Louisa County Board of Supervisors Approve Rebate ...louisacounty.gov
03
County
louisa county board of supervisors discuss tax rebatelouisacounty.gov
04
County
Due Date, Late Penalty & Interest | Louisa County, VAlouisacounty.gov
05
Tax Doc
Tax Payments & Deadlineslouisacounty.gov
06
County
Real Estate | Louisa County, VAlouisacounty.gov
07
State
Real Estate Exemption From Taxation Form (PDF)louisacounty.gov
08
County
Taxes | Louisa County, VAlouisacounty.gov
09
County
Important Links | Louisa County, VAlouisacounty.gov
10
County
County Office | Louisa County, VAlouisacounty.gov
All sources verified as of 2025 Tax Year

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