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Updated 2025 Tax Year

Bayfield County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
County: 3.49 mills ($337 per $100K); Total rates vary by municipality and school district
Exemptions
5+ Available
Section 1

How Property Tax Works

Bayfield County, Wisconsin operates on a property tax system that funds essential local services including schools, county operations, municipal services, and special districts. Property taxes are the primary funding source for these services, with the tax burden distributed among property owners based on their property's assessed value. The 2025 mill rate for Bayfield County is 3.49 mills, meaning property owners pay $337 in county taxes for every $100,000 of assessed value.

Property tax rates in Bayfield County vary significantly by location within the county due to different combinations of special taxing districts, school districts, and municipal services. Your total property tax bill includes charges from multiple entities: the county, your local municipality (town, city, or village), school district, and any applicable special districts such as fire departments, library districts, or lake districts. The effective tax rate typically ranges from approximately 1.5% to 2.5% of assessed value, depending on your specific location and the services provided in your area.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
County Levy3.49Bayfield County operations, services, and infrastructure
School DistrictsVariesLocal school district operations and debt service
MunicipalVariesTown, city, or village services
Technical CollegeVariesWisconsin Indianhead Technical College district
Special DistrictsVariesFire, ambulance, library, lake management districts

Rates shown are for levy year 2025. The county mill rate of 3.49 applies countywide, while other components vary significantly by location. School district rates can range from 8-15 mills, municipal rates typically range from 2-8 mills, and special district rates vary from 0.5-3 mills each. Your total mill rate depends on which combination of districts serve your specific property location.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Bayfield 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 Wisconsin are relatively uncommon compared to other states, as property assessments typically occur on an annual cycle. However, supplemental taxes may be triggered by new construction completed after the assessment date (typically January 1st), major improvements that weren't captured in the regular assessment, or corrections to assessment errors discovered during the tax year. When supplemental taxes are levied, they're calculated by applying the current mill rate to the additional assessed value.

For example, if you complete a $50,000 home addition after January 1st that wasn't included in your regular assessment, and your total mill rate is 20 mills, you could face a supplemental tax of approximately $1,000 ($50,000 × 0.020) for the remaining portion of the tax year. The supplemental tax would be prorated based on how many months remain in the tax year when the improvement is completed and assessed.

Example Calculation

Example 1: $300,000 Home (Mill Rate: 18.0)

  • Assessed Value: $300,000
  • School Tax Credit Applied: -$1,200 (requires application)
  • Net Taxable Value: $300,000
  • Annual Tax: $5,400 ($300,000 × 0.018)
  • Net Annual Tax After Credits: $4,200
  • Monthly Escrow: $350

Example 2: $600,000 Home (Mill Rate: 20.5)

  • Assessed Value: $600,000
  • School Tax Credit Applied: -$1,200 (requires application)
  • First Dollar Credit Applied: -$150 (requires application)
  • Net Taxable Value: $600,000
  • Annual Tax: $12,300 ($600,000 × 0.0205)
  • Net Annual Tax After Credits: $10,950
  • Monthly Escrow: $913

Example 3: $1,000,000 Home (Mill Rate: 19.2)

  • Assessed Value: $1,000,000
  • School Tax Credit Applied: -$1,200 (requires application)
  • First Dollar Credit Applied: -$150 (requires application)
  • Net Taxable Value: $1,000,000
  • Annual Tax: $19,200 ($1,000,000 × 0.0192)
  • Net Annual Tax After Credits: $17,850
  • Monthly Escrow: $1,488

Note: All tax credits require annual application and are not automatically applied. Mill rates vary by specific location within Bayfield County.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Bayfield County require borrowers to maintain an escrow account for property taxes, especially when the loan-to-value ratio exceeds 80%. Your lender collects monthly escrow payments along with your mortgage payment, typically calculating 1/12th of your annual tax bill plus a small cushion as required by federal law. Since property tax bills in Bayfield County are mailed in mid to late December with payment due January 31st, lenders typically pay the full annual amount in January.

Lenders are required to provide an annual escrow analysis showing how your escrow funds were used and any adjustments needed for the coming year. If your property taxes increase due to assessment changes or mill rate increases, your monthly escrow payment will be adjusted accordingly. You should receive your property tax bill directly even with an escrow account, allowing you to verify the amount and ensure your lender pays correctly and on time.

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 property taxes due in Bayfield County? A: For tax year 2025, the first installment or full payment is due January 31, 2026. Property tax bills are mailed in mid to late December. You can pay the full amount by January 31st or pay in installments if your municipality offers that option.

Q: What tax credits are available and how do I apply? A: Wisconsin offers several tax credits including the School Tax Credit (up to $1,200), First Dollar Credit (typically around $150), and Lottery Credit. These credits reduce your tax bill but require annual application through the Wisconsin Department of Revenue. Applications are typically due by March 1st for the current tax year.

Q: How does the Homestead Credit work? A: The Homestead Credit limits annual assessment increases on your primary residence, typically capping increases at a certain percentage. This is not an exemption that reduces market value, but rather limits how much your taxable assessment can increase year-over-year. You must file annually to maintain this benefit.

Q: When are properties reassessed in Bayfield County? A: Wisconsin law requires annual assessments, with the assessment date being January 1st of each year. Assessment notices are typically mailed in spring, and you have the right to meet with the assessor to discuss your assessment before formal appeal deadlines.

Q: What are the penalties for late payment? A: Late payments are subject to interest charges as specified in Wisconsin state law. Interest typically begins accruing February 1st for payments not received by January 31st. Continued non-payment can eventually lead to tax deed proceedings.

Q: Can I pay property taxes online? A: Payment options vary by municipality within Bayfield County. Many towns, cities, and villages now offer online payment options. Check with your specific municipal treasurer or visit the Bayfield County website for links to local payment portals.

Q: Why do property tax rates vary within Bayfield County? A: Your total mill rate depends on which combination of taxing districts serve your property. These include your school district, municipality (town/city/village), and special districts like fire departments, libraries, or lake management districts. Properties in different areas are served by different combinations of these districts.

Q: How do I appeal my property assessment? A: You can first meet informally with the assessor, then file a formal appeal with your local Board of Review if necessary. Appeals must typically be filed by specific deadlines in spring. If unsatisfied with the Board of Review decision, you can appeal to the Wisconsin Tax Appeals Commission.

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