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Updated 2025 Tax Year

Eau Claire County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
Varies by location within county due to different taxing jurisdictions (city, school district, special districts)
Exemptions
5+ Available
Section 1

How Property Tax Works

Eau Claire County, Wisconsin operates on a property tax system that funds essential local services including schools, county government operations, municipal services, and various special districts. Property taxes are the primary revenue source for local governments in the county, supporting everything from public safety and road maintenance to education and library services. The county uses a mill rate system where taxes are calculated based on the assessed value of your property multiplied by the applicable tax rate.

Property tax rates in Eau Claire County vary significantly by location within the county due to different combinations of taxing jurisdictions. Your total tax rate depends on which city, town, or village you live in, which school district serves your area, and what special districts (such as technical college districts, lake districts, or fire districts) apply to your property. The county-wide base rate is approximately 1% of assessed value, but your actual effective rate may be higher or lower depending on your specific location and the services provided in your area.

The county assesses properties at fair market value without a statutory assessment cap, meaning assessed values can increase based on market conditions and property improvements. Tax bills are typically mailed in early December, with property owners having options for full payment or installment payments throughout the tax year.

Section 2

What Makes Up Your Tax Bill

ComponentApproximate Rate RangeDescription
County Levy2.5-3.5 millsCounty government operations, courts, social services
School District8-12 millsK-12 education, varies significantly by district
Municipal3-8 millsCity/town/village services, varies by municipality
Technical College1-2 millsWisconsin Indianhead Technical College district
State Forestry0.1-0.3 millsState forestry tax where applicable
Special Districts0.5-3 millsFire, lake, sanitary districts (location dependent)
Total Estimated15-25 millsActual rate depends on your specific location

Note: These rates apply to the 2025 tax levy year (FY 2025-2026). One mill equals $1 per $1,000 of assessed value. Your actual tax rate will depend on the specific combination of taxing jurisdictions where your property is located. The county uses an assessment ratio of approximately 63.12% for calculating estimated fair market value on tax bills.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Eau Claire 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 Eau Claire County are additional tax assessments that occur when there are significant changes to a property after the annual assessment date but before the end of the tax year. The most common triggers for supplemental taxes include new construction completion, major improvements or additions to existing structures, ownership changes that reveal previously unreported improvements, or corrections to assessment errors that result in higher valuations.

Supplemental taxes are calculated by determining the difference between the original assessed value and the new assessed value, then applying the current tax rate to that difference. The supplemental tax is prorated based on the number of months remaining in the tax year from the date the change became effective.

Example: If you complete a $50,000 home addition in March and your property tax rate is 20 mills ($20 per $1,000), your supplemental tax would be calculated as: $50,000 × 0.020 = $1,000 annual increase. Since 10 months remain in the tax year (March through December), your supplemental tax bill would be approximately $833 ($1,000 × 10/12 months). This supplemental amount would be added to your regular property tax bill.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • School Tax Credit Applied: -$1,200 (requires application)
  • Lottery & Gaming Credit: -$300 (automatic)
  • Net Taxable Value: $300,000
  • Tax Rate: 18 mills ($18 per $1,000)
  • Annual Tax: $5,400
  • Monthly Escrow: $450

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • School Tax Credit Applied: -$1,200 (requires application)
  • Lottery & Gaming Credit: -$300 (automatic)
  • Net Taxable Value: $600,000
  • Tax Rate: 20 mills ($20 per $1,000)
  • Annual Tax: $12,000
  • Monthly Escrow: $1,000

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • School Tax Credit Applied: -$1,200 (requires application)
  • Lottery & Gaming Credit: -$300 (automatic)
  • Net Taxable Value: $1,000,000
  • Tax Rate: 22 mills ($22 per $1,000)
  • Annual Tax: $22,000
  • Monthly Escrow: $1,833

Note: Tax credits shown require annual application and have specific eligibility requirements. Rates vary by specific location within the county. These examples use estimated composite rates for illustration purposes.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Eau Claire County require borrowers to maintain an escrow account for property tax payments, especially when the loan-to-value ratio exceeds 80%. Your lender will estimate your annual property tax liability and divide it by 12 to determine your monthly escrow payment, which is collected along with your mortgage payment. Lenders typically maintain a cushion of 2-6 months of tax payments in the account to ensure adequate funds are available when tax bills are due.

Property tax payments from escrow accounts are typically made by your lender in two installments: the first installment or full payment by January 31st, and the second installment by July 31st if you chose the installment option. Your lender will receive tax bills directly from the county and handle the payment process. However, you should verify that payments are made on time, as you remain ultimately responsible for ensuring your taxes are paid.

Each year, your lender will conduct an escrow analysis to compare actual tax payments with collected escrow funds. If your property taxes increase due to reassessment or rate changes, your monthly escrow payment will be adjusted accordingly. You'll receive an annual escrow statement showing all activity in your account, and any shortage or surplus will be addressed through payment adjustments or refunds as required by federal regulations.

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 Eau Claire County for the current tax year? A: For the 2025 tax year, the first installment or full payment is due January 31, 2026. If you choose to pay in installments, the second installment is due July 31, 2026. Tax bills are typically mailed around December 5th.

Q: What tax credits are available and do they require application? A: The main tax credit is the School Tax Credit (up to $1,200 annually), which requires an annual application filed with the Wisconsin Department of Revenue. The Lottery and Gaming Credit is applied automatically. A Homestead Credit may be available for eligible homeowners with limited income, but this requires application and has specific income thresholds.

Q: How does the Homestead Credit work? A: The Homestead Credit is designed to limit property tax increases for eligible homeowners, particularly seniors and those with limited incomes. It caps the amount your property taxes can increase from year to year, but it does NOT reduce your property's assessed market value. You must file an application annually with the Wisconsin Department of Revenue to receive this credit.

Q: How often are properties reassessed in Eau Claire County? A: Wisconsin law requires all properties to be assessed annually at fair market value. The county assessor's office reviews property values each year, with some properties receiving detailed inspections on a rotating cycle. Assessment notices are typically mailed in late spring.

Q: What are the penalties for late property tax payments? A: Interest charges begin accruing on unpaid taxes after the due dates. The interest rate is set annually by state law. Additionally, if taxes remain unpaid for extended periods, the county may initiate tax deed proceedings to collect the debt.

Q: Can I pay my property taxes online? A: Yes, Eau Claire County offers online payment options through their official website. You can pay by electronic check or credit card, though credit card payments typically include a convenience fee charged by the payment processor.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the local Board of Review, typically meeting in May each year. You have specific deadlines to file your appeal after receiving your assessment notice. The process allows you to present evidence that your property is overassessed compared to similar properties.

Q: Why did my taxes increase even though rates didn't change? A: Property taxes can increase due to several factors: increased assessed value due to market appreciation, completion of improvements or additions to your property, or changes in special district assessments. Even if the tax rate remains stable, higher assessed values result in higher tax bills.

Q: What special district taxes might apply to my property? A: Depending on your location, you may pay taxes to fire protection districts, lake management districts, sanitary districts, or other special purpose governments. These appear as separate line items on your tax bill and fund specific services in your area.

Q: How do I verify that my mortgage company paid my taxes correctly? A: You can check payment status on the Eau Claire County website using your property's parcel number, or contact the county treasurer's office directly. Your mortgage servicer should provide you with copies of tax payment receipts, and you can request these if not provided automatically.

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