Owning in Indiana
Data from January 2026
Property tax in Indiana
The typical owner in Indiana pays $1,614 a year, about 0.74% of the home’s value (0.94% nationwide). Here are the exemptions and discounts the state publishes, the deadlines to claim them or appeal, and every county’s figure.
Key numbers in Indiana
- Typical tax
- $1,614
- per year, typical household
- 48% less than the U.S.
- Effective rate
- 0.74%
- tax ÷ value (estimate)
- 21% less than the U.S.
- United States
- 0.94%
- national effective rate
- Exemptions and relief
- 4
- published by the state, with the source
The state's rules
Indiana's rules, in one table
The assessment cap, the homestead exemption, when to protest and when to pay, as Indiana's official source states them. Tap "What the source says" to read the exact text.
| Rule | What Indiana says | Source |
|---|---|---|
| What triggers a new assessment | In Indiana the value is adjusted every year from sales of similar properties ("trending") to bring it closer to market value-in-use. Each year the assessor also inspects about 25% of the county's parcels, over a four-year cycle, to check that each property's records are correct. What the source says“However, the reassessment cycle is now conducted over a four-year period, and approximately 25% of the parcels in each county will be reassessed each year. … Property values are annually adjusted each year in a process known as annual adjustment or trending to bring them closer to market value-in-use. Assessing officials use sales of similar properties to determine the adjustment factor.” | Indiana Department of Local Government Finance (DLGF) Verified November 6, 2026 |
| Homestead exemption | If the home is your principal residence, you get two deductions from its assessed value. The homestead standard deduction steps down under the 2025 law (SEA 1) — $48,000 for the 2025 assessment, $40,000 in 2026, $30,000 in 2027, $20,000 in 2028, $10,000 in 2029 and $0 from 2030 — and the supplemental deduction, a share of the value that remains, rises — 40% for taxes payable in 2026, 46% in 2027, 52% in 2028, 57% in 2029, 62% in 2030 and 66.7% from 2031. You apply with the county auditor by Jan. 15 of the year the taxes are payable; you do not reapply each year, only if the home is sold or the title changes. What the source says· IC 6-1.1-12-37, 6-1.1-12-37.5“For the assessment dates after December 31, 2024 in the following years, the total amount of the deduction is: Homestead Standard Deduction (IC 6-1.1-12-37) in 2025, $48,000; in 2026, $40,000; in 2027, $30,000; in 2028, $20,000; in 2029, $10,000; … Beginning with the 2030 assessment date and each assessment date thereafter, $0. … (A) 40% for taxes first due and payable in 2026. … (B) 46% for taxes first due and payable in 2027. (C) 52% for taxes first due and payable in 2028. (D) 57% for taxes first due and payable in 2029. … (E) 62% for taxes first due and payable in 2030. … (F) 66.7% for taxes first due and payable in 2031. … Complete, sign, and file with the county auditor and satisfy any recording requirements, both on or before January 15 of the calendar year in which the property taxes are first due and payable.” | Indiana Department of Local Government Finance (DLGF) Verified November 6, 2026 |
| Protest deadline One for the whole state | To appeal, you file Form 130 (one petition per parcel) with the assessing official. The deadline is June 15 of the assessment year if the notice of assessment (Form 11) was mailed before May 1; if it was mailed later, or none was sent, the deadline is June 15 of the year the tax bill is mailed. First there is an informal meeting with the assessor; then the county Property Tax Assessment Board of Appeals (PTABOA) decides, with a hearing within 180 days. If you disagree, you can go to the Indiana Board of Tax Review (IBTR) on Form 131. You do not need an appraisal or a representative. If your value rose more than 5%, the assessor generally has the burden of proving it. What the source says“A taxpayer may appeal their assessment by filing the Taxpayer’s Notice to Initiate an Appeal form (“Form 130”) with the assessing official. The taxpayer must file a separate petition for each parcel. The petition may be filed any time after the assessing official’s action, but not later than the following: a) June 15 of the assessment year, if the notice of assessment (Form 11) is mailed by the county before May 1 of the assessment year; or b) June 15 of the year in which the tax bill is mailed by the county treasurer, if the notice of assessment is mailed by the county on or after May 1 of the assessment year. … However, the county or township assessor has the burden of proof in an appeal where the assessment increased by more than 5% over the preceding assessment date.” | Indiana Department of Local Government Finance (DLGF) Verified November 6, 2026 |
| When to pay | The tax is paid in two installments to the county treasurer. The Department lists May 11 and Nov. 10 as the 2026 due dates. If you pay late, the penalty is 5% of the unpaid tax if you pay within 30 days (and owe no back taxes on that property), and 10% after that. What the source says“Current property tax due dates are: May 11, 2026 November 10, 2026 Property tax payments are made to your county treasurer . … For those who pay the tax within 30 days of the due date and do not owe back taxes on the same property, the penalty is 5 percent of the unpaid tax. If you fail to pay your taxes and the penalty within 30 days, the penalty increases to 10 percent of the unpaid tax.” | Indiana Department of Local Government Finance (DLGF) Verified November 6, 2026 |
Not verified yet: Cap on your home, Cap on other property.
Did your assessment go up?By place
Every county, with its figure
What the typical owner pays in each county of Indiana, with the typical home value and the effective rate. Highest tax first.
| Hamilton County | $3,549 | $405,500 | 0.88% |
|---|---|---|---|
| Boone County | $2,919 | $376,200 | 0.78% |
| Hendricks County | $2,482 | $307,600 | 0.81% |
| Porter County | $2,326 | $281,500 | 0.83% |
| Lake County | $2,112 | $230,600 | 0.92% |
| Monroe County | $2,036 | $285,200 | 0.71% |
| Marion County | $2,028 | $224,000 | 0.91% |
| Johnson County | $2,024 | $284,600 | 0.71% |
| Hancock County | $1,806 | $274,800 | 0.66% |
| Dearborn County | $1,789 | $243,400 | 0.74% |
| Bartholomew County | $1,738 | $232,800 | 0.75% |
| Floyd County | $1,736 | $251,000 | 0.69% |
| Elkhart County | $1,717 | $210,400 | 0.82% |
| Clark County | $1,716 | $222,900 | 0.77% |
| Allen County | $1,689 | $214,900 | 0.79% |
| St. Joseph County | $1,665 | $192,800 | 0.86% |
| Warrick County | $1,631 | $242,500 | 0.67% |
| Whitley County | $1,537 | $219,400 | 0.70% |
| Dubois County | $1,514 | $230,100 | 0.66% |
| LaPorte County | $1,503 | $195,500 | 0.77% |
| Franklin County | $1,479 | $249,500 | 0.59% |
| Tippecanoe County | $1,474 | $239,300 | 0.62% |
| Vanderburgh County | $1,474 | $184,000 | 0.80% |
| Shelby County | $1,412 | $212,400 | 0.66% |
| LaGrange County | $1,403 | $255,900 | 0.55% |
| Posey County | $1,384 | $222,900 | 0.62% |
| Adams County | $1,373 | $178,400 | 0.77% |
| Marshall County | $1,362 | $204,900 | 0.66% |
| Daviess County | $1,351 | $197,200 | 0.69% |
| Newton County | $1,323 | $171,500 | 0.77% |
| Vigo County | $1,313 | $148,500 | 0.88% |
| Noble County | $1,310 | $196,800 | 0.67% |
| Ohio County | $1,305 | $213,100 | 0.61% |
| Kosciusko County | $1,303 | $216,000 | 0.60% |
| Gibson County | $1,301 | $180,000 | 0.72% |
| Jefferson County | $1,252 | $194,600 | 0.64% |
| Ripley County | $1,250 | $222,500 | 0.56% |
| Steuben County | $1,242 | $216,200 | 0.57% |
| Decatur County | $1,230 | $199,100 | 0.62% |
| Harrison County | $1,224 | $229,600 | 0.53% |
| Pike County | $1,206 | $154,900 | 0.78% |
| DeKalb County | $1,205 | $194,100 | 0.62% |
| Madison County | $1,192 | $161,300 | 0.74% |
| Howard County | $1,189 | $165,000 | 0.72% |
| Brown County | $1,177 | $269,100 | 0.44% |
| Morgan County | $1,174 | $237,600 | 0.49% |
| Benton County | $1,165 | $151,000 | 0.77% |
| Huntington County | $1,148 | $161,600 | 0.71% |
| Spencer County | $1,147 | $185,200 | 0.62% |
| Owen County | $1,145 | $172,400 | 0.66% |
| Tipton County | $1,139 | $174,600 | 0.65% |
| Wayne County | $1,137 | $140,200 | 0.81% |
| Henry County | $1,124 | $154,400 | 0.73% |
| Montgomery County | $1,116 | $171,800 | 0.65% |
| Union County | $1,116 | $173,500 | 0.64% |
| Perry County | $1,106 | $163,400 | 0.68% |
| Washington County | $1,091 | $172,200 | 0.63% |
| Rush County | $1,079 | $166,800 | 0.65% |
| Wells County | $1,065 | $197,600 | 0.54% |
| Lawrence County | $1,049 | $175,000 | 0.60% |
| Putnam County | $1,042 | $218,900 | 0.48% |
| Delaware County | $1,039 | $139,400 | 0.75% |
| Jasper County | $1,029 | $221,500 | 0.46% |
| Scott County | $1,025 | $158,400 | 0.65% |
| Carroll County | $1,015 | $180,900 | 0.56% |
| Clinton County | $980 | $164,100 | 0.60% |
| Jennings County | $971 | $161,500 | 0.60% |
| Starke County | $967 | $157,700 | 0.61% |
| White County | $953 | $175,900 | 0.54% |
| Fayette County | $949 | $130,700 | 0.73% |
| Knox County | $933 | $137,700 | 0.68% |
| Orange County | $917 | $158,700 | 0.58% |
| Warren County | $914 | $182,500 | 0.50% |
| Cass County | $910 | $133,800 | 0.68% |
| Randolph County | $900 | $113,400 | 0.79% |
| Greene County | $896 | $153,200 | 0.58% |
| Grant County | $884 | $122,300 | 0.72% |
| Jackson County | $881 | $178,300 | 0.49% |
| Crawford County | $880 | $117,700 | 0.75% |
| Blackford County | $873 | $107,500 | 0.81% |
| Martin County | $865 | $159,400 | 0.54% |
| Fountain County | $849 | $143,400 | 0.59% |
| Fulton County | $844 | $156,500 | 0.54% |
| Wabash County | $813 | $157,200 | 0.52% |
| Sullivan County | $799 | $131,100 | 0.61% |
| Switzerland County | $793 | $175,800 | 0.45% |
| Vermillion County | $781 | $113,100 | 0.69% |
| Miami County | $756 | $126,200 | 0.60% |
| Parke County | $735 | $151,200 | 0.49% |
| Pulaski County | $708 | $156,400 | 0.45% |
| Jay County | $707 | $117,500 | 0.60% |
| Clay County | $627 | $153,000 | 0.41% |
- Hamilton $3,5490.88%
- Boone $2,9190.78%
- Hendricks $2,4820.81%
- Porter $2,3260.83%
- Lake $2,1120.92%
- Monroe $2,0360.71%
- Marion $2,0280.91%
- Johnson $2,0240.71%
- Hancock $1,8060.66%
- Dearborn $1,7890.74%
- Bartholomew $1,7380.75%
- Floyd $1,7360.69%
- Elkhart $1,7170.82%
- Clark $1,7160.77%
- Allen $1,6890.79%
- St. Joseph $1,6650.86%
- Warrick $1,6310.67%
- Whitley $1,5370.70%
- Dubois $1,5140.66%
- LaPorte $1,5030.77%
- Franklin $1,4790.59%
- Tippecanoe $1,4740.62%
- Vanderburgh $1,4740.80%
- Shelby $1,4120.66%
- LaGrange $1,4030.55%
- Posey $1,3840.62%
- Adams $1,3730.77%
- Marshall $1,3620.66%
- Daviess $1,3510.69%
- Newton $1,3230.77%
- Vigo $1,3130.88%
- Noble $1,3100.67%
- Ohio $1,3050.61%
- Kosciusko $1,3030.60%
- Gibson $1,3010.72%
- Jefferson $1,2520.64%
- Ripley $1,2500.56%
- Steuben $1,2420.57%
- Decatur $1,2300.62%
- Harrison $1,2240.53%
- Pike $1,2060.78%
- DeKalb $1,2050.62%
- Madison $1,1920.74%
- Howard $1,1890.72%
- Brown $1,1770.44%
- Morgan $1,1740.49%
- Benton $1,1650.77%
- Huntington $1,1480.71%
- Spencer $1,1470.62%
- Owen $1,1450.66%
- Tipton $1,1390.65%
- Wayne $1,1370.81%
- Henry $1,1240.73%
- Montgomery $1,1160.65%
- Union $1,1160.64%
- Perry $1,1060.68%
- Washington $1,0910.63%
- Rush $1,0790.65%
- Wells $1,0650.54%
- Lawrence $1,0490.60%
- Putnam $1,0420.48%
- Delaware $1,0390.75%
- Jasper $1,0290.46%
- Scott $1,0250.65%
- Carroll $1,0150.56%
- Clinton $9800.60%
- Jennings $9710.60%
- Starke $9670.61%
- White $9530.54%
- Fayette $9490.73%
- Knox $9330.68%
- Orange $9170.58%
- Warren $9140.50%
- Cass $9100.68%
- Randolph $9000.79%
- Greene $8960.58%
- Grant $8840.72%
- Jackson $8810.49%
- Crawford $8800.75%
- Blackford $8730.81%
- Martin $8650.54%
- Fountain $8490.59%
- Fulton $8440.54%
- Wabash $8130.52%
- Sullivan $7990.61%
- Switzerland $7930.45%
- Vermillion $7810.69%
- Miami $7560.60%
- Parke $7350.49%
- Pulaski $7080.45%
- Jay $7070.60%
- Clay $6270.41%
Effective rate: typical tax ÷ typical value, our estimate from two Census medians. Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates (external site)
Exemptions
Which exemption fits you?
What Indiana publishes for each case. You have to apply for almost all of them: none is applied on its own.
-
If it is your main home
If the home is your principal residence, you get two deductions from its assessed value. The homestead standard deduction steps down under the 2025 law (SEA 1) — $48,000 for the 2025 assessment, $40,000 in 2026, $30,000 in 2027, $20,000 in 2028, $10,000 in 2029 and $0 from 2030 — and the supplemental deduction, a share of the value that remains, rises — 40% for taxes payable in 2026, 46% in 2027, 52% in 2028, 57% in 2029, 62% in 2030 and 66.7% from 2031. You apply with the county auditor by Jan. 15 of the year the taxes are payable; you do not reapply each year, only if the home is sold or the title changes.
What the source says· IC 6-1.1-12-37, 6-1.1-12-37.5
“For the assessment dates after December 31, 2024 in the following years, the total amount of the deduction is: Homestead Standard Deduction (IC 6-1.1-12-37) in 2025, $48,000; in 2026, $40,000; in 2027, $30,000; in 2028, $20,000; in 2029, $10,000; … Beginning with the 2030 assessment date and each assessment date thereafter, $0. … (A) 40% for taxes first due and payable in 2026. … (B) 46% for taxes first due and payable in 2027. (C) 52% for taxes first due and payable in 2028. (D) 57% for taxes first due and payable in 2029. … (E) 62% for taxes first due and payable in 2030. … (F) 66.7% for taxes first due and payable in 2031. … Complete, sign, and file with the county auditor and satisfy any recording requirements, both on or before January 15 of the calendar year in which the property taxes are first due and payable.”
Indiana Department of Local Government Finance (DLGF) · Verified November 6, 2026
-
If you are an older owner
If you are 65 or older by Dec. 31 of the prior year, you can ask for the Over 65 Credit of $150 against the tax. If you also had the homestead deduction last year, the Over 65 Circuit Breaker Credit keeps your home's tax from rising more than 2% over the prior year's. For both, your federal adjusted gross income from two years before cannot exceed $60,000 filing single or $70,000 filing jointly (for the circuit breaker the figure is adjusted each year). You apply with the county auditor by Jan. 15.
What the source says· IC 6-1.1-51.3-1, 6-1.1-20.6-8.5
“$150 Over 65 Credit (IC 6-1.1-51.3-1) … Applicant is at least 65 on or before December 31 of the year preceding the year in which the credit is claimed; … Over 65 Circuit Breaker Credit (IC 6-1.1-20.6-8.5) Prevents property tax liability on qualified homestead property from increasing by more than 2% over the previous year’s tax liability. … For the calendar year preceding by two (2) years the calendar year in which the property taxes are first due and payable, the federal adjusted gross income of: (1) an individual who filed a single return, does not exceed $60,000; or (2) an individual who filed a joint return with the individual's spouse, does not exceed $70,000 … Applicant qualified for homestead standard deduction in preceding calendar year and qualifies in current year (or is an eligible surviving spouse);”
Indiana Department of Local Government Finance (DLGF) · Verified November 6, 2026
-
If you have a disability
If you are blind or disabled (unable to engage in substantial gainful activity because of a condition that has lasted or will last at least 12 months), you can ask for a $125 credit against the tax on the home you live in. You apply with the county auditor by Jan. 15, with proof of the disability (that you are eligible for Social Security disability benefits, for example).
What the source says· IC 6-1.1-51.3-2
“Blind or Disabled Credit (IC 6-1.1-51.3-2) $125 … Disabled: Applicant is “disabled” if unable to engage in any substantial gainful activity by reason of a medically determinable physical or mental impairment that can be expected to result in death or has lasted or can be expected to last for a continuous period of not less than 12 months; … Complete, sign, and file application with the county auditor on or before January 15 of the calendar year in which the property taxes are first due and payable.”
Indiana Department of Local Government Finance (DLGF) · Verified November 6, 2026
-
If you are a veteran
If you are an honorably discharged veteran who served during a war and have a service-connected disability of at least 10%, you can ask for a $24,960 deduction from assessed value. If you served at least 90 days and are totally disabled, or are 62 or older with at least a 10% disability, and your Indiana property is assessed at $240,000 or less, there is another $14,000 deduction. A surviving spouse can qualify. You apply with the county auditor by Jan. 15.
What the source says· IC 6-1.1-12-13, 6-1.1-12-14, 6-1.1-12-15
“Applicant received an honorable discharge after serving in U.S. military or naval forces during any of its wars; … Deduction for Veteran with ServiceConnected Disability (IC 6-1.1-12-13, 15) $24,960* 3) Applicant has service-connected disability of at least 10%; … Applicant served in U.S. military service for at least 90 days and was honorably discharged; … Applicant is either totally disabled or at least 62 with at least 10% disability; … $14,000* … Assessed value of applicant’s Indiana real property and/or Indiana mobile or manufactured home not assessed as real property is not greater than $240,000.”
Indiana Department of Local Government Finance (DLGF) · Verified November 6, 2026
How it works
Where your bill comes from
The local government puts a value on your home, subtracts the exemptions you apply for and applies the rate of each body that taxes it: the county, the city, the school district and others.
- The value assigned to your home
- The exemptions you apply for
- The rates of each taxing body (county, city, schools)
- Your yearly bill
The effective rate on this page is something else: our estimate (typical tax ÷ typical value, from Census data) for comparing places. It is not the rate your local government sets.
Frequently asked questions
How much is property tax in Indiana?
The typical owner pays $1,614 a year, about 0.74% of the home’s value, per the Census (Average 2020–2024). Nationwide the effective rate is 0.94%. Your bill depends on your county, city, school district and the exemptions you claim.
What is the deadline to protest the assessment in Indiana?
To appeal, you file Form 130 (one petition per parcel) with the assessing official. The deadline is June 15 of the assessment year if the notice of assessment (Form 11) was mailed before May 1; if it was mailed later, or none was sent, the deadline is June 15 of the year the tax bill is mailed. First there is an informal meeting with the assessor; then the county Property Tax Assessment Board of Appeals (PTABOA) decides, with a hearing within 180 days. If you disagree, you can go to the Indiana Board of Tax Review (IBTR) on Form 131. You do not need an appraisal or a representative. If your value rose more than 5%, the assessor generally has the burden of proving it.
How do I apply for the homestead exemption in Indiana?
If the home is your principal residence, you get two deductions from its assessed value. The homestead standard deduction steps down under the 2025 law (SEA 1) — $48,000 for the 2025 assessment, $40,000 in 2026, $30,000 in 2027, $20,000 in 2028, $10,000 in 2029 and $0 from 2030 — and the supplemental deduction, a share of the value that remains, rises — 40% for taxes payable in 2026, 46% in 2027, 52% in 2028, 57% in 2029, 62% in 2030 and 66.7% from 2031. You apply with the county auditor by Jan. 15 of the year the taxes are payable; you do not reapply each year, only if the home is sold or the title changes.
When is property tax paid in Indiana?
The tax is paid in two installments to the county treasurer. The Department lists May 11 and Nov. 10 as the 2026 due dates. If you pay late, the penalty is 5% of the unpaid tax if you pay within 30 days (and owe no back taxes on that property), and 10% after that.
Which county in Indiana pays the most property tax?
By amount, the highest typical tax is in Hamilton County ($3,549) and the lowest in Clay County ($627). By effective rate, the highest is Lake County (0.92%) and the lowest Clay County (0.41%).
What is the effective rate?
The typical tax divided by the typical home value in the same place. It is our estimate from two Census medians, not the rate your local government sets; it is for comparing places.