St. Joseph County Property Taxes
The median property tax rate in St. Joseph County is 1.09%, which is higher than both the national median of 0.99% and Indiana's state median of 0.99%. With a median home value of $157,600 in St. Joseph, the typical annual property tax bill is approximately $1,785, which is below the national median of $2,690. Property taxes in St. Joseph County are calculated based on the assessed value, which is often lower than the actual market value due to various property tax exemptions such as those for primary residences and agricultural properties. Understanding St. Joseph County's specific property tax system, exploring available exemptions, and identifying opportunities for property tax reductions can lead to substantial annual savings. Whether you reside in South Bend or another part of St. Joseph County, gaining a comprehensive knowledge of local property taxes will benefit both homeowners and real estate investors.
Last Updated June 14, 2024
St. Joseph County Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Average Tax Rate
1.09%
Estimate Property Tax Bill
$1,718
Ownwell’s St. Joseph Property Tax Bill Calculator helps any homeowner, real estate investor, or potential owner to estimate their annual property taxes in St. Joseph with just 2 data points. Enter your property's estimated assessed value, and our calculator applies the median tax rate in St. Joseph to estimate your property tax bill. This insight helps you understand potential tax liabilities. If you’d like to see trends on a city level, scroll down to navigate to a more local informational page. Your property assessed value is the value assigned to your property by your county for property tax calculations. Assessed value takes into account any exemptions you may have on your property.
Property Tax Rates Across St. Joseph County, Indiana
Property taxes in St. Joseph County play a crucial role in funding essential local services like public schools, road maintenance, and emergency services. The median tax rate in St. Joseph County is 1.09%, which is higher than the U.S. national median of 0.99%. Local government entities within St. Joseph County set these rates annually, and they can vary significantly between different areas within the county. Each year, St. Joseph County estimates its required budget to maintain services for the upcoming fiscal year and divides this budget by the total value of all taxable property in the jurisdiction, resulting in the property tax rate. Although tax rates and budgets are influenced by laws and voter input, this calculation forms the basic process for setting property tax rates. For comparison, the city of Notre Dame has one of the higher property tax rates in Indiana at 1.28%, while the city of Wyatt boasts one of the lowest at 0.52%. Analyzing how St. Joseph County's tax rates stack up against these benchmarks can give homeowners a better understanding of the local tax landscape.
Average St. Joseph County Tax Rate
1.09%
Average Indiana Tax Rate
0.99%
Average United States Tax Rate
0.99%
Property Tax Rates Across St. Joseph County, Indiana
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bremen | 0.59% | 0.68% | 0.92% | 1.13% | 1.36% |
| Granger | 0.83% | 0.91% | 0.98% | 1.15% | 1.25% |
| Knox | 0.92% | 0.92% | 0.92% | 0.92% | 0.92% |
| Lakeville | 0.65% | 0.89% | 1.02% | 1.28% | 2.00% |
| Mishawaka | 0.78% | 0.97% | 1.13% | 1.23% | 2.35% |
| Nappanee | 0.63% | 0.74% | 0.78% | 0.85% | 1.01% |
| New Carlisle | 0.96% | 1.03% | 1.08% | 1.31% | 2.14% |
| North Liberty | 0.79% | 0.97% | 1.02% | 1.25% | 2.01% |
| Notre Dame | 1.27% | 1.28% | 1.28% | 1.81% | 2.13% |
| Osceola | 0.64% | 0.80% | 0.92% | 1.01% | 1.81% |
| Plymouth | 0.92% | 1.01% | 1.15% | 1.20% | 1.22% |
| South Bend | 0.83% | 0.97% | 1.13% | 1.95% | 2.40% |
| Wakarusa | 0.52% | 0.59% | 0.75% | 0.89% | 1.22% |
| Walkerton | 0.84% | 0.99% | 1.01% | 1.26% | 2.02% |
| Wyatt | 0.38% | 0.42% | 0.52% | 1.54% | 1.54% |
Source: Ownwell
Property Tax Assessment Values Across St. Joseph County, Indiana
In St. Joseph County, understanding the difference between "market value" and "assessed value" is key to comprehending property taxes. The market value represents the price a willing buyer would pay to a willing seller in an open, competitive market, considering location, property condition, and current economic trends. For tax purposes, this value is estimated by the St. Joseph County Appraisal District. The assessed value, however, is the market value minus any applicable exemptions or limits based on local laws and available programs. The assessed value is then used to calculate your property taxes by multiplying it by the combined tax rates of all relevant taxing entities. Assessment notices in St. Joseph County are typically mailed in the spring, usually by the middle of April. These notices provide homeowners with both the market and assessed values, along with an estimate of the annual property tax bill. By distinguishing between these valuation concepts, property owners can better navigate their tax responsibilities and understand how their property taxes are affected. Notre Dame has the highest median tax bill at $12,729, while Wyatt has the lowest at $505. Being aware of these valuation processes in St. Joseph County will help you identify opportunities for appealing assessments or applying for exemptions to manage your tax burden more effectively.
Property Tax Assessment Values Across St. Joseph County, Indiana
Source: Ownwell
$60,800
$530,000
$999,200
Average St. Joseph County Assessed Value
$157,600
Average Indiana Assessed Value
$170,700
Average United States Assessed Value
$244,900
Property Tax Assessment Values Across St. Joseph County, Indiana
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bremen | $130,540 | $180,100 | $226,500 | $303,400 | $401,260 |
| Granger | $203,000 | $247,400 | $314,700 | $409,850 | $524,770 |
| Knox | $263,800 | $263,800 | $263,800 | $263,800 | $263,800 |
| Lakeville | $87,900 | $122,150 | $179,700 | $266,850 | $351,820 |
| Mishawaka | $65,400 | $101,000 | $137,300 | $196,400 | $265,000 |
| Nappanee | $163,600 | $167,600 | $225,200 | $377,700 | $492,600 |
| New Carlisle | $103,300 | $139,050 | $189,400 | $261,750 | $319,280 |
| North Liberty | $80,750 | $124,725 | $163,500 | $215,400 | $267,800 |
| Notre Dame | $245,040 | $527,850 | $999,200 | $1,027,200 | $1,044,000 |
| Osceola | $89,620 | $135,850 | $200,800 | $266,925 | $330,660 |
| Plymouth | $199,750 | $232,550 | $294,150 | $379,450 | $505,950 |
| South Bend | $49,200 | $82,600 | $139,400 | $211,000 | $287,700 |
| Wakarusa | $141,610 | $189,925 | $224,950 | $300,050 | $373,000 |
| Walkerton | $68,140 | $105,250 | $137,200 | $180,750 | $242,920 |
| Wyatt | $57,560 | $81,325 | $98,000 | $113,300 | $132,790 |
Source: Ownwell
Property Tax Bills Across St. Joseph County, Indiana
In St. Joseph County, IN, property tax bills are calculated based on the assessed value of a property, not its market value. The assessed value is determined by the county assessor and is a percentage of the property's market value. Several factors influence the final tax bill, including property type, location, and any applicable exemptions or deductions. For instance, the median home price in St. Joseph County is $157,600, with property tax bills ranging significantly. Homeowners at the 25th percentile can expect a tax bill around $1,135, while those at the 75th percentile might pay approximately $2,726. At the 90th percentile, the tax bill can reach up to $3,931. Comparatively, the highest median tax bill in the county is $12,729 in Notre Dame, while the lowest is $505 in Wyatt. These variations highlight how local factors and property values can impact the financial responsibilities of homeowners, making it crucial to understand how property taxes are assessed and calculated.
Average St. Joseph County Tax Bill
$1,785
Average Indiana Tax Bill
$1,691
Average United States Tax Bill
$2,690
Property Tax Bills Across St. Joseph County, Indiana
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bremen | $865 | $1,342 | $2,142 | $3,090 | $4,461 |
| Granger | $1,803 | $2,426 | $3,225 | $4,321 | $5,866 |
| Knox | $2,414 | $2,414 | $2,414 | $2,414 | $2,414 |
| Lakeville | $660 | $1,204 | $2,007 | $3,059 | $4,226 |
| Mishawaka | $724 | $1,165 | $1,611 | $2,269 | $3,018 |
| Nappanee | $1,083 | $1,271 | $2,077 | $3,255 | $4,083 |
| New Carlisle | $1,131 | $1,588 | $2,309 | $3,043 | $3,950 |
| North Liberty | $880 | $1,290 | $1,762 | $2,436 | $3,289 |
| Notre Dame | $3,606 | $7,027 | $12,729 | $13,097 | $13,318 |
| Osceola | $592 | $1,109 | $1,891 | $2,620 | $3,370 |
| Plymouth | $2,124 | $2,778 | $3,388 | $4,617 | $5,404 |
| South Bend | $630 | $1,017 | $1,629 | $2,535 | $3,691 |
| Wakarusa | $850 | $1,222 | $1,740 | $2,412 | $3,653 |
| Walkerton | $751 | $1,068 | $1,472 | $2,110 | $2,987 |
| Wyatt | $298 | $373 | $505 | $984 | $1,720 |
Source: Ownwell