St. Joseph County, Indiana Property Taxes

Name: Property Tax Bills Across St. Joseph County, Indiana
Creator: Ownwell
License: https://creativecommons.org/licenses/by-nc/4.0/

Median St. Joseph County effective property tax rate: 1.09%, slightly higher than the national median of 1.02%.
Median St. Joseph County home value: $157,600
Median annual St. Joseph County tax bill: $1,785, $615 lower than the national median property tax bill of $2,400.

How are property taxes in St. Joseph County calculated?

Property taxes in St. Joseph County are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding your county's property tax system, exemptions, and reduction opportunities can lead to significant savings. Whether you live in South Bend or another part of St. Joseph County, knowing local tax details benefits homeowners and investors.

Last Updated March 1, 2025

St. Joseph County, Indiana Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.09%

Estimate Property Tax Bill

$1,718

$1,594

Ownwell’s St. Joseph County Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in St. Joseph County with just two data points. By entering your property's estimated assessed value, our calculator applies St. Joseph County’s median effective tax rate to accurately estimate your property tax bill. Note that your property's assessed value — determined by your county — reflects any exemptions you may have, ensuring a more precise calculation for your property tax obligations. This insightful tool helps you understand potential tax liabilities and highlights how Ownwell can assist in reducing property taxes in St. Joseph County. For those interested in more localized information, please scroll down to explore city-level trends!

Property Tax Rates Across St. Joseph County, Indiana

Local government entities set property tax rates, which can vary widely within Indiana. Each year, counties estimate their required budgets to provide services and divide that by the total value of all taxable property within their jurisdiction, resulting in the property tax rate. While votes and laws are involved in setting tax rates and budgets, this is the annual process in a nutshell.

In St. Joseph County, the effective property tax rate is slightly above the national median of 1.02%. South Bend, within the county, has the highest median tax rate at 1.13%, reflecting the diverse range of rates across different areas. On the other hand, Wyatt, also in the county, has a significantly lower median tax rate of 0.52%. These variations highlight the importance of understanding local property tax dynamics, which can influence financial planning and property investment decisions. Comparing St. Joseph County's rates to the national median provides valuable context for property owners and prospective buyers.

Property Tax Rates Across St. Joseph County, Indiana

Source: Ownwell

0.52%

0.87%

1.22%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective St. Joseph County Tax Rate

1.09%

Median Effective Indiana Tax Rate

0.99%

Median Effective United States Tax Rate

1.02%

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	N/A	N/A	N/A	N/A	N/A
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	N/A	N/A	N/A	N/A	N/A
Osceola	0.64%	0.80%	0.92%	1.01%	1.81%
Plymouth	N/A	N/A	N/A	N/A	N/A
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

When examining property taxes in St. Joseph County, understanding the distinction between "market value" and "assessed value" is crucial. The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The St. Joseph County Assessor estimates the market value for tax purposes. The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.

Assessment notices: In St. Joseph County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of April. Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in St. Joseph County. For example, the median tax bill in St. Joseph County is $2,726, with tax bills ranging significantly across the county. Granger has the highest median home price at $314,700.

Property Tax Assessment Values Across St. Joseph County, Indiana

Source: Ownwell

$72,500

$193,600

$314,700

Median St. Joseph County Market Value

$157,600

Median Indiana Market Value

$170,700

Median United States Market Value

$235,294

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	N/A	N/A	N/A	N/A	N/A
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	N/A	N/A	N/A	N/A	N/A
Osceola	$89,620	$135,850	$200,800	$266,925	$330,660
Plymouth	N/A	N/A	N/A	N/A	N/A
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, Indiana, property tax bills are determined by assessing the property's market value and applying the local tax rate. The median home price in the county is $157,600, and the property tax rate is applied to this value to calculate the tax bill. Factors such as the property's assessed value, local government budgets, and voter-approved measures can influence the final tax amount. Homeowners in St. Joseph County experience a range of tax bills. For instance, the 25th percentile tax bill is $1,135, while the 75th percentile reaches $2,726, and the 90th percentile climbs to $3,931. Granger, with the highest median tax bill of $3,225, contrasts sharply with Wyatt, where the lowest median tax bill is $505. Compared to the national median property tax rate of 1.02% and a median tax bill of $2,400, St. Joseph County's figures reflect significant variability. These variations can impact homeowners' financial planning and property affordability, making it crucial to understand local tax dynamics.

Property Tax Bills Across St. Joseph County, Indiana

Source: Ownwell

$505

$1,865

$3,225

Median St. Joseph County Tax Bill

$1,785

Median Indiana Tax Bill

$1,691

Median United States Tax Bill

$2,400

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	N/A	N/A	N/A	N/A	N/A
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	N/A	N/A	N/A	N/A	N/A
Osceola	$592	$1,109	$1,891	$2,620	$3,370
Plymouth	N/A	N/A	N/A	N/A	N/A
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