South Bend, St. Joseph County, Indiana Property Taxes

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

Median South Bend, IN effective property tax rate: 1.13%, significantly higher than the national median of 1.02%, but lower than the Indiana state median of 0.99%.
Median South Bend, IN home value: $139,400
Median annual South Bend, IN tax bill: $1,629, $771 lower than the national median property tax bill of $2,400.

How are property taxes in St. Joseph calculated?

Property taxes in South Bend, IN 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 South Bend’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in South Bend, knowing local tax details benefits homeowners and investors.

Last Updated March 1, 2025

South Bend, St. Joseph County, Indiana Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.13%

Estimate Property Tax Bill

$1,575

$1,462

Ownwell’s South Bend Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in South Bend with just two data points. By entering your property's estimated assessed value, our calculator applies South Bend’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 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 South Bend, St. Joseph County, Indiana

Local government entities set tax rates, which can vary widely within Indiana. Annually, each county, including St. Joseph, estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate. While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.

South Bend, located in St. Joseph County, offers a unique perspective on property tax rates. The effective property tax rate in South Bend is 1.13%, which is slightly above the national median of 1.02%. Within the county, the highest median tax rate can be found in the 46601 zip code, at 1.22%, while the lowest is in the 46615 zip code, at 1.02%.

Comparing South Bend's effective property tax rate to other cities in Indiana and the national median provides valuable insights for property owners. Understanding these rates can help property owners make informed decisions about property investments and appeal strategies.

Property Tax Rates Across South Bend, 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 South Bend Tax Rate

1.13%

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 South Bend, St. Joseph County, Indiana

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
46601	0.95%	1.08%	1.22%	2.40%	2.40%
46613	0.85%	0.97%	1.18%	2.40%	2.40%
46614	0.86%	0.98%	1.12%	1.22%	2.05%
46615	0.84%	0.95%	1.02%	1.82%	2.40%
46616	0.81%	0.94%	1.05%	2.04%	2.40%
46617	0.94%	1.03%	1.22%	2.20%	2.41%
46619	0.77%	0.93%	1.15%	2.02%	2.40%
46628	0.80%	0.98%	1.12%	2.00%	2.40%
46635	0.89%	1.02%	1.14%	1.22%	2.27%
46637	0.77%	0.98%	1.15%	1.79%	2.27%
46618	N/A	N/A	N/A	N/A	N/A
46624	N/A	N/A	N/A	N/A	N/A
46625	N/A	N/A	N/A	N/A	N/A
46680	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Assessment Values Across South Bend, St. Joseph County, Indiana

When examining property taxes in South Bend, IN, 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 appraisal district 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. This figure is used to calculate your property taxes, as it is multiplied by your tax rate to get your tax bill.

In St. Joseph County, assessment notices are sent in the spring each year, typically reaching your mailbox by the middle of the season. Each property owner receives an assessment notice containing both the market value and assessed value, along with an estimate of their property tax bill. This helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in South Bend. For example, the median home price in South Bend is $139,400, with tax bills ranging significantly across the county. The zip code 46617 has the highest median home price at $217,750.

Property Tax Assessment Values Across South Bend, St. Joseph County, Indiana

Source: Ownwell

$72,500

$193,600

$314,700

Median South Bend Market Value

$139,400

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 South Bend, St. Joseph County, Indiana

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
46601	$36,500	$61,800	$95,500	$145,175	$185,400
46613	$33,020	$48,500	$72,500	$97,300	$123,500
46614	$90,100	$126,900	$176,100	$234,600	$305,550
46615	$66,200	$99,800	$133,400	$165,450	$227,600
46616	$42,110	$77,300	$113,150	$153,475	$203,570
46617	$72,500	$139,050	$217,750	$352,650	$603,400
46619	$41,700	$63,375	$89,900	$144,900	$213,030
46628	$40,000	$64,100	$126,400	$213,200	$286,860
46635	$123,360	$155,850	$199,300	$247,100	$289,900
46637	$64,650	$120,075	$179,100	$244,800	$320,650
46618	N/A	N/A	N/A	N/A	N/A
46624	N/A	N/A	N/A	N/A	N/A
46625	N/A	N/A	N/A	N/A	N/A
46680	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Bills Across South Bend, St. Joseph County, Indiana

In South Bend, located in St. Joseph County, Indiana, property tax bills are determined by multiplying the assessed value of a property by the local tax rate. The assessed value is a percentage of the property's market value, which is influenced by factors such as location, size, and condition. The median home price in South Bend is $139,400, and property tax bills can vary significantly within the area. For instance, the median tax bill in the 46617 zip code is $2,681, while in the 46613 zip code, it's $982. These variations highlight how different factors can impact tax bills. With a tax bill in the 25th percentile at $1,017 and the 90th percentile reaching $3,691, homeowners face a range of potential costs. Ownwell can assist homeowners by identifying potential savings through property tax appeals and exemptions, ensuring that they are not overpaying. By leveraging expertise and understanding local tax nuances, Ownwell helps homeowners reduce their property tax burden, providing financial relief and peace of mind.

Property Tax Bills Across South Bend, St. Joseph County, Indiana

Source: Ownwell

$505

$1,865

$3,225

Median South Bend Tax Bill

$1,629

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 South Bend, St. Joseph County, Indiana

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
46601	$552	$948	$1,461	$1,961	$2,676
46613	$455	$708	$982	$1,361	$1,795
46614	$906	$1,350	$1,992	$2,798	$3,819
46615	$822	$1,133	$1,489	$2,002	$2,833
46616	$581	$933	$1,305	$1,902	$2,549
46617	$1,235	$1,749	$2,681	$4,807	$9,403
46619	$493	$719	$1,130	$1,770	$2,705
46628	$511	$846	$1,509	$2,430	$3,497
46635	$1,202	$1,763	$2,351	$3,035	$4,005
46637	$760	$1,283	$2,149	$3,125	$4,656
46618	N/A	N/A	N/A	N/A	N/A
46624	N/A	N/A	N/A	N/A	N/A
46625	N/A	N/A	N/A	N/A	N/A
46680	N/A	N/A	N/A	N/A	N/A

Source: Ownwell