When Are Indiana Property Taxes Due? 2026 Rates, Exemptions & Deadlines

Indiana homeowners face two property tax payment deadlines each year: May 10 and November 10 (semi-annual schedule). With an effective state property tax rate of 0.85% and an average home price of $220,000 in Indiana, understanding your exact due dates and payment options is essential to avoid late penalties and potential tax liens.

When Are Indiana Property Taxes Due?

Indiana operates on a semi-annual property tax payment schedule. Your taxes are due on May 10 for the first half-year payment and November 10 for the second half-year payment. Both dates are firm deadlines—missing either one can trigger late fees.

For a nationwide overview of payment schedules, see our guide to when property taxes are due.

Payment deadlines and procedures may vary slightly by county, so confirm directly with your county treasurer's office. Some counties offer online payment portals, while others accept checks or in-person payments at the assessor's office.

Schedule	Due Date	Notes
First payment	May 10 (semi-annual)	Confirm with county treasurer
Second payment	November 10 (semi-annual)	Confirm with county treasurer
Combined annual	May 10 + Nov 10	Two separate billings

Indiana Property Tax Snapshot

• Due dates: May 10 + Nov 10 (semi-annual)
• Effective tax rate: 0.85%
• Homestead exemption: Homestead/senior/veteran exemptions vary — check county assessor
• Late penalty: Typically 1%–2% per month; tax lien possible after extended delinquency

Indiana Property Tax Rates

Indiana's effective property tax rate is 0.85%, one of the lower rates nationally. This figure represents the average across the state; individual county and township rates vary based on local services, schools, and infrastructure needs.

On a median home valued at $220,000, the annual property tax would be approximately $1,870 (before exemptions). Counties in northwest Indiana near Lake Michigan and counties supporting larger school systems may have higher rates, while rural counties often fall below the state average. Check your specific county assessor's website for your local rate and estimated annual bill.

Indiana Property Tax Exemptions

Indiana offers homestead exemptions, senior exemptions, and veteran exemptions—but eligibility and benefit amounts vary significantly by county. There is no statewide uniform homestead exemption; instead, each county assessor sets exemption policies.

Homestead exemptions typically reduce taxable assessed value for primary residences. Senior exemptions (age 65+) may apply if you meet income thresholds; veteran exemptions are available for disabled or surviving military members. To learn what exemptions apply to your property, contact your county assessor directly—they can explain your eligibility and help you file the required forms. You can also visit our property tax exemptions guide for broader exemption strategies across states.

How to Pay Indiana Property Taxes

You can pay property taxes through your county treasurer's office or county assessor's office. Most Indiana counties now offer online payment systems, credit card options, and automatic bank drafts for your convenience.

Payment methods typically include:

• Online portal (fastest and most convenient)
• Check or money order by mail
• In-person at county office
• Automatic bank draft or ACH transfer

If your mortgage includes an escrow account (common for financed homes), your lender may collect property taxes monthly and pay them on your behalf. This protects lenders by ensuring taxes stay current. Use our Indiana mortgage calculator to estimate how property taxes factor into your total monthly payment (PITI).

What Happens If You Miss the Deadline?

Missing the May 10 or November 10 deadline can be costly. Indiana typically imposes late penalties of 1–2% per month on unpaid balances. If taxes remain unpaid for an extended period, the county may file a tax lien against your property, which can affect your credit score and future borrowing.

Delinquent properties may be subject to tax sale proceedings. The county can foreclose on your home if taxes and penalties remain unpaid for several years. If financial hardship affects your ability to pay, contact your county treasurer immediately—some counties offer payment plans or deferral options for seniors or disabled homeowners.

Property Taxes and Your Mortgage Payment

If you financed your Indiana home with a mortgage, property taxes are likely factored into your monthly PITI payment (principal, interest, taxes, insurance). Lenders typically establish an escrow account at closing to collect one-twelfth of your annual property tax bill each month.

Escrow accounts protect lenders by ensuring taxes are paid on time, but they also protect you—the lender handles timing, so you don't miss deadlines. When your property assessment increases, your escrow payment may rise as well. Use our Indiana mortgage calculator to estimate your total monthly payment, including property taxes, and understand how rate changes or reassessments might affect your budget.

First-time homebuyers in Indiana may qualify for programs like the IHCDA First Place Program, which offers up to $10,000 in down payment assistance. These programs can help reduce upfront costs and improve long-term affordability.

Frequently Asked Questions

When are Indiana property taxes due?
Indiana property taxes are due semi-annually on May 10 and November 10. You receive two separate bills and make two separate payments each year. Some counties may bill quarterly; confirm the exact schedule with your county treasurer. Missing either deadline triggers a 1–2% monthly late penalty.

What is the property tax rate in Indiana?
The effective state property tax rate is 0.85%, making Indiana a relatively low-tax state. However, rates vary by county and township based on local services, schools, and infrastructure. An $220,000 home would generate roughly $1,870 in annual taxes before exemptions. Check your county assessor's website for your specific local rate.

What exemptions can reduce my Indiana property taxes?
Indiana offers homestead, senior, and veteran exemptions, but eligibility and amounts vary by county. A homestead exemption typically reduces assessed value for primary residences. Seniors (age 65+) and disabled veterans may qualify for additional breaks if income thresholds are met. Contact your county assessor to determine what exemptions you qualify for and how to apply.

What happens if I pay property taxes late?
Late payments incur penalties of 1–2% per month. If taxes remain unpaid for an extended period, the county may file a tax lien against your property, harming your credit and ability to refinance or sell. In extreme cases, unpaid taxes can trigger tax sale proceedings or foreclosure. Payment plans may be available—contact your county treasurer if you face hardship.

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Take the next step. Understand how property taxes affect your overall home affordability by using our Indiana mortgage calculator to estimate your monthly payment. Mark your calendar for May 10 and November 10, set up automatic payments through your county's online portal, and confirm your exemptions with your county assessor to keep your taxes current and minimize your burden.