Haddam, Middlesex County, Connecticut Property Taxes

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Property Taxes in Haddam, Connecticut

Median Haddam, Connecticut effective property tax rate: 3.43%, significantly higher than the national median of 1.02%, and higher than the Connecticut state median of 3.05%.
Median Haddam, Connecticut home value: $195,520
Median annual Haddam, Connecticut tax bill: $6,716, higher than the national median property tax bill of $2,400.

How are property taxes in Middlesex calculated?

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

Last Updated April 13, 2026

Haddam, Middlesex County, Connecticut Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

3.43%

Estimate Property Tax Bill

$6,706

$6,223

How Does the HADDAM Property Tax Calculator Work?

Use this HADDAM property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies HADDAM's median effective tax rate of 3.43% — based on actual property records in Middlesex County — to generate your estimate.

Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies HADDAM's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.

Your bill may vary by ZIP code within HADDAM: rates range from 3.43% in 06438 to 3.43% in 06438, primarily due to differences in school district levies and local assessment districts.

For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across HADDAM.

About Haddam Property Taxes

About Property Taxes in Haddam, Middlesex, Connecticut

Haddam’s median effective property tax rate of 3.43% is higher than the Connecticut state median of 3.05% and higher than the national median of 1.02%. This rate reflects the Middlesex County base levy combined with local school district levies and special assessment districts that vary by subdivision throughout the city.

Property tax rates are not uniform across Haddam. Homeowners in the 06438 ZIP code carry a median effective rate of 3.43%, while those in the lowest ZIP also pay 3.43%. This spread — 0 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Middlesex County. Understanding which part of Haddam you live in can make a meaningful difference to your annual tax bill.

Haddam homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the February 20, 2026 deadline each year.

If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.

Property Tax Rates Across Haddam, Middlesex County, Connecticut

As noted earlier, local government entities set tax rates, which can vary widely within a state.

Why? Because annually, each county 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.

Below, you can compare Haddam's effective property tax rate to other cities in Connecticut and the median property tax rates in Connecticut and the U.S.

Property Tax Rates Across Haddam, Middlesex County, Connecticut

Source: Ownwell

1.55%

2.68%

3.80%

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 Haddam Tax Rate

3.43%

Median Effective Middlesex County Tax Rate

3.11%

Median Effective Connecticut Tax Rate

3.05%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Haddam, Middlesex County, Connecticut

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
06438	3.43%	3.43%	3.43%	3.44%	3.44%

Source: Ownwell

Property Tax Assessment Values Across Haddam, Middlesex County, Connecticut

When examining property taxes in Haddam, Connecticut, 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 Middlesex 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. 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 Middlesex County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the season.

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 Haddam.

For example, the median home price in Haddam is $195,520, with tax bills ranging significantly across the county. 06438 has the highest median home price at $195,520.

Property Tax Assessment Values Across Haddam, Middlesex County, Connecticut

Source: Ownwell

$165,570

$278,985

$392,400

Median Haddam Market Value

$195,520

Median Middlesex County Market Value

$210,685

Median Connecticut Market Value

$209,000

Median United States Market Value

$235,294

Property Tax Assessment Values Across Haddam, Middlesex County, Connecticut

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
06438	$104,422	$151,475	$195,520	$247,210	$307,870

Source: Ownwell

Property Tax Bills Across Haddam, Middlesex County, Connecticut

Property tax bills in HADDAM are calculated by applying the local tax rate to a home’s assessed value, which is based on the market value set by the town. The assessed value is the figure used for taxation, so changes in a home’s market value can affect the bill even if the homeowner has not made any improvements. Factors such as location, property characteristics, and local assessment practices all play a role in determining the final amount.

For homeowners, this means the property tax bill can shift over time as the market changes. In HADDAM, the median tax bill is $6,716, which is well above the national median property tax bill of $2,400. Bills in the area also vary widely, with the 25th percentile at $5,203 and the 90th percentile at $10,575. That range shows how much property taxes can differ from one home to another, even within the same city.

Property Tax Bills Across Haddam, Middlesex County, Connecticut

Source: Ownwell

$5,120

$9,168

$13,215

Median Haddam Tax Bill

$6,716

Median Middlesex County Tax Bill

$6,226

Median Connecticut Tax Bill

$6,666

Median United States Tax Bill

$2,400

Property Tax Bills Across Haddam, Middlesex County, Connecticut

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
06438	$3,587	$5,203	$6,716	$8,492	$10,575

Source: Ownwell

Don't miss the deadline to appeal!

Dates
Appeal Deadline	February 20

Links
Middlesex Tax Assessor
Website	gis.vgsi.com

Frequently Asked Property Tax Questions in Haddam, Connecticut

How are property taxes calculated in Haddam, Connecticut?

Property taxes in Haddam, Connecticut are calculated by multiplying your property's assessed value by the applicable tax rate set by local taxing authorities. The assessed value is determined by the county assessor and may differ from your property's market value depending on local assessment ratios and exemptions.

How do I appeal my property taxes in Haddam, Connecticut?

To appeal your property taxes in Haddam, Connecticut, you typically need to file a formal protest or appeal with your local appraisal district or assessor's office by the stated deadline. You'll need evidence such as comparable sales, a recent independent appraisal, or documentation of property condition issues. Ownwell can handle this entire process for you.

What property tax exemptions are available in Haddam, Connecticut?

Common property tax exemptions in Haddam, Connecticut include homestead exemptions for primary residences, senior citizen exemptions, veteran exemptions, and disability exemptions. Exemption amounts and eligibility requirements vary by county. Contact your local appraisal district or check Ownwell for details specific to your property.

When are property taxes due in Haddam, Connecticut?

Property tax deadlines in Haddam, Connecticut vary by county but typically include an assessment notice period in spring or early summer, followed by an appeal deadline, and a tax payment due date in the fall or winter. Check with your county assessor's office for specific dates in your area.

How can Ownwell help reduce my property taxes in Haddam, Connecticut?

Ownwell provides professional property tax appeal services in Haddam, Connecticut. Our team analyzes your assessment, gathers evidence, files all paperwork, and represents you at hearings — all with no upfront cost. You only pay a percentage of your savings if we successfully lower your tax bill.