Elkhart County, Indiana Property Taxes
Property Taxes in Elkhart County, Indiana
Median Elkhart County effective property tax rate: 0.95%, significantly lower than the national median of 1.02%.
Median Elkhart County home value: $199,400
Median annual Elkhart County tax bill: $1,919, $481 lower than the national median property tax bill of $2,400.
How are property taxes in Elkhart County calculated?
Property taxes in Elkhart 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.
Why are property taxes in Elkhart County lower than the national median? The county’s effective property tax rate of 0.95% sits below the national median and reflects a lower tax burden for many homeowners.
How can exemptions affect your property tax bill? Exemptions can reduce the assessed value, which may lower the amount you owe each year.
Whether you live in Elkhart County or another part of the county, understanding your property tax system, exemptions, and reduction opportunities can lead to significant savings.
Last Updated April 13, 2026
Elkhart County, Indiana Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.95%
Estimate Property Tax Bill
$1,894
$1,758
How Does the Elkhart County Property Tax Calculator Work?
Use this Elkhart County property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Elkhart County's median effective tax rate of 0.95% to generate your estimate.
Enter your property's estimated assessed value — the figure the assessor assigns for tax purposes, which is typically lower than market value after applicable exemptions. Our calculator uses the median effective rate for a more accurate estimate than the statutory millage rate alone.
Your actual bill may vary based on your specific exemptions, local school district levies, and any special assessment districts that apply to your property. Elkhart County’s median tax rate is lower than the 1.01% state median tax rate and the 1.02% national median tax rate, and the median tax bill of $1,919 is $481 lower than the state median.
For a more precise estimate, scroll down to explore city and ZIP code-level tax rate trends across Elkhart County.
Property Tax Rates Across Elkhart County, Indiana
What Are Effective Property Tax Rates Across Elkhart County?
Local government entities set tax rates, which vary widely across Elkhart County. Each year, the county estimates its budget for public services and divides that total by the assessed value of all taxable property within its jurisdiction.
Below, compare Elkhart County's effective property tax rate to other counties in Indiana or the U.S. median of 1.02%.
Elkhart County's median effective rate stands at 0.95%, which is lower than the national median of 1.02%. Within Elkhart County, the highest rate is found in Goshen at 1.09%, while Milford has the lowest at 0.64%.
These variations reflect differences in local school district levies, special assessment districts assessments, and special district bonds — which compound the base county rate.
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 Elkhart County Tax Rate
0.95%
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 Indiana Tax Rate
1.01%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Elkhart County, Indiana
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bristol | 0.58% | 0.67% | 0.79% | 0.99% | 1.40% |
| Elkhart | 0.60% | 0.75% | 0.93% | 1.17% | 1.93% |
| Goshen | 0.70% | 0.83% | 1.09% | 1.24% | 2.12% |
| Granger | 0.70% | 0.80% | 0.94% | 0.99% | 1.08% |
| Ligonier | 0.64% | 0.69% | 0.78% | 0.95% | 1.28% |
| Middlebury | 0.76% | 0.87% | 0.95% | 1.15% | 1.72% |
| Milford | 0.58% | 0.61% | 0.64% | 0.68% | 0.79% |
| Millersburg | 0.61% | 0.71% | 0.81% | 0.98% | 1.39% |
| Nappanee | 0.68% | 0.88% | 0.96% | 1.03% | 1.55% |
| New Paris | 0.59% | 0.68% | 0.77% | 0.87% | 1.40% |
| Osceola | 0.70% | 0.81% | 0.92% | 1.02% | 1.74% |
| Syracuse | 0.53% | 0.63% | 0.73% | 0.83% | 1.29% |
| Wakarusa | 0.65% | 0.78% | 0.94% | 1.04% | 1.45% |
| Mishawaka | N/A | N/A | N/A | N/A | N/A |
| Sebring | N/A | N/A | N/A | N/A | N/A |
| Shipshewana | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Elkhart County, Indiana
When examining property taxes in Elkhart 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 Elkhart 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 Elkhart County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of May.
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 Elkhart County.
For example, the median tax bill in Elkhart County is $1,919, with tax bills ranging significantly across the county. Granger has the highest median home price at $323,100.
Property Tax Assessment Values Across Elkhart County, Indiana
Source: Ownwell
$116,500
$219,800
$323,100
Median Elkhart County Market Value
$199,400
Median Indiana Market Value
$186,200
Median United States Market Value
$235,294
Property Tax Assessment Values Across Elkhart County, Indiana
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bristol | $105,240 | $174,800 | $247,500 | $369,500 | $528,800 |
| Elkhart | $60,000 | $98,200 | $161,800 | $237,100 | $328,400 |
| Goshen | $101,000 | $163,500 | $224,800 | $301,700 | $411,400 |
| Granger | $137,800 | $192,200 | $323,100 | $481,800 | $621,840 |
| Ligonier | $142,800 | $223,300 | $302,600 | $480,800 | $746,020 |
| Middlebury | $75,000 | $191,725 | $282,600 | $400,725 | $565,500 |
| Milford | $176,000 | $221,500 | $251,100 | $282,800 | $340,360 |
| Millersburg | $105,400 | $156,000 | $233,800 | $377,400 | $537,500 |
| Nappanee | $106,050 | $148,700 | $198,150 | $292,275 | $424,000 |
| New Paris | $102,000 | $163,325 | $243,450 | $327,500 | $422,500 |
| Osceola | $108,240 | $175,100 | $247,200 | $333,300 | $441,020 |
| Syracuse | $126,720 | $181,100 | $263,100 | $421,700 | $531,960 |
| Wakarusa | $124,200 | $175,300 | $234,000 | $314,700 | $437,240 |
| Mishawaka | N/A | N/A | N/A | N/A | N/A |
| Sebring | N/A | N/A | N/A | N/A | N/A |
| Shipshewana | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Elkhart County, Indiana
Property tax bills in Elkhart County are based on the assessed value of a home and the local tax rate set by taxing authorities. When a property’s market value changes, the assessed value can change too, which can affect the final bill. For a home with a median home price of $199,400, the tax bill can vary widely depending on location, exemptions, and how the property is assessed.
In Elkhart County, the 25th percentile tax bill is $1,220, while the 75th percentile tax bill is $2,846 and the 90th percentile tax bill is $4,145. That spread shows how much taxes can differ from one homeowner to another. Granger has the highest median tax bill at $3,111, while Elkhart has the lowest median tax bill at $1,552. For homeowners, this means property taxes can have a meaningful impact on monthly housing costs and long-term affordability.
Median Elkhart County Tax Bill
$1,919
Median Indiana Tax Bill
$1,964
Median United States Tax Bill
$2,400
Property Tax Bills Across Elkhart County, Indiana
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bristol | $720 | $1,292 | $2,067 | $3,130 | $4,914 |
| Elkhart | $480 | $981 | $1,552 | $2,292 | $3,334 |
| Goshen | $1,037 | $1,731 | $2,420 | $3,303 | $4,530 |
| Granger | $985 | $1,553 | $3,111 | $4,799 | $6,376 |
| Ligonier | $1,088 | $1,798 | $2,578 | $3,894 | $5,902 |
| Middlebury | $667 | $1,826 | $2,748 | $4,100 | $5,978 |
| Milford | $1,071 | $1,378 | $1,613 | $1,892 | $2,689 |
| Millersburg | $785 | $1,303 | $2,062 | $3,092 | $4,614 |
| Nappanee | $887 | $1,435 | $1,960 | $2,899 | $4,038 |
| New Paris | $678 | $1,258 | $1,889 | $2,676 | $3,660 |
| Osceola | $792 | $1,540 | $2,316 | $3,355 | $4,419 |
| Syracuse | $749 | $1,247 | $2,012 | $3,158 | $4,416 |
| Wakarusa | $957 | $1,553 | $2,202 | $3,086 | $4,295 |
| Mishawaka | N/A | N/A | N/A | N/A | N/A |
| Sebring | N/A | N/A | N/A | N/A | N/A |
| Shipshewana | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | June 15 |
Links | |
|---|---|
| Elkhart Tax Assessor | |
| Website | beacon.schneidercorp.com |