St. Joseph County, Indiana Property Taxes
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
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.05%
Estimate Property Tax Bill
$1,793
$1,664
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.
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
1.05%
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 St. Joseph County, Indiana
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bremen | 0.50% | 0.61% | 0.78% | 1.02% | 1.35% |
| Granger | 0.68% | 0.77% | 0.85% | 0.96% | 1.16% |
| Lakeville | 0.55% | 0.73% | 0.91% | 1.13% | 1.86% |
| Mishawaka | 0.75% | 0.92% | 1.05% | 1.24% | 2.34% |
| Nappanee | 0.58% | 0.63% | 0.72% | 0.75% | 1.00% |
| New Carlisle | 0.65% | 0.88% | 1.05% | 1.20% | 1.80% |
| North Liberty | 0.65% | 0.82% | 0.95% | 1.16% | 1.87% |
| Osceola | 0.62% | 0.75% | 0.83% | 0.95% | 1.84% |
| South Bend | 0.73% | 0.94% | 1.11% | 1.71% | 2.46% |
| Wakarusa | 0.47% | 0.58% | 0.68% | 0.83% | 1.18% |
| Walkerton | 0.59% | 0.80% | 0.91% | 1.10% | 1.74% |
| Wyatt | 0.33% | 0.38% | 0.47% | 1.30% | 2.00% |
| Knox | N/A | N/A | N/A | N/A | N/A |
| Notre Dame | N/A | N/A | N/A | N/A | N/A |
| Plymouth | N/A | N/A | N/A | N/A | N/A |
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
$89,800
$215,750
$341,700
Median St. Joseph County Market Value
$170,800
Median Indiana Market Value
$186,200
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 | $155,180 | $206,550 | $269,200 | $359,875 | $484,680 |
| Granger | $214,500 | $268,100 | $341,700 | $444,500 | $583,800 |
| Lakeville | $104,780 | $139,500 | $197,700 | $297,600 | $387,560 |
| Mishawaka | $69,600 | $105,700 | $143,200 | $202,100 | $271,300 |
| Nappanee | $165,090 | $191,625 | $260,400 | $379,850 | $589,010 |
| New Carlisle | $114,980 | $151,150 | $215,050 | $301,825 | $389,960 |
| North Liberty | $96,360 | $137,100 | $177,700 | $247,200 | $315,300 |
| Osceola | $87,500 | $134,750 | $198,100 | $273,400 | $343,700 |
| South Bend | $58,500 | $96,600 | $155,600 | $231,800 | $317,260 |
| Wakarusa | $176,320 | $221,850 | $276,100 | $355,650 | $433,180 |
| Walkerton | $98,650 | $126,675 | $156,400 | $206,575 | $278,700 |
| Wyatt | $72,100 | $95,250 | $118,800 | $137,500 | $160,100 |
| Knox | N/A | N/A | N/A | N/A | N/A |
| Notre Dame | N/A | N/A | N/A | N/A | N/A |
| Plymouth | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across St. Joseph County, Indiana
Median St. Joseph County Tax Bill
$1,877
Median Indiana Tax Bill
$1,964
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 | $893 | $1,431 | $2,218 | $3,158 | $4,397 |
| Granger | $1,688 | $2,260 | $2,996 | $4,016 | $5,551 |
| Lakeville | $685 | $1,152 | $1,938 | $3,086 | $4,334 |
| Mishawaka | $711 | $1,162 | $1,616 | $2,292 | $3,115 |
| Nappanee | $1,192 | $1,246 | $1,729 | $3,512 | $4,382 |
| New Carlisle | $1,050 | $1,579 | $2,334 | $3,219 | $4,120 |
| North Liberty | $791 | $1,283 | $1,780 | $2,465 | $3,382 |
| Osceola | $572 | $1,054 | $1,757 | $2,461 | $3,335 |
| South Bend | $725 | $1,165 | $1,804 | $2,720 | $4,061 |
| Wakarusa | $946 | $1,394 | $1,919 | $2,605 | $3,787 |
| Walkerton | $746 | $1,077 | $1,502 | $2,127 | $2,966 |
| Wyatt | $321 | $407 | $574 | $1,536 | $2,033 |
| Knox | N/A | N/A | N/A | N/A | N/A |
| Notre Dame | N/A | N/A | N/A | N/A | N/A |
| Plymouth | 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 | |
|---|---|
| St. Joseph Tax Assessor | |
| Website | engage.xsoftinc.com |