Phillips County, Montana Property Taxes
Property Taxes in Phillips County, Montana
Median Phillips County effective property tax rate: 1.33%, significantly higher than the national median of 1.02%.
Median Phillips County home value: $105,619
Median annual Phillips County tax bill: $1,404, lower than the national median property tax bill of $2,400.
How are property taxes in Phillips County calculated?
Property taxes in Phillips 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 does the Phillips County property tax rate matter? Because a 1.33% effective property tax rate can affect what homeowners owe each year, even when the median tax bill is below the national median. How do exemptions help? They can reduce the assessed value and lower the tax bill for eligible homeowners. What should homeowners know about market value? Taxes are tied to assessed value, not market value, so understanding the difference can reveal savings opportunities. Whether you live in Phillips County or another part of the county, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Phillips County, Montana Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.33%
Estimate Property Tax Bill
$1,405
$1,304
How Does the Phillips County Property Tax Calculator Work?
Use this Phillips County property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Phillips County's median effective tax rate of 1.33% to generate your estimate.
Enter your property's estimated assessed value — the figure the appraisal district 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. Phillips County's median effective tax rate is higher than the Montana median tax rate of 0.78% and above the national median property tax rate of 1.02%. The median property tax bill is $1,404, which is $996 lower than the Montana median tax bill.
For a more precise estimate, scroll down to explore city and ZIP code-level tax rate trends across Phillips County.
Property Tax Rates Across Phillips County, Montana
What Are Effective Property Tax Rates Across Phillips County?
Local government entities set tax rates, which vary widely across Phillips 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 Phillips County's effective property tax rate to other counties in Montana or the U.S. median of 1.02%.
Phillips County's median effective rate stands at 1.33%, which is higher than the national median of 1.02%. Within Phillips County, the highest rate is found in Saco at 1.60%, while Zortman has the lowest at 1.00%.
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 Phillips County Tax Rate
1.33%
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 Montana Tax Rate
0.78%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Phillips County, Montana
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Dodson | 0.89% | 1.03% | 1.11% | 1.93% | 2.86% |
| Loring | 0.86% | 0.90% | 1.02% | 1.26% | 1.71% |
| Malta | 0.94% | 1.15% | 1.33% | 1.60% | 2.09% |
| Saco | 0.85% | 1.07% | 1.60% | 2.24% | 3.02% |
| Whitewater | 0.91% | 1.02% | 1.20% | 1.93% | 2.57% |
| Zortman | 0.73% | 0.83% | 1.00% | 1.41% | 2.18% |
| Hinsdale | N/A | N/A | N/A | N/A | N/A |
| Turner | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Phillips County, Montana
When examining property taxes in Phillips 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 Phillips County assessment office 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 Phillips County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of spring.
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 Phillips County.
For example, the median tax bill in Phillips County is $1,404, with tax bills ranging significantly across the county. Loring has the highest median home price at $190,224.
Property Tax Assessment Values Across Phillips County, Montana
Source: Ownwell
$36,418
$113,321
$190,224
Median Phillips County Market Value
$105,619
Median Montana Market Value
$317,000
Median United States Market Value
$235,294
Property Tax Assessment Values Across Phillips County, Montana
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Dodson | $3,413 | $13,695 | $42,326 | $136,110 | $222,376 |
| Loring | $33,056 | $62,959 | $190,224 | $302,042 | $544,253 |
| Malta | $32,700 | $69,817 | $130,200 | $196,686 | $257,123 |
| Saco | $8,530 | $27,660 | $58,728 | $127,514 | $205,407 |
| Whitewater | $12,234 | $41,668 | $84,318 | $250,095 | $444,124 |
| Zortman | $2,574 | $7,868 | $36,418 | $96,173 | $175,274 |
| Hinsdale | N/A | N/A | N/A | N/A | N/A |
| Turner | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Phillips County, Montana
Property tax bills in Phillips County are based on the assessed value of a home and the local tax rate applied to that value. When a property is assessed, the county determines its market value, then uses that figure to calculate the bill owed by the homeowner. A higher assessed value generally means a higher property tax bill, while a lower assessment can reduce the amount due.
In Phillips County, the median home price is $105,619, and property tax bills vary widely across the county. The 25th percentile tax bill is $768, while the 75th percentile reaches $2,266, and the 90th percentile climbs to $3,100. That range shows how location, property characteristics, and assessment differences can affect what homeowners pay.
For many homeowners, property taxes are a major ongoing housing expense, and even small changes in assessed value can have a noticeable impact on the annual bill.
Median Phillips County Tax Bill
$1,404
Median Montana Tax Bill
$2,559
Median United States Tax Bill
$2,400
Property Tax Bills Across Phillips County, Montana
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Dodson | $43 | $402 | $776 | $1,663 | $2,596 |
| Loring | $522 | $871 | $1,981 | $3,543 | $7,069 |
| Malta | $612 | $1,046 | $1,718 | $2,448 | $3,199 |
| Saco | $255 | $576 | $884 | $1,513 | $2,303 |
| Whitewater | $563 | $952 | $1,780 | $3,067 | $5,760 |
| Zortman | $25 | $144 | $573 | $884 | $1,642 |
| Hinsdale | N/A | N/A | N/A | N/A | N/A |
| Turner | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | July 31 |
Links | |
|---|---|
| Phillips Tax Assessor | |
| Website | svc.mt.gov |