Grafton, Lorain County, Ohio Property Taxes
Property Taxes in Grafton, Ohio
Median Grafton, Ohio effective property tax rate: 1.55%, significantly lower than the national median of 1.02%, and lower than the Ohio state median of 1.60%.
Median Grafton, Ohio home value: $247,550
Median annual Grafton, Ohio tax bill: $3,811, higher than the national median property tax bill of $2,400.
How are property taxes in Lorain calculated?
Property taxes in Grafton, Ohio 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 Grafton’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Grafton, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Grafton, Lorain County, Ohio Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.55%
Estimate Property Tax Bill
$3,837
$3,561
How Does the Grafton Property Tax Calculator Work?
Use this Grafton property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Grafton's median effective tax rate of 1.55% — based on actual property records in Lorain 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 Grafton'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 Grafton: rates range from 1.55% in 44044 to 1.55% in 44044, 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 Grafton.
About Grafton Property Taxes
About Property Taxes in Grafton, Lorain, Ohio
Grafton’s median effective property tax rate of 1.55% is lower than the Ohio state median of 1.60% and higher than the national median of 1.02%. This rate reflects the Lorain 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 Grafton. Homeowners in the 44044 ZIP code carry a median effective rate of 1.55%, while those in the same ZIP code pay 1.55%. This spread reflects how school district boundaries and local assessment districts are drawn across Lorain County. Understanding which part of Grafton you live in can make a meaningful difference to your annual tax bill.
Grafton homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the March 31, 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 Grafton, Lorain County, Ohio
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 Grafton's effective property tax rate to other cities in Ohio and the median property tax rates in Ohio and the U.S.
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 Grafton Tax Rate
1.55%
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 Lorain County Tax Rate
1.59%
Median Effective Ohio Tax Rate
1.60%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Grafton, Lorain County, Ohio
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 44044 | 1.38% | 1.50% | 1.55% | 1.59% | 1.65% |
Source: Ownwell
Property Tax Assessment Values Across Grafton, Lorain County, Ohio
When examining property taxes in Grafton, Ohio, 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 Lorain County tax authority 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 Lorain County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month.
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. For example, the median home price in Grafton is $247,550, with a median tax bill of $3,811. The highest median home price is in 44044 at $247,550.
Property Tax Assessment Values Across Grafton, Lorain County, Ohio
Source: Ownwell
$10,835
$217,345
$423,855
Median Grafton Market Value
$247,550
Median Lorain County Market Value
$189,380
Median Ohio Market Value
$168,370
Median United States Market Value
$235,294
Property Tax Assessment Values Across Grafton, Lorain County, Ohio
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 44044 | $108,126 | $173,740 | $247,550 | $349,950 | $441,938 |
Source: Ownwell
Property Tax Bills Across Grafton, Lorain County, Ohio
Property tax bills in Grafton are calculated by applying local tax rates to a home’s assessed value, which is based on the market value of the property. The assessed value is then used to determine how much a homeowner owes to the county, city, schools, and other local services. For a median home price of $247,550, the tax bill can vary widely depending on the exact location and taxing districts.
What homeowners pay is shaped by several factors, including the home’s assessed value, local levies, and any changes in tax rates. In Grafton, the median tax bill is $3,811, which is above the national median property tax bill of $2,400 and above the national median property tax rate of 1.02%. Bills range from $2,632 at the 25th percentile to $5,374 at the 75th percentile, with the 90th percentile reaching $6,899. That means property taxes can have a meaningful impact on monthly housing costs and long-term affordability for homeowners.
Median Grafton Tax Bill
$3,811
Median Lorain County Tax Bill
$3,053
Median Ohio Tax Bill
$2,789
Median United States Tax Bill
$2,400
Property Tax Bills Across Grafton, Lorain County, Ohio
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 44044 | $1,757 | $2,632 | $3,811 | $5,374 | $6,899 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | March 31 |
Links | |
|---|---|
| Lorain Tax Assessor | |
| Website | loraincountyauditor.gov |