Dayton, Montgomery County, Ohio Property Taxes
Property Taxes in Dayton, Ohio
Median Dayton, Ohio effective property tax rate: 2.04%, significantly higher than the national median of 1.02%, and higher than the Ohio state median of 1.60%.
Median Dayton, Ohio home value: $125,540
Median annual Dayton, Ohio tax bill: $2,498, $98 higher than the national median property tax bill of $2,400.
How are property taxes in Montgomery calculated?
Property taxes in Dayton, 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 Dayton's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Dayton, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Dayton, Montgomery County, Ohio Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
2.04%
Estimate Property Tax Bill
$2,561
$2,377
How Does the Dayton Property Tax Calculator Work?
Use this Dayton property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Dayton's median effective tax rate of 2.04% — based on actual property records in Montgomery 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 Dayton'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 Dayton: rates range from $146 in 45427 to $6,736 in 45458, 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 Dayton.
About Dayton Property Taxes
About Property Taxes in Dayton, Montgomery, Ohio
Dayton’s median effective property tax rate of 2.04% is higher than the Ohio state median of 1.60% and higher than the national median of 1.02%. This rate reflects the Montgomery 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 Dayton. Homeowners in the 45439 ZIP code carry a median effective rate of 2.45%, while those in 45431 pay 1.69%. This spread reflects how school district boundaries and local assessment districts are drawn across Montgomery County. Understanding which part of Dayton you live in can make a meaningful difference to your annual tax bill.
Dayton homeowners who believe their assessed value is too high can file a formal appeal with the 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 Dayton, Montgomery 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 Dayton'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 Dayton Tax Rate
2.04%
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 Montgomery County Tax Rate
2.04%
Median Effective Ohio Tax Rate
1.60%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Dayton, Montgomery County, Ohio
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 45402 | 0.93% | 2.01% | 2.07% | 2.29% | 2.69% |
| 45403 | 1.35% | 1.97% | 2.02% | 2.06% | 2.14% |
| 45404 | 1.01% | 1.69% | 1.98% | 2.12% | 2.28% |
| 45405 | 1.69% | 2.00% | 2.06% | 2.56% | 2.68% |
| 45406 | 1.13% | 1.97% | 2.02% | 2.07% | 2.60% |
| 45408 | 1.15% | 1.91% | 2.02% | 2.06% | 2.14% |
| 45409 | 1.91% | 2.03% | 2.17% | 2.20% | 2.25% |
| 45410 | 1.49% | 1.96% | 1.99% | 2.03% | 2.07% |
| 45414 | 1.76% | 1.97% | 2.17% | 2.85% | 2.97% |
| 45415 | 1.78% | 2.02% | 2.07% | 2.53% | 2.59% |
| 45416 | 1.36% | 2.12% | 2.21% | 2.67% | 2.90% |
| 45417 | 1.04% | 2.00% | 2.08% | 2.39% | 3.03% |
| 45418 | 1.42% | 1.99% | 2.25% | 2.34% | 2.61% |
| 45419 | 1.81% | 1.96% | 2.17% | 2.19% | 2.24% |
| 45420 | 1.72% | 1.96% | 2.02% | 2.19% | 2.23% |
| 45424 | 1.50% | 1.78% | 1.81% | 1.85% | 1.97% |
| 45426 | 1.69% | 2.13% | 2.27% | 2.33% | 2.40% |
| 45427 | 1.76% | 2.06% | 2.32% | 2.65% | 3.30% |
| 45429 | 1.89% | 2.08% | 2.17% | 2.20% | 2.24% |
| 45431 | 1.31% | 1.66% | 1.69% | 1.74% | 1.97% |
| 45432 | 1.50% | 1.84% | 1.96% | 2.02% | 2.09% |
| 45439 | 1.89% | 1.94% | 2.45% | 2.50% | 2.53% |
| 45440 | 1.90% | 2.03% | 2.17% | 2.17% | 2.22% |
| 45449 | 1.78% | 2.11% | 2.16% | 2.45% | 2.46% |
| 45458 | 1.89% | 2.03% | 2.16% | 2.16% | 2.20% |
| 45459 | 1.84% | 2.03% | 2.08% | 2.16% | 2.44% |
| 45407 | N/A | N/A | N/A | N/A | N/A |
| 45412 | N/A | N/A | N/A | N/A | N/A |
| 45413 | N/A | N/A | N/A | N/A | N/A |
| 45422 | N/A | N/A | N/A | N/A | N/A |
| 45433 | N/A | N/A | N/A | N/A | N/A |
| 45435 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Dayton, Montgomery County, Ohio
When examining property taxes in Dayton, 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 Montgomery 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 Montgomery County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month when notices are sent.
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. The median home price in Dayton is $125,540, with tax bills ranging significantly across the county. Zip code 45458 has the highest median home price at $325,810.
Dayton’s median tax bill is $2,498, slightly above the national median property tax bill of $2,400.
Property Tax Assessment Values Across Dayton, Montgomery County, Ohio
Source: Ownwell
$7,515
$166,663
$325,810
Median Dayton Market Value
$125,540
Median Montgomery County Market Value
$139,400
Median Ohio Market Value
$168,370
Median United States Market Value
$235,294
Property Tax Assessment Values Across Dayton, Montgomery County, Ohio
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 45402 | $16,757 | $26,172 | $36,385 | $60,582 | $150,876 |
| 45403 | $22,130 | $33,875 | $57,435 | $76,665 | $96,994 |
| 45404 | $23,035 | $35,330 | $47,960 | $68,815 | $109,010 |
| 45405 | $24,018 | $37,790 | $49,180 | $67,970 | $112,360 |
| 45406 | $30,050 | $38,560 | $50,450 | $72,830 | $97,098 |
| 45408 | $2,790 | $4,265 | $13,700 | $50,542 | $60,795 |
| 45409 | $85,710 | $116,670 | $168,310 | $226,180 | $319,956 |
| 45410 | $35,490 | $64,570 | $89,040 | $110,000 | $132,210 |
| 45414 | $26,987 | $51,108 | $101,495 | $198,948 | $284,692 |
| 45415 | $91,027 | $127,328 | $170,015 | $207,052 | $246,538 |
| 45416 | $36,623 | $42,088 | $53,535 | $73,758 | $117,085 |
| 45417 | $14,960 | $25,090 | $36,230 | $53,432 | $88,400 |
| 45418 | $21,836 | $31,272 | $85,455 | $115,750 | $158,260 |
| 45419 | $110,220 | $136,990 | $161,640 | $192,635 | $267,100 |
| 45420 | $83,318 | $99,390 | $118,490 | $142,500 | $175,580 |
| 45424 | $107,214 | $131,090 | $162,690 | $210,858 | $258,827 |
| 45426 | $55,960 | $73,770 | $107,320 | $138,980 | $167,170 |
| 45427 | $1,970 | $3,085 | $7,515 | $33,188 | $58,565 |
| 45429 | $129,380 | $160,848 | $209,010 | $267,710 | $357,542 |
| 45431 | $36,398 | $86,165 | $113,500 | $137,730 | $184,792 |
| 45432 | $94,408 | $108,050 | $119,630 | $136,340 | $166,858 |
| 45439 | $42,790 | $116,230 | $128,840 | $147,430 | $179,418 |
| 45440 | $83,678 | $184,915 | $223,650 | $249,805 | $279,368 |
| 45449 | $64,270 | $98,775 | $143,980 | $180,115 | $204,557 |
| 45458 | $140,466 | $229,960 | $325,810 | $430,398 | $551,946 |
| 45459 | $120,720 | $195,445 | $271,395 | $332,892 | $406,670 |
| 45407 | N/A | N/A | N/A | N/A | N/A |
| 45412 | N/A | N/A | N/A | N/A | N/A |
| 45413 | N/A | N/A | N/A | N/A | N/A |
| 45422 | N/A | N/A | N/A | N/A | N/A |
| 45433 | N/A | N/A | N/A | N/A | N/A |
| 45435 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Dayton, Montgomery County, Ohio
How are property tax bills calculated in Dayton?
Property tax bills in Dayton are based on the assessed value of a home, which is compared with local tax rates to determine what a homeowner owes. The amount can vary widely because the bill depends on both the market value of the property and the tax rate set for the area. With a median home price of $125,540, homeowners in Dayton may see very different bills depending on where they live and how their property is assessed.
What factors affect the final bill? Location within Montgomery County matters, and tax bills can differ sharply from one ZIP code to another. The highest median tax bill is $6,736 in 45458, while the lowest median tax bill is $146 in 45427. That spread shows how much neighborhood-level differences can influence what homeowners pay.
For many homeowners, a higher property tax bill can raise monthly housing costs and make budgeting more difficult. The 25th percentile tax bill is $1,276, the 75th percentile is $4,158, and the 90th percentile reaches $6,217.
Median Dayton Tax Bill
$2,498
Median Montgomery County Tax Bill
$2,796
Median Ohio Tax Bill
$2,789
Median United States Tax Bill
$2,400
Property Tax Bills Across Dayton, Montgomery County, Ohio
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 45402 | $276 | $479 | $738 | $1,289 | $3,228 |
| 45403 | $422 | $671 | $1,079 | $1,496 | $1,909 |
| 45404 | $367 | $664 | $911 | $1,249 | $1,938 |
| 45405 | $449 | $751 | $1,031 | $1,595 | $2,694 |
| 45406 | $462 | $738 | $1,008 | $1,420 | $1,932 |
| 45408 | $57 | $70 | $161 | $685 | $1,241 |
| 45409 | $1,834 | $2,505 | $3,618 | $4,804 | $6,805 |
| 45410 | $640 | $1,140 | $1,695 | $2,148 | $2,582 |
| 45414 | $926 | $1,467 | $2,656 | $4,435 | $6,050 |
| 45415 | $1,932 | $2,792 | $3,653 | $4,409 | $5,350 |
| 45416 | $707 | $928 | $1,290 | $1,747 | $2,517 |
| 45417 | $255 | $499 | $756 | $1,158 | $1,957 |
| 45418 | $528 | $749 | $1,311 | $2,609 | $3,090 |
| 45419 | $2,300 | $2,823 | $3,320 | $3,984 | $5,628 |
| 45420 | $1,562 | $1,914 | $2,394 | $2,977 | $3,769 |
| 45424 | $1,776 | $2,320 | $2,869 | $3,785 | $4,765 |
| 45426 | $1,130 | $1,610 | $2,322 | $3,058 | $3,784 |
| 45427 | $59 | $101 | $146 | $791 | $1,218 |
| 45429 | $2,738 | $3,428 | $4,411 | $5,636 | $7,623 |
| 45431 | $746 | $1,488 | $1,916 | $2,345 | $3,087 |
| 45432 | $1,589 | $1,979 | $2,277 | $2,605 | $3,212 |
| 45439 | $1,322 | $2,554 | $3,022 | $3,432 | $4,293 |
| 45440 | $1,505 | $3,775 | $4,642 | $5,300 | $5,983 |
| 45449 | $1,525 | $2,180 | $3,078 | $4,021 | $4,650 |
| 45458 | $2,734 | $4,445 | $6,736 | $9,104 | $11,750 |
| 45459 | $2,363 | $4,049 | $5,622 | $7,015 | $8,742 |
| 45407 | N/A | N/A | N/A | N/A | N/A |
| 45412 | N/A | N/A | N/A | N/A | N/A |
| 45413 | N/A | N/A | N/A | N/A | N/A |
| 45422 | N/A | N/A | N/A | N/A | N/A |
| 45433 | N/A | N/A | N/A | N/A | N/A |
| 45435 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | March 31 |
Links | |
|---|---|
| Montgomery Tax Assessor | |
| Website | www.mcrealestate.org |