Property Taxes in Kettering, Ohio
Median Kettering, Ohio effective property tax rate: 2.19%, significantly higher than the national median of 1.02%, and higher than the Ohio state median of 1.60%.
Median Kettering, Ohio home value: $130,380
Median annual Kettering, Ohio tax bill: $2,871, higher than the national median property tax bill of $2,400.
How are property taxes in Montgomery calculated?
Property taxes in Kettering, 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 Kettering's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Kettering, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Kettering Property Tax Calculator Work?
Use this Kettering property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Kettering's median effective tax rate of 2.19% — 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 Kettering'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 Kettering: rates range from 2.19% in 45420 to 2.19% in 45420, 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 Kettering.
About Kettering Property Taxes
About Property Taxes in Kettering, Montgomery, Ohio
Kettering's median effective property tax rate of 2.19% 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 Kettering. Homeowners in the 45420 ZIP code carry a median effective rate of 2.19%, while those in the lowest ZIP code also pay 2.19%. This spread reflects how school district boundaries and local assessment districts are drawn across Montgomery County. Understanding which part of Kettering you live in can make a meaningful difference to your annual tax bill.
Kettering 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 Kettering, 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 Kettering'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 Kettering Tax Rate
2.19%
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
1.27%
Property Tax Rates Across Kettering, Montgomery County, Ohio
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 45420 | 1.86% | 2.18% | 2.19% | 2.25% | 2.41% |
| 45429 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Kettering, Montgomery County, Ohio
When examining property taxes in Kettering, 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 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 Montgomery 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 Kettering.
For example, the median home price in Kettering is $130,380, with tax bills ranging significantly across the county. 45420 has the highest median home price at $128,950.
Property Tax Assessment Values Across Kettering, Montgomery County, Ohio
Source: Ownwell
$7,515
$166,663
$325,810
Median Kettering Market Value
$130,380
Median Montgomery County Market Value
$139,400
Median Ohio Market Value
$168,370
Median United States Market Value
$274,101
Property Tax Assessment Values Across Kettering, Montgomery County, Ohio
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 45420 | $103,664 | $117,230 | $128,950 | $153,150 | $173,384 |
| 45429 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Kettering, Montgomery County, Ohio
Property tax bills in Kettering 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 each year, with the final bill reflecting the tax rates set by local taxing authorities.
For homeowners, this means a higher assessed value can lead to a larger tax bill, even if the home has not changed much physically. In Kettering, the median home price is $130,380, and the median property tax bill is $2,871. That is above the national median property tax bill of $2,400 and well above the national median property tax rate of 1.02%. Tax bills in the city can vary, with the 25th percentile at $2,455, the 75th percentile at $3,440, and the 90th percentile at $3,815.
Median Kettering Tax Bill
$2,871
Median Montgomery County Tax Bill
$2,796
Median Ohio Tax Bill
$2,789
Median United States Tax Bill
$3,209
Property Tax Bills Across Kettering, Montgomery County, Ohio
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 45420 | $2,294 | $2,597 | $2,871 | $3,280 | $3,806 |
| 45429 | 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 |