Kettering, Montgomery County, Ohio Property Taxes

Name: Property Tax Bills Across Kettering, Montgomery County, Ohio
Creator: Ownwell
License: https://creativecommons.org/licenses/by-nc/4.0/

Median Kettering, OH effective property tax rate: 2.75%, significantly higher than the national median of 1.02%, but lower than the Ohio state median of 1.80%.
Median Kettering, OH home value: $116,000
Median annual Kettering, OH tax bill: $2,848, $448 higher than the national median property tax bill of $2,400.

How are property taxes in Montgomery calculated?

Property taxes in Kettering, OH 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 March 1, 2025

Kettering, Montgomery County, Ohio Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

2.75%

Estimate Property Tax Bill

$3,190

$2,960

Ownwell’s Kettering Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in Kettering with just two data points. By entering your property's estimated assessed value, our calculator applies Kettering’s median effective tax rate to accurately estimate your property tax bill. Note that your property's assessed value — determined by your county — reflects any exemptions you may have, ensuring a precise calculation for your property tax obligations. This insightful tool helps you understand potential tax liabilities and highlights how Ownwell can assist in reducing property taxes in Montgomery County. For those interested in more localized information, please scroll down to explore city-level trends!

Property Tax Rates Across Kettering, Montgomery County, Ohio

Local government entities set tax rates, which can vary widely within a state. This variability stems from each county's need to estimate its budget annually for providing services, which is then divided by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate. Although votes and laws play a role in setting these rates and budgets, this is essentially the annual process.

In Kettering, Montgomery County, Ohio, the effective property tax rate is notably higher than the national median of 1.02%. This rate is consistent with the county's approach to budgeting and service provision. Compared to other cities in Ohio, Kettering's rate aligns closely with the highest median tax rates within the state, which reflects the county's fiscal strategies. Despite the variations, Kettering's rate is considerably above the national median, which may influence homeowners' decisions in the area. Understanding these rates can help property owners make informed decisions about appeals and exemptions, ensuring they are not overpaying on their property taxes.

Property Tax Rates Across Kettering, Montgomery County, Ohio

Source: Ownwell

1.27%

2.33%

3.39%

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

2.75%

Median Effective Montgomery County Tax Rate

2.62%

Median Effective Ohio Tax Rate

1.80%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Kettering, Montgomery County, Ohio

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
45420	2.21%	2.62%	2.77%	2.83%	2.85%
45440	2.05%	2.38%	2.75%	2.80%	2.81%
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 Auditor 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 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 Kettering. For example, the median home price in Kettering is $116,000, with tax bills ranging significantly across the county. Zip code 45440 has the highest median home price at $144,310.

Property Tax Assessment Values Across Kettering, Montgomery County, Ohio

Source: Ownwell

$4,930

$124,385

$243,840

Median Kettering Market Value

$116,000

Median Montgomery County Market Value

$98,910

Median Ohio Market Value

$133,400

Median United States Market Value

$235,294

Property Tax Assessment Values Across Kettering, Montgomery County, Ohio

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
45420	$71,680	$82,085	$90,835	$111,968	$121,238
45440	$5,350	$95,520	$144,310	$169,352	$197,313
45429	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Bills Across Kettering, Montgomery County, Ohio

In Kettering, located in Montgomery County, OH, property tax bills are calculated based on the assessed value of a property, which is a percentage of its market value. The local tax rate is then applied to this assessed value to determine the annual tax bill. Factors influencing the tax bill include the property's location, size, and improvements. In Kettering, the median home price is $116,000, and the median property tax bill is significantly higher than the national median of $2,400, with some homeowners paying up to $5,177, especially in zip code 45440. This can place a financial burden on homeowners, making it crucial to ensure that properties are accurately assessed. Ownwell assists homeowners by reviewing their property assessments and identifying potential inaccuracies. By appealing incorrect assessments, we can help reduce tax bills, ensuring you pay only your fair share. With our expertise, homeowners in Kettering can navigate the complexities of property taxes and potentially save significantly on their annual bills.

Property Tax Bills Across Kettering, Montgomery County, Ohio

Source: Ownwell

$140

$3,884

$7,628

Median Kettering Tax Bill

$2,848

Median Montgomery County Tax Bill

$2,435

Median Ohio Tax Bill

$2,396

Median United States Tax Bill

$2,400

Property Tax Bills Across Kettering, Montgomery County, Ohio

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
45420	$1,814	$2,085	$2,437	$2,955	$3,306
45440	$147	$1,462	$3,444	$4,485	$5,464
45429	N/A	N/A	N/A	N/A	N/A

Source: Ownwell