Ottawa County, Ohio Property Taxes
Property Taxes in Ottawa County, Ohio
Median Ottawa County effective property tax rate: 1.19%, significantly higher than the national median of 1.02%.
Median Ottawa County home value: $175,900
Median annual Ottawa County tax bill: $2,259, lower than the national median property tax bill of $2,400.
How are property taxes in Ottawa County calculated?
Property taxes in Ottawa 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.
Understanding your county's property tax system, exemptions, and reduction opportunities can lead to significant savings. Whether you live in Ottawa County or another part of the county, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Ottawa County, Ohio Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.19%
Estimate Property Tax Bill
$2,093
$1,942
How Does the Ottawa County Property Tax Calculator Work?
Use this Ottawa County property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Ottawa County's median effective tax rate of 1.19% 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. Ottawa County's median tax rate is higher than the Ohio median tax rate of 1.60%, while the county's median tax bill of $2,259 is $141 lower than the state median tax bill and below the national median property tax bill of $2,400.
For a more precise estimate, scroll down to explore city and ZIP code-level tax rate trends across Ottawa County.
Property Tax Rates Across Ottawa County, Ohio
What Are Effective Property Tax Rates Across Ottawa County?
Local government entities set tax rates, which vary widely across Ottawa 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 Ottawa County's effective property tax rate to other counties in Ohio or the U.S. median of 1.02%.
Ottawa County's median effective rate stands at 1.19%, which is higher than the national median of 1.02%. Within Ottawa County, the highest rate is found in Elmore at 1.61%, while Middle Bass has the lowest at 0.73%.
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 Ottawa County Tax Rate
1.19%
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 Ohio Tax Rate
1.60%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Ottawa County, Ohio
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Clay Center | 1.18% | 1.54% | 1.57% | 1.59% | 2.06% |
| Curtice | 1.32% | 1.55% | 1.58% | 1.59% | 1.62% |
| Elmore | 1.33% | 1.58% | 1.61% | 1.88% | 1.90% |
| Fremont | 1.31% | 1.42% | 1.43% | 1.45% | 1.45% |
| Genoa | 1.31% | 1.54% | 1.57% | 1.69% | 1.69% |
| Graytown | 1.03% | 1.28% | 1.30% | 1.31% | 1.32% |
| Gypsum | 0.80% | 1.17% | 1.20% | 1.20% | 1.23% |
| Isle Saint George | 1.00% | 1.04% | 1.04% | 1.04% | 1.04% |
| Lacarne | 0.88% | 1.14% | 1.18% | 1.21% | 1.24% |
| Lakeside Marblehead | 1.17% | 1.19% | 1.19% | 1.19% | 1.22% |
| Martin | 1.13% | 1.31% | 1.55% | 1.66% | 1.69% |
| Middle Bass | 0.73% | 0.73% | 0.73% | 0.73% | 0.73% |
| Millbury | 1.32% | 1.42% | 1.56% | 1.58% | 1.60% |
| Oak Harbor | 1.14% | 1.28% | 1.31% | 1.47% | 1.57% |
| Port Clinton | 1.04% | 1.13% | 1.15% | 1.21% | 1.24% |
| Put In Bay | 1.00% | 1.06% | 1.08% | 1.08% | 1.15% |
| Rocky Ridge | 0.95% | 1.30% | 1.33% | 1.34% | 1.40% |
| Williston | 1.25% | 1.55% | 1.58% | 1.60% | 1.61% |
| Woodville | 1.32% | 1.57% | 1.58% | 1.61% | 1.62% |
| Lindsey | N/A | N/A | N/A | N/A | N/A |
| Marblehead | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Ottawa County, Ohio
When examining property taxes in Ottawa 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 Ottawa 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 Ottawa County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of March.
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 Ottawa County.
For example, the median tax bill in Ottawa County is $2,259, which is close to the national median property tax bill of $2,400. Tax bills range significantly across the county, from $969 in Gypsum to $4,556 in Woodville. Put-in-Bay has the highest median home price at $357,475.
Median Ottawa County Market Value
$175,900
Median Ohio Market Value
$168,370
Median United States Market Value
$235,294
Property Tax Assessment Values Across Ottawa County, Ohio
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Clay Center | $52,640 | $72,050 | $95,540 | $116,900 | $142,460 |
| Curtice | $108,506 | $156,920 | $229,320 | $341,920 | $434,626 |
| Elmore | $89,420 | $123,010 | $162,060 | $239,380 | $330,440 |
| Fremont | $129,002 | $160,408 | $276,590 | $412,968 | $496,969 |
| Genoa | $81,157 | $114,135 | $149,315 | $194,322 | $272,861 |
| Graytown | $74,332 | $143,810 | $199,030 | $284,690 | $404,712 |
| Gypsum | $14,660 | $56,560 | $86,500 | $104,635 | $139,120 |
| Isle Saint George | $40,516 | $57,162 | $120,330 | $236,292 | $372,497 |
| Lacarne | $29,164 | $58,255 | $96,020 | $116,545 | $159,376 |
| Lakeside Marblehead | $23,571 | $86,652 | $205,275 | $407,100 | $647,433 |
| Martin | $78,032 | $139,888 | $197,960 | $293,610 | $401,946 |
| Middle Bass | $99,550 | $159,658 | $226,175 | $309,325 | $446,425 |
| Millbury | $117,915 | $149,330 | $199,320 | $286,408 | $415,730 |
| Oak Harbor | $35,260 | $95,980 | $146,355 | $218,655 | $315,553 |
| Port Clinton | $24,700 | $79,205 | $174,270 | $305,922 | $496,085 |
| Put In Bay | $134,042 | $232,328 | $357,475 | $509,818 | $775,010 |
| Rocky Ridge | $24,444 | $63,410 | $95,630 | $129,090 | $171,984 |
| Williston | $88,661 | $110,238 | $136,215 | $168,305 | $199,873 |
| Woodville | $153,346 | $200,398 | $288,450 | $354,980 | $505,231 |
| Lindsey | N/A | N/A | N/A | N/A | N/A |
| Marblehead | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Ottawa County, Ohio
Property tax bills in Ottawa County, Ohio are based on the assessed value of a home, not its market price alone. Local taxing authorities apply their tax rates to that assessed value to determine the annual bill, so two homes with similar market values can still owe different amounts depending on assessment details and local levies.
For a county with a median home price of $175,900, the final tax bill can vary widely. The 25th percentile tax bill is $1,193, while the 75th percentile tax bill is $3,779 and the 90th percentile reaches $5,970. That spread shows how location, property characteristics, and taxing districts can influence what homeowners pay.
These bills affect monthly housing costs and long-term affordability. In Ottawa County, Ohio, homeowners in places like Woodville, where the median tax bill is $4,556, may face much higher costs than those in Gypsum, where the median tax bill is $969.
Median Ottawa County Tax Bill
$2,259
Median Ohio Tax Bill
$2,789
Median United States Tax Bill
$2,400
Property Tax Bills Across Ottawa County, Ohio
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Clay Center | $736 | $1,170 | $1,556 | $1,903 | $2,381 |
| Curtice | $1,640 | $2,355 | $3,498 | $5,270 | $6,726 |
| Elmore | $1,450 | $2,075 | $2,790 | $3,940 | $5,400 |
| Fremont | $1,846 | $2,293 | $3,739 | $5,989 | $7,094 |
| Genoa | $1,153 | $1,734 | $2,348 | $3,123 | $4,360 |
| Graytown | $967 | $1,755 | $2,503 | $3,539 | $4,867 |
| Gypsum | $196 | $612 | $969 | $1,180 | $1,672 |
| Isle Saint George | $421 | $584 | $1,251 | $2,203 | $3,871 |
| Lacarne | $226 | $659 | $1,034 | $1,324 | $1,854 |
| Lakeside Marblehead | $277 | $1,000 | $2,413 | $4,849 | $7,750 |
| Martin | $1,179 | $1,958 | $2,930 | $4,135 | $5,810 |
| Middle Bass | $723 | $1,154 | $1,638 | $2,244 | $3,158 |
| Millbury | $1,734 | $2,261 | $3,017 | $4,348 | $6,140 |
| Oak Harbor | $472 | $1,261 | $2,005 | $2,975 | $4,117 |
| Port Clinton | $277 | $886 | $2,028 | $3,494 | $5,670 |
| Put In Bay | $1,336 | $2,415 | $3,762 | $5,470 | $8,254 |
| Rocky Ridge | $311 | $657 | $1,207 | $1,712 | $2,233 |
| Williston | $1,299 | $1,629 | $2,073 | $2,550 | $2,934 |
| Woodville | $2,230 | $3,133 | $4,556 | $5,586 | $7,245 |
| Lindsey | N/A | N/A | N/A | N/A | N/A |
| Marblehead | 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 | |
|---|---|
| Ottawa Tax Assessor | |
| Website | auditor.co.ottawa.oh.us |