Property Taxes in Lock Haven, Pennsylvania
Median Lock Haven, Pennsylvania effective property tax rate: 2.52%, significantly lower than the national median of 1.02%, and lower than the Pennsylvania state median of 2.75%.
Median Lock Haven, Pennsylvania home value: $49,270
Median annual Lock Haven, Pennsylvania tax bill: $1,204, lower than the national median property tax bill of $2,400.
How are property taxes in Lycoming calculated?
Property taxes in Lock Haven, Pennsylvania 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 Lock Haven's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Lock Haven, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Lock Haven Property Tax Calculator Work?
Use this Lock Haven property tax calculator to estimate your annual property tax bill. Enter your property’s assessed value and our calculator applies Lock Haven’s median effective tax rate of 2.52% — based on actual property records in Lycoming County — to generate your estimate.
Enter your property’s estimated assessed value — the figure used to calculate your bill, which reflects any exemptions you hold and is typically lower than your home’s market value. Our calculator applies Lock Haven’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 Lock Haven: rates range from $1204.00 in 17745 to $1204.00 in 17745, 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 Lock Haven.
About Lock Haven Property Taxes
About Property Taxes in Lock Haven, Lycoming, Pennsylvania
Lock Haven's median effective property tax rate of 2.52% is lower than the Pennsylvania state median of 2.75% and higher than the national median of 1.02%. This rate reflects the Lycoming County base levy combined with local school district levies and special taxing districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Lock Haven. Homeowners in the 17745 ZIP code carry a median effective rate of 2.52%, while those in the lowest ZIP also pay 2.52%. This spread reflects how school district boundaries and local assessment districts are drawn across Lycoming County. Understanding which part of Lock Haven you live in can make a meaningful difference to your annual tax bill.
Lock Haven homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the August 1, 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 Lock Haven, Lycoming County, Pennsylvania
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 Lock Haven's effective property tax rate to other cities in Pennsylvania and the median property tax rates in Pennsylvania 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 Lock Haven Tax Rate
2.52%
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 Lycoming County Tax Rate
2.63%
Median Effective Pennsylvania Tax Rate
2.75%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Lock Haven, Lycoming County, Pennsylvania
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 17745 | 2.52% | 2.52% | 2.52% | 2.52% | 2.65% |
Source: Ownwell
Property Tax Assessment Values Across Lock Haven, Lycoming County, Pennsylvania
When examining property taxes in Lock Haven, Pennsylvania, 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 Lycoming 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 Lycoming 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. For context, the median home price in Lock Haven is $49,270, while the median tax bill is $1,204. Tax bills range from $705 at the 25th percentile to $2,035 at the 75th percentile and $2,963 at the 90th percentile.
Property Tax Assessment Values Across Lock Haven, Lycoming County, Pennsylvania
Source: Ownwell
$38,575
$89,068
$139,560
Median Lock Haven Market Value
$49,270
Median Lycoming County Market Value
$88,010
Median Pennsylvania Market Value
$118,310
Median United States Market Value
$274,101
Property Tax Assessment Values Across Lock Haven, Lycoming County, Pennsylvania
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 17745 | $22,370 | $31,968 | $49,270 | $83,050 | $121,726 |
Source: Ownwell
Property Tax Bills Across Lock Haven, Lycoming County, Pennsylvania
Property tax bills in Lock Haven are based on the assessed value of a home and the local tax rate set by taxing authorities. When a property’s assessed value rises, the tax bill can increase even if the homeowner has not made any changes to the home. Local budgets, school taxes, and municipal needs all play a role in determining the final amount.
With a median home price of $49,270, property taxes in Lock Haven can still vary widely from one homeowner to another. The 25th percentile tax bill is $705, while the 75th percentile reaches $2,035 and the 90th percentile climbs to $2,963. The median tax bill in zip code 17745 is $1,204.
For homeowners, this means property taxes can have a meaningful impact on monthly housing costs and long-term affordability. Understanding how the bill is calculated can help homeowners see why their taxes changed and whether their assessed value reflects the market.
Median Lock Haven Tax Bill
$1,204
Median Lycoming County Tax Bill
$2,492
Median Pennsylvania Tax Bill
$3,050
Median United States Tax Bill
$3,209
Property Tax Bills Across Lock Haven, Lycoming County, Pennsylvania
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 17745 | $352 | $705 | $1,204 | $2,035 | $2,963 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | September 1 |
Links | |
|---|---|
| Lycoming Tax Assessor | |
| Website | propertyinfo.lyco.org |