Property Taxes in Swiftwater, Pennsylvania
Median Swiftwater, Pennsylvania effective property tax rate: 0.94%, significantly lower than the national median of 1.02%, and lower than the Pennsylvania state median of 2.75%.
Median Swiftwater, Pennsylvania home value: $171,515
Median annual Swiftwater, Pennsylvania tax bill: $1,596, $804 lower than the national median property tax bill of $2,400.
How are property taxes in Monroe calculated?
Property taxes in Swiftwater, 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 Swiftwater's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Swiftwater, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Swiftwater Property Tax Calculator Work?
Use this Swiftwater property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Swiftwater's median effective tax rate of 0.94% — based on actual property records in Monroe 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 Swiftwater'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 Swiftwater: rates range from 0.94% in 18370 to 0.94% in 18370, 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 Swiftwater.
About Swiftwater Property Taxes
About Property Taxes in Swiftwater, Monroe, Pennsylvania
Swiftwater’s median effective property tax rate of 0.94% is lower than the Pennsylvania state median of 2.75% and lower than the national median of 1.02%. This rate reflects the Monroe 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 Swiftwater. Homeowners in the 18370 ZIP code carry a median effective rate of 0.94%, while those in the same ZIP code pay 0.94%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Monroe County. Understanding which part of Swiftwater you live in can make a meaningful difference to your annual tax bill.
Swiftwater 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 Swiftwater, Monroe 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 Swiftwater'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 Ă· 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 Swiftwater Tax Rate
0.94%
Our median effective property tax rate (tax bill Ă· 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 Monroe County Tax Rate
0.81%
Median Effective Pennsylvania Tax Rate
2.75%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Swiftwater, Monroe County, Pennsylvania
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 18370 | 0.92% | 0.92% | 0.94% | 0.94% | 0.94% |
Source: Ownwell
Property Tax Assessment Values Across Swiftwater, Monroe County, Pennsylvania
When examining property taxes in Swiftwater, 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 Monroe 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 Monroe 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. By understanding how assessed and market values are determined, property owners can better navigate their tax responsibilities and the valuation process affecting their property taxes in Swiftwater.
For example, the median home price in Swiftwater is $171,515, with tax bills ranging significantly across the county. ZIP code 18370 has the highest median home price at $171,515.
Property Tax Assessment Values Across Swiftwater, Monroe County, Pennsylvania
Source: Ownwell
$71,790
$490,800
$909,810
Median Swiftwater Market Value
$171,515
Median Monroe County Market Value
$137,990
Median Pennsylvania Market Value
$118,310
Median United States Market Value
$274,101
Property Tax Assessment Values Across Swiftwater, Monroe County, Pennsylvania
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 18370 | $111,823 | $138,285 | $171,515 | $222,378 | $302,572 |
Source: Ownwell
Property Tax Bills Across Swiftwater, Monroe County, Pennsylvania
Property tax bills in Swiftwater are based on the assessed value of a home and the local tax rate set by taxing authorities in Monroe County. When a property is assessed, that value is multiplied by the applicable millage rate to determine the annual tax bill. Homes with higher assessed values generally face higher bills, while properties with lower assessments pay less.
For homeowners in Swiftwater, the median home price is $171,515, and the median property tax bill is $1,596. That figure is below the national median property tax bill of $2,400 and also below the national median property tax rate of 1.02%. The 25th percentile tax bill is $1,293, while the 75th percentile is $2,084 and the 90th percentile reaches $2,842.
Because property taxes are tied to assessed value, changes in market conditions or a reassessment can affect what homeowners owe.
Median Swiftwater Tax Bill
$1,596
Median Monroe County Tax Bill
$1,126
Median Pennsylvania Tax Bill
$3,050
Median United States Tax Bill
$3,209
Property Tax Bills Across Swiftwater, Monroe County, Pennsylvania
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 18370 | $1,026 | $1,293 | $1,596 | $2,084 | $2,842 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | August 1 |
Links | |
|---|---|
| Monroe Tax Assessor | |
| Website | agencies.monroecountypa.gov |