Property tax in Montgomery County, Ohio

Who sends the property tax bill in Montgomery County, and how do you pay it?

The bill comes from the Montgomery County Treasurer. The value it is based on is set by a separate office, the Montgomery County Auditor, which is who to ask if the value looks wrong. For how to look up and pay the bill, go to the county's own payment information.

The county auditor sets the value and the county treasurer sends the bill. Ohio bills a year in arrears, so 2025 taxes are paid in two halves during 2026. The auditor reappraised every property in 2026; the new values first affect bills paid in 2027. The Board of Revision is made up of representatives of the County Auditor, the County Treasurer and the County Commissioners, and it rules on the property's value, not the tax amount. Online payments go through the county's processor, Point and Pay, which charges $0.50 for an e-check, 2.3% for a credit card and $2.95 for a debit card. The treasurer does not take payments over the phone; Point and Pay's automated phone line carries the same card fees, and a live Point and Pay agent adds a $5 charge. The treasurer's free prepayment plan lets owners who are current on their taxes pay monthly; applications must be sent at least 60 days before a due date. A late-payment penalty can be forgiven only in limited cases set by state law, such as a bill that never arrived despite a good-faith effort to get it within 30 days after the due date, or a death, serious injury or hospital stay near the due date, by applying to the treasurer.

When are property taxes due in Montgomery County?

Every due date for the 2025 taxes payable in calendar year 2026 bill has passed, and Montgomery County had not posted the next cycle's dates when we checked on September 23, 2026. If that bill is still unpaid, the late-payment rules below apply to it. Counties usually repeat the schedule, but confirm the new dates on your next bill. For the 2025 taxes payable in calendar year 2026 bill, Montgomery County splits the bill into 2 payments, the first due February 13, 2026 and the last July 24, 2026. A 10% penalty is added to any half not paid in full by its due date; Ohio law cuts that penalty in half if the full amount is paid within 10 days after the due date. On August 1, 2026, interest of 4.67% was added to taxes carried over from earlier years, and on December 1, 2026, interest of 2.33% is added to everything still unpaid, including 2025 taxes and penalties. Parcels with unpaid charges as of August 1, 2026 may be included in a tax lien certificate sale. The treasurer offers past-due payment plans; while a plan is kept in good standing, no further penalties or interest are added, and a missed payment voids the plan and adds back the frozen penalty and interest.

From Montgomery County's published schedule, checked September 23, 2026. If a date falls on a weekend or holiday, the county's own rules on the next business day apply.

Estimate the property tax on a home in Montgomery County

Enter a home's market value for a ballpark at Montgomery County's average effective rate of 1.73% (Census). The real bill depends on the home's assessed value, the millage where it sits and any exemptions.

Property tax in Montgomery County at a glance

Effective rate = median real estate taxes paid divided by median home value. Source: U.S. Census Bureau, American Community Survey 5-year estimates.

How does Montgomery County compare in Ohio?

Among Ohio's 88 counties, Montgomery County has the 2nd highest effective property-tax rate: 1 rank higher and 86 rank lower. That places it among the most heavily taxed counties in the state. Nationally, it ranks 174th of 3135 US counties by effective rate. See every Ohio county ranked.

How much do homeowners in Montgomery County actually pay?

The median is only the middle bill. Across Montgomery County's 144,482 owner-occupied homes, 50.6% pay $3,000 or more a year in property tax, 69.3% pay at least $2,000, and 7% pay under $800. Another 2.5% report paying no property tax at all, which usually means an exemption covers the whole bill.

Owners with a mortgage pay a median of $3,341 and owners without one pay $2,792. Owners who have paid off a home have usually held it longer, and in states that cap how fast an existing owner's assessment can rise, long-held homes carry lower assessed values. Census table B25103.

How does the Montgomery County property tax bill compare with local incomes?

The median property tax bill of $3,127 is about 3.7% of the median income of Montgomery County homeowner households, $84,961 a year. That compares two middles, so a retiree in a long-held home can pay a far larger share. 62.5% of Montgomery County's occupied homes are lived in by their owners; renters pay property tax too, just folded into rent.

Have property taxes gone up in Montgomery County?

Yes. The median bill went from $2,579 in 2015-2019 to $3,127 in 2020-2024, a 21.2% rise. Over the same span the median home value moved 51%, from $119,800 to $180,900. Bills rose more slowly than values, which is what assessment caps and falling millage rates do: the county is taxing a smaller share of each home's worth.

Two Census ACS 5-year periods with no survey years in common, in each period's own dollars. A change counts only if it exceeds the combined 90% margin of error.

Property tax in counties next to Montgomery County

Montgomery County borders 7 counties.

How is a home assessed in Montgomery County?

Ohio assesses homes at 35% of market value in every county, Montgomery County included. How Ohio assesses and reappraises homes.

Is there a homestead exemption in Montgomery County?

No. Ohio has no universal homestead exemption; relief is targeted to seniors, the disabled and disabled veterans. That is the Ohio rule, and it applies in Montgomery County. Ohio's exemptions and relief programs in full.

Montgomery County does not add relief programs of its own beyond the Ohio ones (checked September 23, 2026).

How to appeal your Montgomery County property assessment

In Montgomery County you appeal to the Montgomery County Board of Revision. The deadline: File a complaint against the value with the Board of Revision between January 1 and March 31 of the year after the tax year you are disputing (under state law, the later of March 31 or the close of first-half collection). The 2026 reappraisal values first affect bills paid in 2027, and complaints about them can be filed from January 1 to March 31, 2027. A mailed complaint counts as filed on its U.S. Postal Service postmark; a private meter postmark does not count. State law allows only one complaint per parcel in each three-year valuation period unless something changed, such as a sale or damage. A Board of Revision decision can be appealed to the Ohio Board of Tax Appeals, or instead to the Montgomery County Court of Common Pleas, within 30 days after the decision notice is mailed. How to file. Checked September 23, 2026 against the official appeal rules.

How Ohio's appeal process works, including the next level if the first one turns you down.

Ohio rules from primary state sources, reviewed September 7, 2026; sources on the Ohio page.

Work out your own numbers

• How much house can I afford?

  Your income, debts and down payment against the 28/36 rule lenders actually use, with Montgomery County's tax rate to hand.

• Mortgage calculator

  Monthly payment with principal, interest, tax and insurance, plus what an extra payment saves you.

• Ohio income tax

  Brackets, standard deduction and what Ohio actually taxes.

• Sales tax in Montgomery County

  The other local tax: combined state and local rate for this county.