With an average tax rate of 1.11%, Shelby County residents pay an average of $1,380 a year in property taxes.
Every county requires homeowners to pay annual taxes on their property. The amount they have to pay depends on the value of their home and the tax rates in their particular county. Since tax rates in any given county can change frequently with market fluctuations, some homeowners have trouble keeping track of what they are expected to pay each year.
Always eager to make your life easier, Jerry
—the world’s #1 rated insurance
app—has done some research and compiled this handy guide to understanding property taxes in Shelby County, Ohio
. Property tax 101
First, let’s go over some of the key concepts of property tax. Here are the basics that you’ll need to know:
Local governments collect property taxes to pay for public works and community services.
Property owners are required to pay taxes for real property such as land, buildings, and homes.
A local tax assessor will determine how much your property tax obligation will be based on the local tax rate and the estimated fair market value of your home.
Property taxes change frequently based on current market conditions and the budgets of local governments.
Property taxes are how your local government pays for essential community maintenance and improvements. Collecting taxes from property owners ensures that residents with a vested financial interest in the community contribute to its upkeep.
MORE: Is car insurance tax deductible?
What is the property tax rate in Shelby County?
Shelby County’s average tax rate is 1.11% of assessed home values—which is on par with the national average of 1.1% and significantly lower than the statewide average of 1.36%. This average tax rate means the typical Shelby homeowner will pay about $1,380 a year in property taxes.
How Shelby County property taxes are determined
Ohio property tax rates are measured in mills. One mill is equal to $1 of taxes owed for every $1,000 of the property's assessed value. For instance, if your home is worth $200,000, then a single mill for that property would be $200.
The number of mills applied to your property is determined by the millage rates for every tax jurisdiction (school districts, townships, county, etc.) that your home falls under. Each of these will have a vote-based millage rate. All of these millage rates (plus the fixed 10-mill tax guaranteed by the Ohio state constitution) are added up to determine your total millage rate or effective tax rate.
A County Auditor
will inspect and assess the value of your property every six years to determine the home’s assessed value. Once both the effective tax rate and the property’s assessed value are determined, simply multiply them to calculate your total property tax obligation.
Pro Tip If you believe that the assessed value of your home is inaccurate or unfair, you have the right to challenge a county auditor's assessment. To do so, you’ll need to fill out a Complaint Against Valuation
form and submit it to the local Board of Revision
.
What do Shelby County property taxes pay for?
Shelby County uses the revenue from property taxes to fund essential community services. These include (but are not limited to):
Maintenance and construction of roads and highways
Maintenance and construction of sewage systems
Public education, libraries, and museums
This is only an overview of the expenditures. If you would like to see the Shelby County Annual Report, you can request a copy from the Shelby County Commissioners Office or online
. MORE: How to deduct a car accident from your taxes
How to pay property taxes in Shelby County
Shelby County property taxes are levied annually and paid in two equal payments, which are due on February 14th and July 20th.
Shelby County property owners have the option of paying their taxes either online or in person.
If you pay your property tax online
, you’ll be able to use a credit/debit card or an e-check. If you pay your property tax in person, you’ll be able to use cash, check, money order, e-check, or credit/debit card.
How to save money on homeowners and car insurance in Ohio
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