Indiana · County property tax · ACS 2024
Hamilton County Property Taxes
The median homeowner in Hamilton County pays $3,549 a year, an effective rate of 0.88%, far above the U.S. average.
- $3,549
- Median tax / yr · High bill
- 0.88%
- Effective rate · Above-median rate
- +78%
- vs U.S. average
- #4 of 92
- rank in IN
The verdict
Homeowners in Hamilton County pay a median $3,549 a year in property tax, an effective rate of 0.88%, more affordable than 44% of U.S. counties (Census ACS 2024).
- $3,549
- Median annual tax bill, 2024
- 0.88%
- Effective rate on median home
- #1749 of 3135
- U.S. counties by tax burden
- +78%
- vs the national average bill
Effective rate is the median property tax bill divided by the median home value ($405,500). U.S. Census Bureau, ACS 5-Year Estimates · 2024.
Census Bureau ACS property tax data for Indiana. Population: 365,056. Owner-occupied homes: 104,416.
The median annual property tax in Hamilton County is $3,549, which is 120% higher than the Indiana state average and 78% above the national average. The effective tax rate is 0.88% on a median home value of $405,500. Property taxes represent 2.9% of the median household income in this county.
Why Hamilton County's ACS bill runs high vs the U.S.
Primary signal
The bill sits well above the national median
Homeowners in Hamilton County pay a median annual property tax of $3,549, far above the national median and far above the Indiana state median. On a $405,500 median home, that works out to an effective rate of 0.88% once the local assessment base and millage are combined.
Decision signal 2
Low among Indiana counties by effective rate
Hamilton County ranks #4 of 92 counties in Indiana by effective rate (96% of in-state counties pay a lower rate).
Decision signal 3
The effective rate sits near the national middle
Hamilton County's 0.88% effective rate sits near the middle of 3,135 tracked counties (more affordable than 44%).
Decision signal 4
Income and the tax bill sit in the middle band
Property taxes in Hamilton County run within the commonly cited 2%-4% national benchmark, at about 2.9% of the $121,530 median household income.
Informational notice
Figures describe the median homeowner household in Hamilton County as reported to the Census Bureau; your parcel can differ. Not tax, legal, or financial advice: check the county assessor or a qualified professional before decisions that depend on these numbers.
Most of the market's rise reached the bill
The effective rate here moved 8.0% down between 2020 and 2024, a smaller shift than in 68% of U.S. counties. With the median home value rose 43.4%, the median bill rose 31.9% to $3,549: the rate did comparatively little to offset the market.
Effective rate is the published median bill divided by the published median home value, so the two multiply back to the bill exactly; the rate's movement here is derived from those two figures rather than read from the rounded published rate. Both are ACS 5-year survey estimates for the median owner-occupied household, compared across non-overlapping releases. They describe what the Census published, not a local policy, assessment, or exemption change.
How to read this county's bill
The bill here climbed steeply over 2020-2024, up 32% from $2,690 to $3,549. These ACS medians describe the reported change; they do not identify whether a levy, assessment, home value, or change in the responding households caused it.
The heaviest band is also the fullest one here: 62,569 of 104,416 owner-occupied homes (59.9%) report annual real-estate taxes above $3,000. That band has no upper edge in the source, so the county median understates the burden carried by the plurality rather than describing it.
Earnings are in the national top quarter and the rate is above the midpoint, so the median bill represents 2.9% of median household income. A headline bill conflates the dollar figure with the proportion; the two come apart here, and the ratio above is the second of them.
The share above is the median annual bill divided by median household income, a ratio of two county-level medians rather than a household-by-household figure.
What Hamilton County Homeowners Actually Pay
The single largest group of Hamilton County homeowners, 62,569 of 104,416 owner-occupied homes (59.9%), pays $3,000 or more a year. The median is one point in this spread, not a typical bill.
- Less than $800 4.6% (4,780)
- $800 to $1,499 7.2% (7,488)
- $1,500 to $1,999 7.6% (7,896)
- $2,000 to $2,999 19.3% (20,172)
- $3,000 or more 59.9% (62,569)
Census ACS 2024, table B25102. Bands and the no-tax share sum to 100%.
1,511 homes here (1.4%) report no real estate tax at all. Exemptions are set by state: how Indiana handles assessments and appeals.
With vs Without Mortgage
Mortgaged and non-mortgaged homeowners in Hamilton County pay about the same bill, a 0% gap.
Hamilton County's bill vs state & U.S. medians
Median annual bill bars around Hamilton County's HEAVY ACS 2024 figure.
Hamilton County's median bill is 120% above the Indiana median and 78% above the U.S. median.
What changed since 2020
The median bill in Hamilton County moved from $2,690 in the 2020 release to $3,549 in 2024, a change of about 32%. These are American Community Survey 5-year estimates compared across releases that share only one sample year, which is why this page never compares consecutive releases: those overlap in four years of the same households and move mostly on sampling.
Hamilton County vs Benchmarks
| Metric | Hamilton County | Indiana Avg | U.S. Avg |
|---|---|---|---|
| Median Annual Tax High bill | |||
| Effective Tax Rate Above-median rate | |||
| Median Home Value | |||
| Tax as % of income Above-median income burden | 2.9% | - | - |
Source: U.S. Census Bureau, ACS 5-Year Estimates. Tax-burden differences across rows reflect millage decisions, assessment-ratio practices, and the residential-vs-commercial mix of each tax base.
Is Hamilton County's $3,549 median bill appeal-worthy?
At Hamilton County's $3,549 ACS median (HEAVY), a 10% assessment cut is worth about $355/yr before exemptions. Appeal Savings Estimator · appeal guide for Indiana.
Hamilton County bill trail · HEAVY
| Year | Median Tax (vs prior release) | Effective Rate |
|---|---|---|
| 2024 | $3,549 +6.3% | 0.88% |
| 2023 | $3,340 +7.1% | 0.88% |
| 2022 | $3,119 +8.0% | 0.89% |
| 2021 | $2,887 +7.3% | 0.95% |
| 2020 | $2,690 | 0.95% |
Each row is a separate ACS 5-year release, and consecutive releases share four of their five survey years. The percentage beside each bill is therefore movement in the published estimate against the previous release, not a single year's tax change. The two releases largely describe the same households. For change over time, compare releases that do not overlap.
Hamilton County: tax-to-income at 2.9%
Counties near Hamilton County's median bill
On effective rate, Hamilton County sits nearest Fulton County (GA), Chattooga County (GA), Camden County (GA).
On published median-tax change, the nearest matches are Yakima County (WA), Madison County (GA), Grady County (OK).
How peers are chosen
These are the nearest cross-state matches in the published Census data, not neighboring counties or recommendations. Peers are rebuilt with each data release; see the calculation method.
Similar effective rates
Similar published median-tax changes, 2020–2024
Hamilton County: only 11% of returns show Schedule A real-estate tax
Tax year 2022: 20,130 of 177,350 returns from Hamilton County reported real estate taxes, averaging $6,284 - 51% of those reporters sat in the $200k+ AGI band.
What this IRS county file does not say
Amounts are reported before the SALT cap, not deducted; the share is of filers, not homeowners. Source: IRS SOI county data, tax year 2022.
Other Counties in Indiana
Hamilton County bill FAQs
- How does Hamilton County property tax compare to the national average?
- Property taxes in Hamilton County run far above the national median of $1,993, an effective rate of 0.88% versus 0.92% nationally.
- What is the average property tax in Hamilton County, Indiana?
- The median annual property tax in Hamilton County is $3,549, an effective rate of 0.88% on a $405,500 median home (Census ACS, 2024).
- Are property taxes increasing in Hamilton County?
- The ACS median property-tax bill for Hamilton County jumped 31.9% between the 2020 and 2024 5-year releases, from $2,690 to $3,549, a 4-year span. These are survey estimates covering five years each, so this compares the two releases furthest apart rather than consecutive ones, which overlap and would mostly measure the same households twice.
- What percentage of income goes to property taxes in Hamilton County?
- Property taxes in Hamilton County run within the commonly cited 2%-4% national benchmark, at about 2.9% of the $121,530 median household income.
- What is the tax affordability score for Hamilton County?
- Hamilton County, Indiana scores D (42/100) on PlainPropertyTax's tax affordability composite across 5 Census ACS dimensions (effective rate, bill size, income share, mortgage gap, and home-value/income). Its strongest scored dimension here is mortgage premium at A+ ($-9). The score compares published county medians to U.S. percentiles, it is not a personal bill and not advice to buy, sell, appeal, or relocate.
What to do with Hamilton County's HEAVY bill
Hamilton County's $3,549 median bill sits well above the U.S. median - size a personal estimate before treating the county headline as your budget. Estimate your bill →
Hamilton County ranks #4 of 92 Indiana counties by effective rate - on the higher-burden half of the state ACS set. Indiana overview →
Nationwide peers by median bill (then rate)
Bill-first peers for Hamilton County's HEAVY median, then a disjoint out-of-state rate set, not the same-state geography lattice.
Similar effective rate
Nearest out-of-state counties by ACS effective rate. This county: 0.88%.
Similar median bill
Nearest out-of-state counties by ACS median annual tax. This county: $3,549/yr. Rate peers are excluded so the two link sets stay distinct.
Read with Hamilton County
Nearest ABS(median_tax) ACS peers for Hamilton County (UNDER · HEAVY), replacing the old fixed Keep exploring strip.
UNDER HEAVY
Fairbanks North Star Borough, AK
ABS(median_tax) peer · $3,550/yr (near-tied bill ABS $1); rate 1.19% vs Hamilton County 0.88%.
Linn County, IA
ABS(median_tax) peer · $3,547/yr (near-tied bill ABS $2); rate 1.66% vs Hamilton County 0.88%.
Kittitas County, WA
ABS(median_tax) peer · $3,552/yr (near-tied bill ABS $3); rate 0.71% vs Hamilton County 0.88%.
Peoria County, IL
ABS(median_tax) peer · $3,552/yr (near-tied bill ABS $3); rate 2.24% vs Hamilton County 0.88%.
Indiana county set
State ACS overview for every published Indiana county rate and median bill.
Assessment cycle basics
Hamilton County stamps UNDER · HEAVY - how assessed value and millage become the ACS median bill.
Data vintage and method
Data as of 2024. Source: U.S. Census Bureau, American Community Survey 5-Year Estimates.
Property tax data reflects median amounts paid by homeowners. Effective rates are calculated as median tax divided by median home value.
Source: U.S. Census Bureau American Community Survey 5-Year Estimates, county median real-estate taxes · 2024 Hamilton County (UNDER · HEAVY) - ACS medians, not a parcel bill.