New Mexico · County property tax · ACS 2024
Harding County Property Taxes
The median homeowner in Harding County pays $305 a year, an effective rate of 0.44%, far below the U.S. average.
- $305
- Median tax / yr · Very low bill
- 0.44%
- Effective rate · Very low rate
- -85%
- vs U.S. average
- #30 of 33
- rank in NM
The verdict
Homeowners in Harding County pay a median $305 a year in property tax, an effective rate of 0.44%, more affordable than 90% of U.S. counties (Census ACS 2024).
- $305
- Median annual tax bill, 2024
- 0.44%
- Effective rate on median home
- #318 of 3135
- U.S. counties by tax burden
- -85%
- vs the national average bill
Effective rate is the median property tax bill divided by the median home value ($70,000). U.S. Census Bureau, ACS 5-Year Estimates · 2024.
Census Bureau ACS property tax data for New Mexico. Population: 741. Owner-occupied homes: 220.
The median annual property tax in Harding County is $305, which is 82% lower than the New Mexico state average and 85% below the national average. The effective tax rate is 0.44% on a median home value of $70,000. Property taxes represent 0.6% of the median household income in this county.
Harding County's rate standing among U.S. counties
Primary signal
The effective rate is a national tailwind
Harding County's 0.44% effective rate is among the lowest of 3,135 tracked counties: roughly 90% pay a higher rate.
Decision signal 2
The bill sits well below the national median
Homeowners in Harding County pay a median annual property tax of $305, far below the national median and far below the New Mexico state median. On a $70,000 median home, that works out to an effective rate of 0.44% once the local assessment base and millage are combined.
Decision signal 3
Income carries a light tax share
Property taxes in Harding County run well below the commonly cited 2%-4% national benchmark, at about 0.6% of the $48,553 median household income.
Decision signal 4
High among New Mexico counties by effective rate
Harding County ranks #30 of 33 counties in New Mexico by effective rate (9% of in-state counties pay a lower rate).
Informational notice
Figures describe the median homeowner household in Harding 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.
The rate held while the market moved
Harding County sits in the quarter of U.S. counties whose effective rate moved least over this span: 32.8% up, against a median home value that fell 20.0%.
A near-steady rate on a moving market passes that movement straight through: the median bill rose 6.3%, from $287 to $305.
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
Very little moved here between 2020 and 2024: the typical bill went from $287 to $305, a change of 6%. The comparison describes county-level medians only; individual assessments and bills can differ.
The largest reported group here falls at the bottom of the national range: 145 of 220 owner-occupied homes (65.9%) report annual real-estate taxes under $800. This distribution describes reported owner-occupied homes, not an affordability judgment for any property.
Both sides of this comparison sit low: household income here is in the bottom quarter of US counties, and so is the effective tax rate. The median bill works out at 0.6% of median household income, which is the arithmetic of a modest levy on modest earnings rather than of any deliberate relief.
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.
Paying off the mortgage changes the picture here
21.9% of Harding County homes owned free and clear (44 of 201) report no property tax at all, against 0.0% of homes still carrying a mortgage. A reported zero is not proof of an exemption: it can equally mean a bill paid by another party, or a reporting artefact. But a gap this size is where age- and disability-based relief usually shows up, because those programmes reach owners who have finished paying.
What Harding County Homeowners Actually Pay
The single largest group of Harding County homeowners, 145 of 220 owner-occupied homes (65.9%), pays less than $800 a year. The median is one point in this spread, not a typical bill.
- Less than $800 65.9% (145)
- $800 to $1,499 7.7% (17)
- $1,500 to $1,999 3.2% (7)
- $2,000 to $2,999 0.9% (2)
- $3,000 or more 2.3% (5)
Census ACS 2024, table B25102. Bands and the no-tax share sum to 100%.
44 homes here (20.0%) report no real estate tax at all, a sizeable minority for a county this size. Exemptions are set by state: how New Mexico handles assessments and appeals.
With vs Without Mortgage
Mortgaged homeowners in Harding County pay more than double the bill of those without one (+204%), the widest kind of value gap this dataset tracks.
Harding County's effective rate vs peers
Effective property tax rate (median tax ÷ median home value), ACS 2024.
Harding County's effective rate is higher than 9% of the 33 counties in New Mexico - ranking #30 of 33.
Where Harding County sits among every U.S. county
Effective property tax rate (median tax ÷ median home value)
0.44% Among the most affordable more affordable than 90% of 3,135 U.S. counties
Show national distribution
Each bar is a band; taller bars hold more U.S. counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2024
Among the lowest-taxed counties in the country
At 0.44%, Harding County sits in the lowest 10% of all U.S. counties by effective property-tax rate. A low rate does not by itself mean a low bill: the median here is $305, and what a homeowner actually pays depends as much on local home values as on the rate.
Harding County vs Benchmarks
| Metric | Harding County | New Mexico Avg | U.S. Avg |
|---|---|---|---|
| Median Annual Tax Very low bill | |||
| Effective Tax Rate Very low rate | |||
| Median Home Value | |||
| Tax as % of income Very light income burden | 0.6% | - | - |
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.
Harding County is QUIET · LIGHT on ACS medians, still verify your parcel card before quoting the county figure. Estimate appeal savings · New Mexico counties.
Harding County rate trail · QUIET
| Year | Median Tax (vs prior release) | Effective Rate |
|---|---|---|
| 2024 | $305 -7.0% | 0.44% |
| 2023 | $328 +13.1% | 0.38% |
| 2022 | $290 +12.4% | 0.30% |
| 2021 | $258 -10.1% | 0.33% |
| 2020 | $287 | 0.33% |
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.
Harding County: tax takes only 0.6% of income
Counties near Harding County's effective rate
On effective rate, Harding County sits nearest Washoe County (NV), Ozark County (MO), Douglas County (MO).
On published median-tax change, the nearest matches are Newton County (TX), Mountrail County (ND), Robeson County (NC).
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
IRS county file: no disclosed Harding County Schedule A rows
The IRS county file records no returns reporting real estate taxes on Schedule A for Harding County. That is a limit of the published data rather than a finding about the county: county-level figures are withheld where the counts are too small to disclose safely, which is common in places with few filers. Roughly one county in sixteen is in this position, so the filer view available elsewhere on this site is simply not available here. Source: IRS Statistics of Income county data.
Other Counties in New Mexico
Harding County rate FAQs
- How does Harding County property tax compare to the national average?
- Property taxes in Harding County run far below the national median of $1,993, an effective rate of 0.44% versus 0.92% nationally.
- What is the average property tax in Harding County, New Mexico?
- The median annual property tax in Harding County is $305, an effective rate of 0.44% on a $70,000 median home (Census ACS, 2024).
- What is the tax affordability score for Harding County?
- Harding County, New Mexico scores A (86/100) 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 income room at A+ (0.6%). 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 percentage of income goes to property taxes in Harding County?
- Property taxes in Harding County run well below the commonly cited 2%-4% national benchmark, at about 0.6% of the $48,553 median household income.
- Are property taxes increasing in Harding County?
- The ACS median property-tax bill for Harding County ticked up 6.3% between the 2020 and 2024 5-year releases, from $287 to $305, 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 to do with Harding County's QUIET rate
Harding County's $305 median bill sits well below the U.S. median - still size a parcel estimate; local millage and exemptions move the real bill. Estimate your bill →
Income burden is light here: about 0.6% of Harding County's $48,553 median household income goes to the property-tax bill.
Nationwide peers by effective rate (then bill)
Rate-first peers for Harding County's QUIET effective rate, then a disjoint out-of-state bill set so the two neighborhoods stay distinct.
Similar effective rate
Nearest out-of-state counties by ACS effective rate. This county: 0.44%.
Similar median bill
Nearest out-of-state counties by ACS median annual tax. This county: $305/yr. Rate peers are excluded so the two link sets stay distinct.
Read with Harding County
Nearest ABS(median_tax) ACS peers for Harding County (QUIET · LIGHT), replacing the old fixed Keep exploring strip.
QUIET LIGHT
Webster County, WV
ABS(median_tax) peer · $303/yr (near-tied bill ABS $2); rate 0.40% vs Harding County 0.44%.
Bienville Parish, LA
ABS(median_tax) peer · $301/yr (near-tied bill ABS $4); rate 0.30% vs Harding County 0.44%.
Marion County, AL
ABS(median_tax) peer · $301/yr (near-tied bill ABS $4); rate 0.28% vs Harding County 0.44%.
Bibb County, AL
ABS(median_tax) peer · $298/yr (near-tied bill ABS $7); rate 0.20% vs Harding County 0.44%.
New Mexico county set
State ACS overview for every published New Mexico county rate and median bill.
Assessment cycle basics
Harding County stamps QUIET · LIGHT - 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 Harding County (QUIET · LIGHT) - ACS medians, not a parcel bill.