Ohio · County property tax · ACS 2024
Montgomery County Property Taxes
The median homeowner in Montgomery County pays $3,127 a year, an effective rate of 1.73%, far above the U.S. average.
- $3,127
- Median tax / yr · High bill
- 1.73%
- Effective rate · Highest-decile rate
- +57%
- vs U.S. average
- #2 of 88
- rank in OH
The verdict
Homeowners in Montgomery County pay a median $3,127 a year in property tax, an effective rate of 1.73%, more affordable than 5% of U.S. counties (Census ACS 2024).
- $3,127
- Median annual tax bill, 2024
- 1.73%
- Effective rate on median home
- #2963 of 3135
- U.S. counties by tax burden
- +57%
- vs the national average bill
Effective rate is the median property tax bill divided by the median home value ($180,900). U.S. Census Bureau, ACS 5-Year Estimates · 2024.
Tax affordability score · Montgomery County, OH
16/100
5 ACS dimensions · release 2024
Comparative score against U.S. county percentiles on Census ACS medians (effective rate, bill, income share, mortgage gap, home-value/income). Higher means more affordable on those published medians, not a recommendation to buy, sell, appeal, or move, and not your personal tax bill. Missing inputs drop out and redistribute weight. How it is calculated.
Median home value relative to Montgomery County's median income
Mortgaged vs free-and-clear median bill gap in Montgomery County
Montgomery County's median annual property-tax bill vs U.S. counties
Median tax as a share of Montgomery County's median household income
Montgomery County's effective rate vs U.S. county percentiles (ACS 2024)
Montgomery County affordability profile (scored ACS dimensions)
Read the chart values
- Housing pressure: 59/100 (C) · 2.74×
- Mortgage premium: 26/100 (F) · +$549
- Bill size: 16/100 (F) · $3,127/yr
- Income room: 7/100 (F) · 4.7%
- Rate relief: 4/100 (F) · 1.73%
Track this county alongside up to five others. Saved figures refresh when the annual source data changes.
Census Bureau ACS property tax data for Ohio. Population: 536,096. Owner-occupied homes: 144,482.
The median annual property tax in Montgomery County is $3,127, which is 11% higher than the Ohio state average and 57% above the national average. The effective tax rate is 1.73% on a median home value of $180,900. Property taxes represent 4.7% of the median household income in this county.
What This Data Tells Us About Montgomery County
Primary signal
The bill sits well above the national median
Homeowners in Montgomery County pay a median annual property tax of $3,127, far above the national median and notably higher than the Ohio state median. On a $180,900 median home, that works out to an effective rate of 1.73% once the local assessment base and millage are combined.
Decision signal 2
Low among Ohio counties by effective rate
Montgomery County ranks #2 of 88 counties in Ohio by effective rate (98% of in-state counties pay a lower rate).
Decision signal 3
The effective rate is a national headwind
Montgomery County's 1.73% effective rate is among the highest of 3,135 tracked counties: only about 95% pay more.
Decision signal 4
Income and the tax bill sit in the middle band
Property taxes in Montgomery County run a bit above the commonly cited 2%-4% national benchmark, at about 4.7% of the $66,139 median household income.
This page is for informational purposes only and is not tax, legal, or financial advice. Figures describe the median homeowner household in Montgomery County as reported to the Census Bureau, your own bill can differ based on your parcel's assessed value, exemptions, special districts, and municipal overlays. Always consult your county assessor, tax collector, or a qualified professional before making decisions that depend on these numbers.
A falling rate took the edge off
Montgomery County's effective rate fell 17.3% across the 4-year span while its median home value rose 44.8%, leaving the median bill 19.7% higher at $3,127. That rate move is larger than the one in 74% of counties, so a good deal of the market's rise never reached the bill.
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
Bills rose across 2020-2024, from $2,612 to $3,127, a gain of 20%. This is a comparison of published ACS medians, not an explanation of a particular property's assessment or tax bill.
The heaviest band is also the fullest one here: 73,159 of 144,482 owner-occupied homes (50.6%) 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.
The rate is in the national top quarter while earnings are only moderately above the midpoint, so the median bill claims 4.7% of median household income. A high rate is affordable only relative to something, and this is what it is relative to here.
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.
Montgomery County is an outlier inside Ohio
Across the 88 Ohio counties with a published rate, the average effective rate is 1.11%. Montgomery County is at 1.73%, which sits 2.7 standard deviations above that average. Fewer than one county in twenty nationally is this far from its own state's centre, so a state-level average is a poor guide to what is owed here.
Standard deviations are computed across every county in the state with a published effective rate for 2024; states with fewer than five such counties are not assessed.
What Montgomery County Homeowners Actually Pay
The single largest group of Montgomery County homeowners, 73,159 of 144,482 owner-occupied homes (50.6%), pays $3,000 or more a year. The median is one point in this spread, not a typical bill.
- Less than $800 7.0% (10,145)
- $800 to $1,499 11.8% (17,089)
- $1,500 to $1,999 9.3% (13,407)
- $2,000 to $2,999 18.7% (27,078)
- $3,000 or more 50.6% (73,159)
Census ACS 2024, table B25102. Bands and the no-tax share sum to 100%.
3,604 homes here (2.5%) report no real estate tax at all. Exemptions are set by state: how Ohio handles assessments and appeals.
With vs Without Mortgage
In Montgomery County, mortgaged homeowners pay 20% more than those without a mortgage, a gap that typically tracks higher home values rather than a different tax rate.
How Montgomery County compares
Effective property tax rate (median tax ÷ median home value), ACS 2024.
Montgomery County's effective rate is higher than 98% of the 88 counties in Ohio - ranking #2 of 88 for property tax burden.
Where Montgomery County sits among every U.S. county
Effective property tax rate (median tax ÷ median home value)
1.73% more affordable than 5% 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 highest-taxed counties in the country
At 1.73%, Montgomery County sits in the top 5% of all U.S. counties by effective property-tax rate. That is the rate, not the bill: a high rate on a modest home can still produce a smaller cheque than a low rate on an expensive one, which is why the $3,127 median bill is the number to compare against another county.
Montgomery County vs Benchmarks
| Metric | Montgomery County | Ohio Avg | U.S. Avg |
|---|---|---|---|
| Median Annual Tax High bill | |||
| Effective Tax Rate Highest-decile rate | |||
| Median Home Value | |||
| Tax as % of income Highest-decile income burden | 4.7% | - | - |
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.
Think your Montgomery County property tax bill is too high?
On Montgomery County's published figures, a $180,900 median home carries a $3,127 median bill, so every 10% off an assessed value is worth about $313 a year at the same rate. Whether an appeal is worth filing depends on your own parcel. Use our free Appeal Savings Estimator to run your own numbers, then read our step-by-step appeal guide for the procedure in Ohio.
Property Tax History
| Year | Median Tax (vs prior release) | Effective Rate |
|---|---|---|
| 2024 | $3,127 +5.1% | 1.73% |
| 2023 | $2,975 +2.8% | 1.78% |
| 2022 | $2,893 +4.7% | 1.87% |
| 2021 | $2,762 +5.7% | 2.07% |
| 2020 | $2,612 | 2.09% |
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.
Tax Burden
Tax Affordability Score
An effective rate far above the national average of 0.92% puts Montgomery County in the "Very Expensive" band for property tax burden.
How this score is calculated: a 1-10 scale derived mechanically from the ratio of this county's effective rate to the national average effective rate (0.92%) - a ratio at or below 0.5× scores 10, a ratio at or above 2.0× scores 1, with a linear scale between. It is a factual comparison of Census figures only, not a recommendation, quality rating, or endorsement of Montgomery County or any other county.
Counties with similar tax profiles
On effective rate, Montgomery County sits nearest Suffolk County (NY), Bexar County (TX), Fisher County (TX).
On published median-tax change, the nearest matches are Hamblen County (TN), Natrona County (WY), Tuscaloosa County (AL).
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
What tax filers report in Montgomery County
Of the 257,230 federal returns filed from Montgomery County in 2022, 9,980 (3.9% of filers) itemised and reported real estate taxes on Schedule A, averaging $6,777 each. The largest group was filers with adjusted gross income of $100-200k, who accounted for 35% of the county's reporting returns.
Two things this does not say. The amount is what filers reported, recorded before the $10,000 cap on combined state and local tax deductions applies, so it is not the amount deducted. And the share is of everyone who files a return, not of homeowners: most filers now take the standard deduction, so a minority itemise at all. Source: IRS Statistics of Income county data, tax year 2022.
Other Counties in Ohio
Frequently Asked Questions
How does Montgomery County property tax compare to the national average? ▼
What percentage of income goes to property taxes in Montgomery County? ▼
What is the tax affordability score for Montgomery County? ▼
Are property taxes increasing in Montgomery County? ▼
What is the average property tax in Montgomery County, Ohio? ▼
What to do with Montgomery County's numbers
- Montgomery County's $3,127 median bill sits well above the U.S. median - size a personal estimate before treating the county headline as your budget. Estimate your bill →
- Montgomery County ranks #2 of 88 Ohio counties by effective rate - on the higher-burden half of the state board. Ohio overview →
- If Montgomery County's assessment looks high versus the $180,900 typical home, check Ohio's filing window and evidence rules before the notice deadline passes. How to appeal →
Effective-rate definition
Effective rate is the county median tax divided by the county median home value ($180,900); your parcel's assessed value, exemptions, and local levies determine your actual bill. U.S. Census Bureau ACS · 2024.
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.
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Editorial standards and provenance
PlainPropertyTax is rendered directly from the U.S. Census Bureau's American Community Survey (ACS) 5-year estimates, no number is typed in by an editor. This page draws directly on the Census ACS county-level record for Montgomery County. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-09.