County property tax calculator
Property Tax Calculator for Montgomery County
Montgomery County sits above the national property tax average at 1.777%. On a median home of $167,400, that translates to $2,975 per year, or $248 per month in escrow. The gap versus the 1.07% US average is meaningful — enough to move the needle on monthly affordability for buyers comparing this county with lower-tax neighbors. Local jurisdictions here fund schools and services primarily through property taxes, which is why the rate sits where it does. For buyers budgeting the purchase, factoring this into the total monthly payment before making an offer keeps expectations grounded and avoids surprises at closing. Montgomery County's median home value of $167,400 runs below the Ohio state median — a market where buyers get more square footage per dollar. First-time buyers often find this range accessible, especially with FHA or VA financing that reduces the down payment requirement. Lower property values also mean lower absolute tax bills and, in many cases, more favorable insurance rates. Investors evaluating rental yield often look at markets in this tier for cash flow. The trade-off is typically commute distance, school district variation, or access to high-wage employment — factors buyers should weigh against the lower price point. Long-term appreciation tends to track the regional average rather than lead it. The price point here supports a wider range of down payment strategies, from low-down conventional options to FHA and VA programs, giving buyers more flexibility in structuring the purchase.
Property Tax Details
National average is 1.07%
Used to project future tax burden
Annual Property Tax
$0
Insights
Property Tax Landscape in Montgomery County
Montgomery County's 1.777% effective rate runs well above Ohio's statewide average of 1.42%. That 0.357 percentage-point gap equals roughly $598 per year on a median-valued home — a meaningful line item for buyers comparing jurisdictions. The county's higher rate typically funds a combination of local school, municipal, and county services that may not be fully covered by state transfers. Buyers relocating from other parts of Ohio or from lower-tax states should include this in their affordability model. The differential compounds over the life of the loan, so long-term owners in this county pay materially more tax than their counterparts elsewhere in the state. Within Ohio, Montgomery County ranks as the 2th highest of 88 counties by effective property tax rate.
Montgomery County's median home value of $167,400 runs below the Ohio state median — a market where buyers get more square footage per dollar. First-time buyers often find this range accessible, especially with FHA or VA financing that reduces the down payment requirement. Lower property values also mean lower absolute tax bills and, in many cases, more favorable insurance rates. Investors evaluating rental yield often look at markets in this tier for cash flow. The trade-off is typically commute distance, school district variation, or access to high-wage employment — factors buyers should weigh against the lower price point. Long-term appreciation tends to track the regional average rather than lead it. Median household income in Montgomery County runs below the Ohio state average at $64,403. Buyers here often rely on FHA, USDA, or state down-payment assistance programs to make the numbers work. The price-to-income ratio of 2.6x reflects a balanced profile for the region — median-income buyers have reasonable access to the market. Median gross rent runs $968 per month, giving renters a baseline to compare against ownership costs in the same market.
Property Tax Scenarios — Montgomery County
In an affordable market, even modest purchases generate tax bills that matter for the monthly budget. The scenarios below start below the median and extend up, showing how the tax component scales. First-time buyers can use this to model escrow before submitting an offer.
| Home Value | Annual Tax | Monthly Escrow | 10-Year Total |
|---|---|---|---|
| $85,000 | $1,510 | $126 | $15,105 |
| $125,000 | $2,221 | $185 | $22,213 |
| $165,000 | $2,932 | $244 | $29,321 |
| $250,000 | $4,443 | $370 | $44,425 |
| $335,000 | $5,953 | $496 | $59,530 |
Frequently asked questions
For buyers considering Montgomery County, the questions below address the tax load, escrow mechanics, and comparisons with state averages. Answers use county-specific data from the 2023 Census ACS.
What is the property tax rate in Montgomery County?
Montgomery County has an effective property tax rate of 1.777%, above the national average (national average: 1.07%). On a median home of $167,400, that's about $2,975 per year, or $248 monthly through escrow.
How much are property taxes on a home in Montgomery County?
At the county median of $167,400, annual property taxes run roughly $2,975, collected through mortgage escrow at about $248 per month.
How does Montgomery County compare to Ohio?
Montgomery County's 1.777% rate is substantially above Ohio's statewide average of 1.42%. The difference equals about $598 per year on a median home.
What is the median income in Montgomery County?
Median household income in Montgomery County is $64,403 (Census ACS 2023). Median gross rent runs $968 per month.
Are property taxes deductible in Montgomery County?
Yes, property taxes are deductible on federal returns when you itemize, subject to the SALT cap ($10,000 for most filers). Montgomery County homeowners paying $2,975 annually may benefit if their combined state and local tax burden exceeds the standard deduction.
How are property taxes calculated in Montgomery County?
The county assessor multiplies your home's assessed value by the local tax rate. On a $167,400 home at the county's effective rate of 1.777%, the annual bill is approximately $2,975.
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Disclaimer: This calculator and the content on this page are for educational purposes only. They do not constitute financial, legal, or tax advice. Rates, loan limits, and eligibility criteria vary by lender, location, and borrower profile. Always consult a licensed financial professional before making borrowing decisions. CalcPier is independent and not affiliated with any lender listed on this page.
