Indiana property taxes (2026)

How Indiana property taxes work

Indiana keeps its property tax calendar mercifully simple: two installments, statewide, due May 10 and November 10, with the county treasurer mailing the TS-1 bill at least 15 days before the spring due date. Taxes are paid a year in arrears — 2026's payments cover the 2025 assessment.

Values move annually through trending, and when your assessment changes the assessor mails a Form 11 notice. The appeal deadline keys off it: file by June 15 of the year you receive the Form 11 (or June 15 of the following year if none was mailed). Appeals start with Form 130 to your township or county assessor.

Indiana's constitutional circuit-breaker caps are the backstop: your homestead's total tax can't exceed 1% of gross assessed value (2% for other residential, 3% for everything else). Referendum levies sit outside the caps, which is why bills in some districts run past the 1%.

The homestead deduction does heavy lifting: the lesser of 60% of assessed value or $48,000 comes off before rates apply, with a supplemental deduction beyond it. Deductions are application-based — file by January 5 following the assessment year.

When payments are due

Two statewide installments: May 10 and November 10.

How to appeal your assessment

The statewide rule: File Form 130 with your assessor by June 15 of the year you receive a Form 11 assessment notice — or June 15 of the following year if no Form 11 was mailed

Form 11 notices mail in the spring in most counties. The June 15 deadline is statewide and statutory — and it applies whether or not your value changed enough to trigger a notice.

1. Watch for your Form 11 in springIt shows your new assessed value. No Form 11 doesn't bar an appeal — the deadline just shifts to next June 15.
2. File Form 130 by June 15The Taxpayer's Notice to Initiate an Appeal goes to your assessing official. Filing is free.
3. Talk with the assessorAn informal conference comes first — many appeals resolve with a corrected record or agreed value.
4. Present to the PTABOAThe county board hears unresolved appeals; bring comparable sales and your evidence.
5. Escalate if neededPTABOA decisions can go to the Indiana Board of Tax Review, then the Tax Court.

County pages have the exact local deadlines, forms, and filing links.

Statewide exemptions

Reassessment

Values adjust annually based on local sales (trending), with cyclical physical reassessment rolling through each county. Form 11 notices announce changes; the tax caps then bound what the bill can become.

Value notices (Form 11 (Notice of Assessment)) usually mail in spring.

Common questions

When are property taxes due in Indiana?

May 10 and November 10, statewide, every year. The county treasurer mails the TS-1 bill at least 15 days before the spring installment.

How do I appeal my Indiana assessment?

File Form 130 with your assessor by June 15 of the year your Form 11 notice arrives (or June 15 of the next year if none was mailed). It starts with an informal conference and moves to the county PTABOA if unresolved — free either way.

What is the 1% cap?

Indiana's constitution caps your homestead's total tax at 1% of gross assessed value (2% for rentals and farmland, 3% for business property). Voter-approved referendum levies sit outside the cap, which is why some school districts' bills exceed it.

What is the homestead deduction worth?

The lesser of 60% of your home's assessed value or $48,000 comes off before rates apply, with a supplemental deduction beyond it. File once with the county auditor by January 5 — new buyers should confirm it carried over.

Why did my bill change when my assessment didn't?

Rates and referendums. Local levies reset annually, and voter-approved school referendums add tax outside the caps — so a flat assessment can still meet a higher bill.