Property Tax Tools
Indiana Property Tax Calculator
Estimate your 2026 Indiana property tax using current law — homestead deductions, the new SEA 1 credit, and the constitutional circuit-breaker cap. Defaults are set for Allen County / Fort Wayne.
Calculate Your Tax
Enter your property details for an instant estimate
Property Details
$
Indiana uses the assessed value set by your county assessor (typically near market value). Check your property card at allencounty.in.gov.
Circuit-breaker cap for this type: 1% of gross assessed value
Homestead Deductions & Credits
Check this box if you own and occupy this property as your primary residence and have filed a homestead declaration with your county auditor.
Standard deduction: $48,000 (pay-2026; phases down after 2027 under SEA 1)
Supplemental deduction: 40% of remaining value (pay-2026; increases to 66.7% by 2031)
SEA 1 homestead credit: 10% of tax bill, capped at $300 (new for pay-2026, applied automatically)
Local Tax Rate
$ per $100 AV
Pick your Allen County taxing district below to fill in its certified pay-2026 gross rate, or type a custom rate.
Certified 2026 gross rates (per $100 assessed value), Allen County Auditor. Selecting a district fills in its rate.
Circuit Breaker Cap Applied
Estimated Annual Tax
$1,901
≈ $158.41 per month
Gross assessed value$220,000
Standard homestead ded.−$48,000
Supplemental homestead ded.−$68,800
Net assessed value$103,200
Gross tax rate$2.90/per $100 AV
Pre-cap tax$2,990
SEA 1 homestead credit−$299
Circuit-breaker limit$2,200
Effective tax rate0.864%
Circuit-breaker cap1% of gross AV
Taxable AV46.9% of gross AV
The constitutional 1% circuit-breaker cap is limiting your tax — your tax would have been higher without it.
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Indiana Property Tax System
How Indiana Property Taxes Are Calculated
Indiana uses a multi-step process to calculate property taxes. Understanding each step helps you estimate your bill and identify which deductions apply to you.
1
Gross Assessed Value
Your county assessor determines your property's market-based gross assessed value (AV). In Indiana, property is assessed at 100% of market value. You can find your AV on your property tax bill or the county assessor portal.
2
Apply Deductions
Eligible homeowners subtract the standard homestead deduction ($48,000 in 2026) and the supplemental homestead deduction (40% of the remaining value in 2026) to arrive at the net assessed value (NAV) subject to the local rate.
3
Apply Local Rate
Your NAV is multiplied by the gross tax rate for your taxing district (expressed per $100 AV). The rate combines county, city/town, school district, and library levies. Rates vary significantly across Allen County.
4
Circuit-Breaker Cap
Indiana's constitutional circuit-breaker prevents your total property tax from exceeding 1% of gross AV for homesteads, 2% for other residential and agricultural, and 3% for commercial property — regardless of the local rate.
Example: $220,000 Homestead in Fort Wayne
Gross assessed value$220,000
Standard homestead deduction−$48,000
After standard deduction$172,000
Supplemental deduction (40% of $172k)−$68,800
Net assessed value$103,200
Fort Wayne city rate$2.8975 / $100
Pre-cap tax ($103,200 × 2.84%)$2,990
SEA 1 homestead credit (10%)−$299 (capped at $300)
1% circuit-breaker cap$2,200 cap (1% of $220k)
Final estimated annual tax$2,200
In this example the circuit-breaker cap ($2,200) is lower than the pre-credit tax ($2,990), so it limits the bill to $2,200. The SEA 1 credit would have been $299 but the cap already controls the total — the homeowner pays $2,200.
Deductions & Credits
Indiana Property Tax Deductions & Credits
Indiana offers several ways to reduce your property tax burden. Most deductions require a one-time application with your county auditor; the SEA 1 credit is automatic for qualified homesteads.
Homestead Standard & Supplemental
The most valuable deduction for Indiana owner-occupants. The standard deduction reduces gross AV by $48,000 in 2026; the supplemental deduction then removes 40% of the remaining value.
- • Standard deduction: $48,000 off gross assessed value (pay-2026)
- • Supplemental: 40% of (AV − standard deduction) for pay-2026
- • Phase-in: supplemental rises to 66.7% by 2031 as standard phases down to $0
SEA 1 Homestead Tax Credit (New 2026)
Senate Enrolled Act 1 (2025) introduced an automatic 10% homestead tax credit on the annual tax bill, capped at $300, for all qualifying homesteads. No application required — your county auditor applies it automatically.
- • 10% credit on the calculated tax bill
- • Maximum credit: $300 per year
- • Applies automatically for pay-2026 and beyond — no form needed
Senior, Disabled & Veteran Credits
Additional relief is available to qualified seniors (age 65+), disabled individuals, and veterans. Indiana SEA 1 also expanded the Over-65 Circuit Breaker Credit income limits.
- • Over-65 Circuit Breaker: income limit raised to $60,000 (single) / $70,000 (joint) for pay-2026
- • Disabled veteran deduction: up to 100% AV exemption for totally disabled veterans
- • See our guide on Indiana veteran property tax relief for full details
Mortgage Deduction (Phased Out)
Indiana's traditional $3,000 mortgage deduction was eliminated as part of SEA 1 (2025). Homeowners who previously claimed it will instead benefit from the larger supplemental homestead deduction and the new SEA 1 credit.
- • Mortgage deduction: eliminated under SEA 1 (2025 reform)
- • Replacement: larger supplemental homestead deduction phasing in through 2031
- • Most homeowners will see a net benefit from the SEA 1 changes by 2026
Constitutional Circuit-Breaker
Indiana's circuit-breaker is enshrined in the state constitution — no local government can override it. It caps your total property tax at a percentage of gross assessed value regardless of local rates.
- • Homestead / primary residence: 1% of gross assessed value
- • Other residential & agricultural: 2% of gross assessed value
- • Commercial / personal property: 3% of gross assessed value
Non-Homestead Residential (SEA 1)
Under SEA 1, non-homestead residential and agricultural properties also gain new assessed value deductions phasing in from 2026 to 2031, providing some relief to landlords and agricultural landowners.
- • Pay-2026: 6% deduction on non-homestead residential/agricultural AV
- • Increases annually, reaching 33.4% by pay-2031
- • Combined with 2% circuit-breaker cap for non-homestead residential
Fort Wayne & Allen County
Property Taxes in Allen County, Indiana
Allen County is home to Fort Wayne, Indiana's second-largest city, and encompasses a wide range of taxing districts. Your total property tax rate depends on which combination of county, city or town, township, school district, and library taxing units applies to your address.
Fort Wayne city residents pay among the higher rates in Allen County because the city levy includes urban services such as parks, public safety, and infrastructure. Suburban and rural districts — like unincorporated areas served by county-only services — carry lower rates, sometimes below $2.00 per $100 AV.
The rates shown in the calculator are approximate 2026 certified gross rates from the Indiana Department of Local Government Finance (DLGF). Actual bills may differ slightly depending on your exact parcel, TIF district participation, and any pending assessment appeals. Always verify your rate at allencounty.in.gov/269/Tax-Rates.
Sample Allen County District Rates (Pay-2026)
Ft. Wayne–Wayne
City of Fort Wayne + county + Fort Wayne Community Schools — the highest-rate district
$2.8975
per $100 AV
New Haven (St. Joe)
New Haven / St. Joseph Township
$2.7774
per $100 AV
Leo-Cedarville
Leo-Cedarville (East Allen County Schools)
$2.1669
per $100 AV
Aboite Township
Aboite Township (southwest Allen County)
$1.7952
per $100 AV
Jackson Township
Jackson Township — one of the county's lowest rates
$1.5888
per $100 AV
Source: Indiana DLGF 2026 Certified Tax Rates by District. Rates are gross (before circuit-breaker credits). Verify at allencounty.in.gov.
FAQ
Indiana Property Tax Questions Answered
Indiana Veteran Property Tax Relief
Indiana offers additional property tax exemptions and deductions to qualifying veterans, including up to full exemption for totally disabled veterans. Learn about the specific programs available and how to apply.
Read the Veterans Property Tax GuideDisclaimer: This calculator provides estimates only. Results are based on user-entered values and 2026 Indiana law as understood at time of publication, including Senate Enrolled Act 1 (2025). Actual tax bills are determined by your county assessor and auditor and may differ due to your specific parcel, district, TIF participation, assessment appeals, or legislative changes. Rates shown are approximate 2026 DLGF certified gross rates for Allen County districts. Always verify your bill with the Allen County Treasurer (allencounty.in.gov) or consult a licensed tax professional. This tool does not constitute tax or legal advice.
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