Property tax by ZIP code in Indiana
Enter an Indiana ZIP and see the median property tax paid, median home value, and effective tax rate from the 2020–2024 American Community Survey — plus how it compares to the Indiana state median.
Look up an Indiana ZIP code
Enter a 5-digit Indiana ZIP code above to see its property tax data.
ZIP doesn't have ACS data — typically because it's a PO-box-only ZIP, a single-business ZIP, or a small area where the Census suppresses small-sample estimates. Try a nearby ZIP.
ZIP isn't an Indiana ZIP code. This page covers Indiana only. Other states are launching state by state — check back, or use our state-by-state median page in the meantime.
Indiana assesses homes at their "market value-in-use" and then applies a defining feature of the state's system: a constitutional circuit-breaker cap that limits a homestead's property tax to 1% of its gross assessed value. That ceiling is the main reason Indiana's effective rate runs below the national average — around 0.74% of value statewide. A 2025 reform law (SEA 1) is now reshaping the homestead deductions on top of that cap.
Enter a 5-digit Indiana ZIP to see its median property tax, median home value, and effective rate from the US Census American Community Survey 2020–2024 vintage, plus how the ZIP compares to the Indiana state and US national medians. The explainer below covers the 1%/2%/3% caps, the homestead deductions, and what SEA 1 changes and when.
How Indiana property tax works
Indiana assesses real property annually as of January 1 at its market value-in-use, with assessors revisiting roughly a quarter of the parcels in each jurisdiction every year on a four-year cyclical reassessment. What makes Indiana distinctive is the constitutional circuit-breaker cap: property tax is limited to 1% of gross assessed value for a homestead, 2% for other residential and agricultural land, and 3% for other real and personal property. No matter how high local rates climb, a homestead's bill is held to that 1% ceiling.
Below the cap, two deductions have long done the heavy lifting: the Standard Homestead Deduction and the Supplemental Homestead Deduction, applied in sequence to your assessed value. Indiana's Senate Enrolled Act 1 of 2025 (signed in April 2025) reworks both. It phases the Standard Homestead Deduction down over several years — $48,000 for the 2025 assessment date, then stepping down toward $0 by 2030 — while raising the Supplemental Homestead Deduction percentage over the same window. To soften the transition, SEA 1 also creates a new Supplemental Homestead Credit equal to the lesser of 10% of your homestead tax liability or $300, applied automatically starting with bills payable in 2026. Because these provisions phase in, the net effect on any one home depends on the year and on local rates — so treat SEA 1 as enacted but still rolling out.
Indiana also restructured several targeted breaks in 2025: the over-65 benefit became a credit (capped at $150, with income limits raised to $60,000 single / $70,000 joint), and the blind-or-disabled benefit became a $125 credit. The disabled-veteran deductions — $24,960 for a service-connected disability of at least 10%, and $14,000 for a totally disabled veteran (or one 62 or older with at least a 10% rating) on a home assessed under $240,000 — were preserved by a follow-up bill and can combine for qualifying veterans.
Why your actual bill differs
The numbers above describe a typical homeowner in this ZIP — not your specific bill. A few things move bills away from the median:
- The 1% cap may or may not bind. In a high-rate district the circuit breaker actively trims a homestead's bill to 1% of gross assessed value; in a low-rate district the bill can land below the cap and the deductions do all the work.
- Referendum levies sit outside the cap. Voter-approved school and local referendum taxes are added on top of the circuit-breaker limit, so two homes of equal value can differ by whatever referenda their districts have passed.
- SEA 1 is phasing in. The shrinking standard deduction, the rising supplemental deduction, and the new homestead credit all change on a schedule — so a steady-value home can still see its bill move.
To see your own number, use Indiana's statewide Gateway Tax Bill Look Up, then contact your county treasurer for billing and payment.
Methodology
Data on this page comes from the US Census American Community Survey 5-year estimates, 2020–2024 vintage (released January 29, 2026), at the ZIP Code Tabulation Area (ZCTA) level. After filtering ZCTAs the Census suppresses for privacy or small-sample reasons, this page covers 706 Indiana ZIPs.
Topcoding in Indiana. The Census caps median property tax at $10,000, reporting anything higher as $10,001. Indiana's 1% homestead cap and moderate home values keep every ZIP in this dataset below the cap, so the figures here are true medians.
See the full methodology page for source details (Census table IDs, the comparison-median rule, calculator formulas), how we handle topcoding across every state, and the refresh cadence.
Frequently asked questions
Why is the median tax in my ZIP different from what I pay?
Median is the middle of the distribution, not your bill. Indiana caps a homestead at 1% of gross assessed value, but your deductions, local rates, and any referendum levies move your number — and the 2025 SEA 1 changes are phasing in, so bills can shift year to year even at a steady value.
Why might my ZIP show $10,001 as the median tax?
That's the Census topcode for privacy, but it doesn't appear in Indiana — the 1% homestead cap and moderate values keep every ZIP in this dataset below the $10,000 cap, so the figures here are true medians.
Where do I find my actual Indiana property tax bill?
Use Indiana's statewide Gateway Tax Bill Look Up to search by name, address, or parcel; billing and collection are handled by your county treasurer, with the DLGF overseeing the system.
When does Indiana data update on this page?
Annually, when the Census Bureau releases a new ACS 5-year vintage. The 2020–2024 vintage released January 29, 2026. The next vintage (2021–2025) typically follows the next year, though the Census has not yet posted its release date.
Why don't you cover other states yet?
State-by-state rollout. Each state needs its own context section (assessment method, exemptions, local taxing structure) to be genuinely useful. High-search-volume states are going live first.