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Indiana Property Tax GuideAppeal and Lower Your Indiana Property Tax.
Indiana reassesses every property annually and mails Form 11 (Notice of Assessment) each spring. The clock starts the moment you receive it, 45 days to file Form 130 with the county assessor. For homes near the 1% circuit breaker cap, a successful appeal can be disproportionately valuable.
How the Indiana Appeal Process Works
- Receive Form 11 Notice of Assessment, mailed spring of each year.
- Compare assessed value to recent sales using the county assessor's online portal.
- Complete Form 130 stating your opinion of value and reasons for the appeal.
- File with the county assessor within 45 days of Form 11 (or May 10 tax bill).
- Informal assessor review, resolves many cases without a PTABOA hearing.
- PTABOA hearing if unresolved, informal, approximately 15 to 30 minutes.
- Appeal to the Indiana Board of Tax Review (IBTR) within 45 days of PTABOA decision.
Major Indiana Counties, Where to File
- Marion County (Indianapolis): indy.gov/assessor. Online Form 130 submission.
- Lake County: lakecountyin.gov/assessor.
- Allen County (Fort Wayne): allencounty.us/assessor.
- Hamilton County (Carmel): hamiltoncounty.in.gov/assessor.
- St. Joseph County (South Bend): stjosephcountyindiana.com/assessor.
- Vanderburgh County (Evansville): evansvillegov.org/assessor.
- Hendricks County: hendrickscountyassessor.org.
Watch the 1% circuit breaker math. Indiana caps homestead property taxes at 1% of gross assessed value. If your assessment is high enough that the cap is binding, a reduction doesn't lower your bill dollar for dollar, it unlocks room under the cap. For homes with AV well above the cap threshold, sometimes only a larger reduction produces real savings. Run the math before filing.
When You Probably Qualify for a Reduction
- Your assessed value is above recent comparable sales in your neighborhood
- Your parcel record has errors (square footage, finished basement, garage, porch)
- Your home has unrepaired structural, roof, or system issues
- You purchased your home for less than the assessed value within the last 12 months
- The assessor applied the wrong neighborhood factor or grade to your home
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Start My Indiana Appeal →Indiana Property Tax Appeal FAQ
Will appealing raise my assessment?
Indiana's PTABOA can adjust in either direction, though homeowner initiated appeals almost always result in a reduction or no change. Avoid submitting an unrealistic claimed value.
What if I didn't get a Form 11?
If no Form 11 is mailed (common when value doesn't change), you still have 45 days from the May 10 tax bill to file Form 130. Check your county assessor's portal if you're unsure.
Is the IBTR free?
No. IBTR charges a small filing fee (around $50 for residential appeals). The Small Claims Procedure is simpler and designed for pro se homeowners.
How does Indiana reassess?
Indiana uses annual trending, assessors apply neighborhood wide sales ratios to adjust values, plus full cyclical reassessments. Annual trending is the source of most "surprise" year over year jumps.