South Bend, IN Property Tax Rate (2026)

Combined rate, 2026

4.4033to4.9445per $100 of assessed value, depending on where in South Bend the property is

6 tax areas · 7+ taxing units each

Why the rate depends on the address

An Indiana property is taxed by every unit its tax district covers: the county, the township, the city or town if it's in one, the school corporation, the library and any special districts. South Bend spans more than one combination of these, so this page shows each one.

Your tax bill, or your county's appraisal or assessment office, lists the units for your property.

How South Bend compares

South Bend's lowest combined rate, 4.4033 per $100, is above the St. Joseph County median of 2.4825 and above the Indiana median of 1.7805.
In its South Bend - Penn area, the combined rate fell 15.6% from 2022 (5.2175) to 2026 (4.4033).
Rates across South Bend's 6 tax districts differ by 0.5412 per $100, so the address matters.

Medians are of the lowest combined rate in each place, across 21 places in St. Joseph County. Percent changes compare two published rates; a rate change isn't the same as a bill change, because values change too.

What's in the rate

South Bend - Centre

Taxing unit	Rate	Share
St. Joseph CountyCounty	0.5781	12%
Centre TownshipTownship	0.0107	0%
City of South BendCity or town	2.6802	56%
South Bend Community School CorporationSchool district	1.1774	24%
St. Joseph County Public LibraryLibrary	0.2487	5%
South Bend Public TransportationSpecial district	0.0943	2%
St. Joseph AirportSpecial district	0.038	1%
CombinedTotal as published	4.8274	100%

South Bend - Clay

Taxing unit	Rate	Share
St. Joseph CountyCounty	0.5781	12%
Clay TownshipTownship	0.0256	1%
City of South BendCity or town	2.6802	55%
South Bend Community School CorporationSchool district	1.1774	24%
St. Joseph County Public LibraryLibrary	0.2487	5%
South Bend Public TransportationSpecial district	0.0943	2%
St. Joseph AirportSpecial district	0.038	1%
CombinedTotal as published	4.8423	100%

South Bend - German

Taxing unit	Rate	Share
St. Joseph CountyCounty	0.5781	12%
German TownshipTownship	0.0106	0%
City of South BendCity or town	2.6802	56%
South Bend Community School CorporationSchool district	1.1774	24%
St. Joseph County Public LibraryLibrary	0.2487	5%
South Bend Public TransportationSpecial district	0.0943	2%
St. Joseph AirportSpecial district	0.038	1%
CombinedTotal as published	4.8273	100%

South Bend - Portage

Taxing unit	Rate	Share
St. Joseph CountyCounty	0.5781	12%
Portage TownshipTownship	0.1278	3%
City of South BendCity or town	2.6802	54%
South Bend Community School CorporationSchool district	1.1774	24%
St. Joseph County Public LibraryLibrary	0.2487	5%
South Bend Public TransportationSpecial district	0.0943	2%
St. Joseph AirportSpecial district	0.038	1%
CombinedTotal as published	4.9445	100%

South Bend - Penn

Taxing unit	Rate	Share
St. Joseph CountyCounty	0.5781	13%
Penn TownshipTownship	0.0303	1%
City of South BendCity or town	2.6802	61%
Penn-Harris-Madison-School CorporationSchool district	0.8541	19%
Mishawaka Public LibraryLibrary	0.1283	3%
South Bend Public TransportationSpecial district	0.0943	2%
St. Joseph AirportSpecial district	0.038	1%
CombinedTotal as published	4.4033	100%

South Bend Warren

Taxing unit	Rate	Share
St. Joseph CountyCounty	0.5781	12%
Warren TownshipTownship	0.0304	1%
City of South BendCity or town	2.6802	55%
South Bend Community School CorporationSchool district	1.1774	24%
St. Joseph County Public LibraryLibrary	0.2487	5%
South Bend Public TransportationSpecial district	0.0943	2%
St. Joseph AirportSpecial district	0.038	1%
CombinedTotal as published	4.8471	100%

Rates are per $100 of assessed value. Shares show how much of the combined rate each unit makes up.

Estimate your 2026 bill

Part of South Bend Taxable value

Use the net assessed value from your notice, after deductions such as the homestead deductions.

Estimated annual tax before unit-specific exemptions

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Indiana caps a bill at 1% of gross assessed value for a homestead, 2% for other residential property and farmland, and 3% for other property. If this estimate is above your cap, expect the cap instead.

Combined rate by year

Tax district	2022	2023	2025	2026
South Bend - Centre	5.8259	5.2513	4.9608	4.8274
South Bend - Clay	5.8486	5.2702	4.9757	4.8423
South Bend - German	5.8326	5.256	4.9602	4.8273
South Bend - Portage	5.819	5.2897	5.0426	4.9445
South Bend - Penn	5.2175	4.7923	4.5722	4.4033
South Bend Warren	5.857	5.2756	4.9814	4.8471

Combined rate per $100 of assessed value, as published for each year. A dash means no rate is on file for that year, or the district changed.

Places in St. Joseph County with similar rates

See all 21 places in St. Joseph County →

How property tax works in Indiana

Our Indiana property tax guide covers how assessments and rates work, when bills are due, relief programs and how to appeal.

Where these rates come from

Source: Indiana Department of Local Government Finance, 2026 Certified Tax Rates by District. Retrieved 2026-10-27.

Rates are shown exactly as published. Where the state doesn't publish a combined total, the combined figure is the sum of the published unit rates and is labelled that way. Spotted an error? Email [email protected].

South Bend property tax rate