Indiana homeowners pay property taxes in two installments: spring (due May 10) and fall (due November 10). In 2026, the fall deadline is Tuesday, November 10. Indiana mails a single bill once a year, in the spring, with coupons for both installments — so if you're looking for a fresh bill to arrive in your mailbox this fall, it isn't coming. The fall coupon is the second half of the bill you already got.
How the Late Penalty Works
Indiana's penalty isn't a flat rate. Under Indiana Code 6-1.1-37-10, it depends on two things:
- ›5% penalty if you pay the full late installment within 30 days of the due date and you don't owe any prior delinquent taxes or penalties on that parcel.
- ›10% penalty if you pay more than 30 days late, or if the parcel already had unpaid taxes or penalties from before — in that case, the 10% applies the day after the due date.
For the November 10 installment, that means a clean-record owner who pays by around December 10 pays 5% extra. Anyone with an older balance, or anyone who waits past that 30-day window, pays 10%.
On a $1,500 installment, that's the difference between a $75 penalty and a $150 one.
Check Whether Your Lender Already Paid
If your mortgage has an escrow account, your lender pays both installments. Most county treasurers in Indiana let you look up a parcel's payment history online — it's worth checking a week after November 10 to confirm the payment posted, since you're the one who owes the penalty if a lender's payment goes astray.
The Cap That Shapes Your Bill
Indiana's constitution caps property taxes on a homestead at 1% of its gross assessed value. If the combined rates in your area would push you over that line, a circuit breaker credit is applied automatically — it should already be reflected on the spring bill. If your total looks higher than 1% of your home's assessed value, that's worth a call to the county auditor.
Indiana is also in the middle of shifting how local governments are funded, with more coming from local income taxes and less from property taxes over the next few years. For now, the November 10 installment is what's due.
Find your county treasurer and payment options on our Indiana property tax page, including Marion County.