Mortgage & Property Taxes in Allen County, Indiana

Last Updated: August 2026

If you have a mortgage on your Allen County home, your property taxes may be paid through an escrow account managed by your mortgage company. Indiana’s former Mortgage Deduction is no longer available, but homeowners may still qualify for other valuable property tax deductions and credits.

Quick Answer

Indiana’s Mortgage Deduction has been eliminated and is no longer available for new property tax bills.

If your mortgage company escrows your taxes, it will generally pay the Allen County property tax bill for you.

Check Your Allen County Property Tax Information

Allen County Treasurer: 260-449-7693

Is There Still an Indiana Mortgage Deduction?

No.

Indiana’s former Mortgage Deduction is no longer available beginning with taxes payable in 2024.

If you see older websites or forms telling homeowners to apply for a mortgage deduction, that information is outdated.

You may still qualify for other property tax deductions and credits.

View Current Indiana Property Tax Deductions & Credits

How Property Taxes Work With a Mortgage

Many homeowners pay their property taxes through a mortgage escrow account.

Each month, part of your mortgage payment may be set aside for:

Property taxes
Homeowners insurance
Other escrowed expenses

When your Allen County property taxes become due, the mortgage servicer uses money from the escrow account to pay them.

How Do I Know if My Taxes Are Escrowed?

Check your monthly mortgage statement or annual escrow statement.

Look for terms such as:

Escrow
Property tax
Tax payment
Escrow balance

You can also contact your mortgage servicer and ask whether Allen County property taxes are included in your monthly payment.

Don’t assume they’re included simply because you have a mortgage.

Check Whether Your Taxes Were Paid

Even when your mortgage company is responsible for paying the taxes, it’s a good idea to verify that the payment was actually made.

Allen County provides public property tax information online.

Check Allen County Property Tax Information

This can be especially important after:

Buying a home
Refinancing
Changing mortgage companies
Paying off a mortgage
Receiving a delinquent tax notice
Seeing an unexpected escrow adjustment

Allen County Property Tax Due Dates

Allen County property taxes are generally paid in two installments each year, one in the spring and one in the fall.

For 2026, the due dates are:

Spring installment: May 11, 2026
Fall installment: November 10, 2026

If your taxes are escrowed, your mortgage servicer generally handles these payments.

View Allen County Property Tax Payment Information

Why Did My Mortgage Payment Change?

Even with a fixed-rate mortgage, your monthly payment can change because of your escrow account.

Common reasons include:

Property taxes increased
Homeowners insurance increased
Your assessed value changed
Your deductions or credits changed
The escrow account had a shortage or surplus

Your mortgage company usually performs an annual escrow analysis and adjusts the monthly escrow amount when necessary.

Property Tax Bill vs. Mortgage Statement

Your mortgage payment and property tax bill are two different things.

The Allen County Treasurer collects property taxes.

Your mortgage company may collect money from you each month and then pay those taxes on your behalf.

If you have a question about:

Your tax bill or whether the county received payment: Contact the Allen County Treasurer.

Your monthly escrow amount: Contact your mortgage servicer.

What Happens When You Pay Off Your Mortgage?

Once your mortgage is paid off, the lender will no longer maintain an escrow account for your property taxes.

That means you become responsible for paying the Allen County property tax bill directly.

Make sure:

The Treasurer has your correct mailing address.
You know the spring and fall due dates.
You verify that your mortgage company’s final tax payment was made.
You begin budgeting for the tax payments yourself.

Property Tax Deductions You May Still Qualify For

Although the Mortgage Deduction has been eliminated, Allen County homeowners may qualify for other benefits, including:

Homestead Deduction and related homestead benefits
Over 65 Credit
Over 65 Circuit Breaker Credit
Blind or Disabled Credit
Disabled Veteran property tax benefits
Other qualifying deductions or credits

View Allen County Property Tax Deductions & Credits

Buying or Refinancing a Home

After buying or refinancing, check your property tax records and deductions.

A mortgage lender or title company may handle portions of the transaction, but you should still verify that your Homestead Deduction and other applicable benefits are properly recorded.

Don’t assume your lender automatically applied for every property tax benefit you’re eligible to receive.

Allen County Treasurer

Questions about property tax bills and payments should be directed to:

Allen County Treasurer
Rousseau Centre
1 E. Main Street
Fort Wayne, IN 46802
Phone: 260-449-7693

Visit the Allen County Treasurer

For questions about property tax deductions and credits:

Allen County Auditor: 260-449-7241

Before You Pay

If you have a mortgage:

Check whether your taxes are escrowed.
Review your annual escrow statement.
Verify the county received your tax payment.
Check that your property tax deductions are correct.
Contact your mortgage company about escrow shortages or increases.
Contact the Treasurer about tax-payment questions.

Local Tip

Even if your mortgage company pays your property taxes, check the Allen County tax record occasionally to make sure the payment was received.

This is especially smart after refinancing or changing mortgage servicers, when responsibility for escrow payments may be transferring from one company to another.

Also, don’t apply for the old Indiana Mortgage Deduction—it no longer exists.

Frequently Asked Questions

Does Indiana still have a Mortgage Deduction?

No. Indiana’s former Mortgage Deduction was eliminated beginning with taxes payable in 2024.

Does my mortgage company pay my property taxes?

If your mortgage includes an escrow account for property taxes, your mortgage servicer generally makes the payments for you.

Why did my mortgage payment increase?

Your payment can increase because your property taxes, homeowners insurance or required escrow amount increased, even if your mortgage interest rate didn’t change.

What happens to my property taxes when my mortgage is paid off?

You’ll generally become responsible for paying the property taxes directly to Allen County.

Who do I call about my Allen County property tax payment?

Contact the Allen County Treasurer at 260-449-7693.

Official Resources

Allen County Treasurer
Rousseau Centre
1 E. Main Street
Fort Wayne, IN 46802
Phone: 260-449-7693

Allen County Auditor
Phone: 260-449-7241

Summary

Indiana’s former Mortgage Deduction has been eliminated, but Allen County homeowners may still qualify for other valuable property tax deductions and credits. If your taxes are included in your mortgage escrow, the mortgage company generally pays Allen County on your behalf. Homeowners should still verify that payments are received and that Homestead and other eligible property tax benefits are correctly applied.