45140 Property Tax Rate
Loveland, Ohio · Part of Clermont County
Effective Tax Rate
1.54%
127.4% above state avgMedian Annual Tax
$5,240
$437/mo escrow
Estimate Your Tax
Annual Tax
$5,240
Monthly
$437
Eff. Rate
1.54%
Buyer decision brief
What ZIP 45140 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$437/mo
Based on median annual tax paid
State context
0.30 percentage points above the Ohio average
Ohio average: 1.24%
Data confidence
High confidenceThe Census margin of error is $243, about 5% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Clermont County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 45140 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$243 tax MOE, 5% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County context only
Clermont County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 45140
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $340,800, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 1.54%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Ohio and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $437 per month before insurance, HOA dues, or special assessments.
Assessor verification
Clermont County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 45140 Compares
Median Annual Property Tax
ZIP 45140
1.54%
Effective rate
Ohio Avg
1.24%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Ohio
Higher than 82% of ZIP codes in Ohio(82th percentile, 1,116 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 45140
Property owners in ZIP code 45140 (Loveland, Ohio) pay a median of $5,240/year in property taxes on homes valued at $340,800. This translates to an effective tax rate of 1.54%, which is 24% above the Ohio state average of 1.24%.
The monthly property tax burden for a median-valued home in 45140 is approximately $437, which factors into escrow payments on mortgages. This ZIP code is located within Clermont County. This is $2,936 more than the Ohio average of $2,304/year.
Compared to similar ZIP codes in Ohio, 45140 has lower property taxes. ZIP codes with similar effective rates include 44099 (1.54%) and 44221 (1.54%).
In Loveland, property taxes represent approximately 4.7% of the median household income of $110,781, providing context for the relative tax burden on homeowners in this area.
If you're considering purchasing a home in 45140, keep in mind that property taxes are based on the assessed value assigned by the local assessor, which may differ from the purchase price. In some states, properties are reassessed at or near the sale price upon transfer of ownership. For the most current tax information for a specific property, consult Clermont County's tax assessor directly.
Frequently Asked Questions
What is the property tax rate in ZIP code 45140?
How much are property taxes in Loveland, OH (45140)?
How does ZIP 45140 compare to the Ohio average?
What is the median home value in ZIP 45140?
What county is ZIP code 45140 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$243. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 45140 is part of Clermont County, Ohio. View the full county profile for broader context and more data.
View Clermont County on TaxByCounty →Why compare these ZIPs?
Better comparison set for ZIP 45140
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
45153
Moscow, OH
0.75 percentage points lower than ZIP 45140.
Rate
0.79%
Tax
$1,897
Quality
79
45158
Newtonsville, OH
0.71 percentage points lower than ZIP 45140.
Rate
0.83%
Tax
$1,811
Quality
79
45120
Felicity, OH
0.69 percentage points lower than ZIP 45140.
Rate
0.85%
Tax
$1,590
Quality
84
45176
Williamsburg, OH
0.63 percentage points lower than ZIP 45140.
Rate
0.91%
Tax
$1,793
Quality
84
45106
Bethel, OH
0.54 percentage points lower than ZIP 45140.
Rate
0.99%
Tax
$2,022
Quality
84
45122
Goshen, OH
0.54 percentage points lower than ZIP 45140.
Rate
1.00%
Tax
$2,098
Quality
84
45157
New Richmond, OH
0.51 percentage points lower than ZIP 45140.
Rate
1.03%
Tax
$2,389
Quality
84
45160
Owensville, OH
0.47 percentage points lower than ZIP 45140.
Rate
1.07%
Tax
$1,500
Quality
76
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.