How to Lower Your Property Taxes in Connecticut

Property taxes are a significant expense for homeowners in Connecticut, often taking up a substantial portion of monthly budgets. Understanding how to lower your property taxes can lead to substantial savings and greater financial stability. In this guide, we will explore various strategies and resources available to help you reduce your property tax burden, including the appeals process, available exemptions, and how Easy Appeal can assist you in crafting a strong, winning appeal.

Property taxes in Connecticut are assessed based on the fair market value of your property. The state assessor's office, in collaboration with Vision Government Solutions Inc (VGSI), plays a crucial role in determining this value, which in turn affects the amount of tax you owe. Understanding how property taxes are assessed and the factors that influence these assessments is the first step in effectively lowering your property taxes.

In Connecticut, property taxes are calculated using the formula:

• Assessment Value: Determined by the state assessor's office, with VGSI handling the initial valuations based on the fair market value of your property.
• Mill Rate: Established by the local government, it represents the amount of tax payable per dollar of the assessed value.

The state assessor's office, with the assistance of Vision Government Solutions Inc (VGSI), is responsible for evaluating the fair market value of properties within Connecticut. This assessment ensures uniformity in property valuations and ensures that all property owners pay only their fair share of the property tax burden. Regular revaluations occur every five years to account for changes in the market and property conditions.

Lowering your property taxes involves a systematic approach to reviewing and potentially appealing your property assessment. Here are the essential steps to follow:

Importance of Checking Property Records for Accuracy

Start by obtaining a copy of your property assessment from the Assessor's Office. Carefully review the details to ensure that all information is accurate, including:

• Property Description: Verify the size, number of rooms, and other physical attributes.
• Comparable Sales: Ensure that the assessment reflects recent sales of similar properties in your area.
• Property Condition: Check for any discrepancies in the condition or improvements of your property.

Errors in your property records can lead to an inflated assessment, resulting in higher property taxes.

Types of Factual Evidence That Can Support an Appeal

To build a strong case for lowering your property taxes, gather relevant evidence, such as:

• Recent Comparable Sales: Provide data on recent sales of similar properties in your neighborhood to demonstrate that your assessment is higher than the market value.
• Property Condition Reports: Document any issues with your property that may affect its value, such as structural problems or outdated features.
• Appraisal Reports: Obtain a professional appraisal to support your claim that your property is overvalued.

For a detailed calculation of how much your taxes may have increased, visit our Calculate Overpayment page.

What to Expect During the Informal Meeting with VGSI

If you find discrepancies in your assessment, request an informal hearing with the revaluation company, Vision Government Solutions Inc (VGSI). During this meeting:

• Present Your Evidence: Share the documentation you've gathered to support your case.
• Discuss Property Details: Explain any unique aspects of your property that may not have been considered in the initial assessment.
• Seek Adjustment: If VGSI acknowledges the discrepancies, they may adjust your assessment without the need for further hearings.

Steps to Take If You Disagree After the Informational Meeting

If the informal hearing does not result in a satisfactory adjustment, you can escalate the appeal to a formal hearing before the Board of Assessment Appeals. Here's how to prepare:

• File a Formal Appeal: Submit the necessary paperwork to initiate the formal appeal process.
• Prepare Your Case: Organize all your evidence and be ready to present your arguments clearly and concisely.
• Attend the Hearing: Present your case to the Board, addressing any questions or concerns they may have.

Explanation of the Appeal Process to the Superior Court

If you remain dissatisfied after the formal hearing, you can take your appeal to the Superior Court under Section 12-117A of the Connecticut General Statutes. This is the final step in the property tax appeal process:

• Legal Representation: While not required, having a real estate tax attorney can strengthen your case.
• Court Proceedings: Present your evidence and arguments to the court, which will make the final determination on your property assessment.

Navigating the property tax appeal process can be complex. Professional assistance can increase your chances of a successful appeal.

Benefits of Using Easy Appeal

You don't need an attorney to effectively appeal your property taxes. Easy Appeal can assist you in crafting a comprehensive, winning appeal, even if your case is not complex. Here's how Easy Appeal can help:

• Expert Guidance: Our team understands the intricacies of the tax appeal process and can help you identify the best strategies to lower your assessment.
• Comprehensive Support: From reviewing your assessment to gathering evidence and preparing your appeal, we provide end-to-end assistance.
• User-Friendly Tools: Easy Appeal offers intuitive tools that make the appeal process straightforward and manageable.
• DIY Services: For towns not covered by our done-for-you services, Easy Appeal provides DIY options that empower you to handle your appeal independently.

Explore the towns we service by visiting our Town Services page.

Connecticut offers various exemptions and programs to help reduce property taxes for eligible homeowners.

Eligibility and Application Process

The Connecticut General Statutes provide exemptions for:

• Veterans: Eligible veterans may receive a reduction in their property taxes.
• Blind Individuals: Homeowners who are blind can apply for a property tax exemption.
• Totally Disabled: Those who are totally disabled may qualify for an exemption.

To apply, contact the Assessor's Office in your town. If you believe you qualify but do not see the exemption applied, make an inquiry to ensure you receive the benefits you're entitled to.

Available Relief Options for Senior Homeowners

Senior homeowners may qualify for additional property tax relief programs designed to ease their financial burden. These programs vary by municipality but typically offer:

• Tax Credits: Reductions in the amount of property tax owed.
• Deferred Payments: Options to defer property tax payments until a later date.

Contact your local Assessor's Office to learn about the specific programs available in your area and how to apply.

Understanding the revaluation process is essential for comprehending how property taxes are determined and how they may be lowered.

Explanation of the Five-Year Revaluation Cycle and Its Impact on Property Taxes

Connecticut law requires a revaluation of all real estate every five years to ensure that property assessments reflect current market values. The most recent revaluation cycle began in October 2024, affecting assessments for the 2025 tax bill.

• Uniformity in Valuations: Ensures all properties are assessed using the same standards.
• Fair Tax Burden: Helps distribute the tax burden equitably among property owners.
• Potential Adjustments: If your property is overvalued compared to similar properties, you may see a reduction in your property tax burden.

Definition and Factors Influencing Property Value Assessments

Fair market value is defined as the price established between a willing buyer and a willing seller, taking into account all uses to which the property is adapted. Factors influencing fair market value include:

• Local Market Conditions: Current real estate trends and demand in your area.
• Property Size and Quality: The size, construction quality, and overall condition of your property.
• Age and Improvements: The age of your home and any recent improvements or renovations.
• Neighborhood Changes: Economic and infrastructural developments in your neighborhood.
• Zoning Regulations: Local zoning laws and their impact on property use and value.

How Mill Rates Are Established and Their Effect on Your Tax Bill

Mill rates are determined by dividing the total budget amount needed by local taxes by the total taxable assessments in the town. The formula is:

Effect on Tax Bills:

• Higher Mill Rates: Lead to higher property taxes.
• Lower Mill Rates: Result in lower property taxes.

Municipalities adjust mill rates based on their budgetary needs and changes in assessed property values during revaluation.

Should I Appeal My Property Tax Assessment?

If you believe your property has been overvalued, appealing your assessment can lead to significant tax savings. It's advisable to appeal if:

• Your property has unique characteristics that weren't considered.
• Comparable properties are assessed lower.
• There are errors in your property records.

Can I Lower My Property Taxes Without a Professional?

Yes, you can successfully appeal your property taxes without hiring a professional. Services like Easy Appeal provide tools and guidance to help you craft a comprehensive appeal. However, even if your case is not complex, considering Easy Appeal's expert tax appeal service can enhance your chances of a successful outcome by crafting a strong appeal that you can handle yourself.

For more information, visit our FAQ page.

Lowering your property taxes in Connecticut requires a thorough understanding of the assessment process, careful review of your property records, and, if necessary, a structured appeal. By following the steps outlined in this guide—reviewing your assessment, gathering evidence, attending hearings, and utilizing professional help when needed—you can effectively reduce your property tax burden.

Don't let high property taxes strain your finances. Take action today by reviewing your property assessment and exploring the available options to lower your taxes. Whether you choose to handle the appeal yourself with the assistance of Easy Appeal or seek help from our expert team, proactive steps can lead to substantial savings and greater financial peace of mind.