Floyd County is a small Indiana county with an outsized market identity: New Albany, the county seat, sits directly across the Ohio River from Louisville and has functioned for generations as the Indiana-side anchor of the Louisville metropolitan housing market. That cross-river dynamic is what shapes Floyd County's 2026 Form 11 Notices of Assessment — and why the statewide assessment surge reads a little differently here than it does in counties farther from a metro border.
Floyd County Form 11 notices are mailed each year by April 30, with the statewide June 15 appeal deadline applying to the 2026 cycle.
Floyd County Form 11: notices mail by April 30, 2026. Appeal deadline is June 15 (or 45 days from your notice date, whichever is later). File a Form 130 with the Floyd County Assessor's Office at 311 Hauss Square, Room 110, New Albany.
The Cross-River Market
New Albany, Clarksville, and Jeffersonville — the three cities across the I-64 and Sherman Minton bridges from Louisville — form what locals call "Sunny Side of Louisville." Floyd County contains New Albany and parts of several smaller towns; Clark County next door contains Clarksville and Jeffersonville. For practical purposes, Floyd County's residential market moves with Louisville's.
That has three implications for the 2026 Form 11:
- Sale comparables span the river. Louisville MLS data pulls Floyd County values through a different lane than inland Indiana counties. The assessor's trending window reflects cross-river buyer demand.
- The Kentucky tax differential matters. Kentucky's property tax structure differs from Indiana's, and Floyd County has attracted buyers specifically seeking Indiana's 1% homestead cap and homestead deductions.
- Historic New Albany drives land valuations. The Mansion Row / East Spring Street corridor and the downtown historic district carry significantly higher per-acre land values than suburban Floyd County, and neighborhood code assignments matter more here than in many counties.
What Drives Floyd County's 2026 Assessment Movement
The same state-level forces pushing AVs up everywhere in Indiana apply in Floyd County:
- The DLGF cost-table reset that removed the downward base-cost adjustment
- Annual sale-ratio trending that captured strong 2023-2024 appreciation in the Louisville metro
- Continued demand for New Albany's restored historic stock from cross-river buyers
Floyd County's median effective tax rate runs near 0.98% of market value at the county median, with New Albany carrying the highest effective rate within the county. Because rates are moderate rather than extreme, fewer parcels are pressed against the 1% homestead cap than in high-rate counties — which means AV increases in Floyd County tend to translate more directly to tax bill increases.
What to Check on Your Floyd County Form 11
The general Form 11 day-of-arrival checklist applies statewide. Floyd-specific items:
Neighborhood Code
Floyd County's historic and non-historic residential neighborhoods sit at very different price points per square foot. A home near the historic district boundary can be coded into either neighborhood, and the coding decision can shift land-side AV by 20% or more. Verify the neighborhood code on your Form 11.
Homestead Status
If you bought a Floyd County home in 2024 or 2025 and have not yet filed Form HC-10, your 2026 Form 11 will show no homestead deduction, no SB 1 $300 supplemental credit, and the 2% non-homestead cap rather than the 1% homestead cap. File the deduction at the Floyd County Auditor's Office before the May 10 spring tax deadline.
Historic District Adjustments
Floyd County's historic districts carry specific assessment considerations. Properties with documented historic status may qualify for restoration-related deductions depending on the work performed. Verify any historic adjustments on your Form 11.
Flood Plain Status
Portions of New Albany and the river-adjacent communities fall within FEMA flood plain designations. Flood plain status should be reflected in the assessment calculation — a parcel that sits in a 100-year flood plain has materially different value from the same improvement on a non-flood-plain lot, and that should show up in the AV.
Floyd County and SB 1
The SB 1 property tax reform package affects Floyd County owners the same way it affects every other county in Indiana:
- New $300 supplemental homestead credit on spring 2026 bills
- Supplemental homestead deduction rises from 35% to 40%
- Business personal property exemption rises to $1M for 2026
- New 2% deduction for rental and farmland begins at 13.3%
For Floyd County's rental inventory — meaningful along the New Albany downtown-adjacent neighborhoods and the Sherman Minton approach — the new 2% deduction is a modest but real relief on carrying costs.
| SB 1 change | Floyd County impact |
|---|---|
| $300 homestead credit | Applies to all Floyd County homesteads at the spring 2026 billing cycle |
| Supplemental deduction 35% to 40% | Reduces taxable AV on homesteads by a larger fraction |
| Business personal property exemption | Most small New Albany commercial owners qualify |
| Rental/farmland 2% deduction | Meaningful for New Albany rental inventory |
Appeal Strategy for Floyd County
Comparable sales strategy: Floyd County comparables should come from within the same neighborhood code. Cross-river Louisville sales are not admissible comparables in a Floyd County appeal — only Indiana-side sales carry weight.
The Indiana property tax appeal guide covers the statewide procedure. Floyd County specifics:
- Form 130 is filed with the Floyd County Assessor's Office
- PTABOA hearings are typically scheduled 3 to 6 months after filing
- The strongest evidence is 3 to 5 comparable sales within the same neighborhood code
- For historic district properties, a USPAP-compliant appraisal carries significant weight
The practical math: Floyd County's moderate effective rate means every $10,000 of AV reduction translates to roughly $98 of annual tax savings at the county median. A successful $30,000 reduction recovers roughly $300 per year across a typical 5-to-7-year holding period.
Floyd County By the Numbers
| Metric | Floyd County |
|---|---|
| County seat | New Albany |
| Metropolitan area | Louisville MSA |
| Approximate parcel count | ~35,000 |
| Median effective tax rate | ~0.98% at the county median |
| Form 11 mailing | By April 30, 2026 |
| Appeal deadline | June 15, 2026 |
| Spring installment due | May 11, 2026 |
Floyd County Filing Logistics
Floyd County's Assessor's Office is located at 311 Hauss Square, Room 110, New Albany, IN 47150, with office hours from 8am to 4pm Monday through Friday. Form 130 can be filed in person, by mail, or through available online filing systems. Online filings are time-stamped on submission — the safest option in the final week before the June 15 deadline.
For owners evaluating whether an appeal is worthwhile, Property Lookup surfaces your AV alongside comparable sales within your neighborhood code, and Tax Appeal Automation builds the Form 130 package on contingency.
Flood Risk and Insurance
Floyd County's river-adjacent geography makes flood risk a genuine consideration in both assessment and insurance pricing. A parcel's flood zone designation should be consistent across the assessment record and any insurance documentation. Discrepancies are worth investigating — an incorrectly assigned flood zone can either overstate or understate the assessed value.
When to Engage
The optimal Floyd County filing window is between early May and May 25 — late enough to have your Form 11 in hand, early enough to avoid the deadline rush. If your AV moved more than 12% above the comparable sale evidence in your neighborhood, filing is usually worth the effort. If the move was within trending range, it rarely is.
Find Your Floyd County Property
- Floyd County overview
- Floyd residential parcel data
- Floyd commercial parcel data
- Floyd agricultural parcel data