Pay, Search or Fix a Lowell MA Tax Bill
Use this guide to pay Lowell real estate tax, personal property tax, motor vehicle excise tax, water bills and other City bills through the correct Treasurer/Collector route.
It also explains when to use the Lowell Assessor database, how to avoid DOXO and bank bill-pay mistakes, how mail timing works, and what to do with MLC, payment history or tax title issues.
Treasurer/Collector.
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375 Merrimack St, Room 30.
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What this refresh fixes for search users
The page now gives direct task help instead of repeating “Lowell tax collector” variations without solving the payment, receipt, assessor or lien problem.
City pages and PDFs were converted into user-action sections: fees, postmark rule, MLC, FY2026 assessment guide, excise, duplicate bill, payment history and redemption.
High-contrast cards, decision routes, short sections and mobile-safe CSS reduce scrolling friction and avoid thin directory formatting.
Start with the right Lowell office
Use the Treasurer/Collector for real estate taxes, personal property taxes, motor vehicle excise, utility bills, receipts, duplicate bills, payment history and delinquent balances.
Use the Assessors’ Office and Lowell assessment database for value, ownership, parcel ID, mailing address, exemption, property record card and excise adjustment questions.
Use the City’s MLC, payment history, tax title and Certificate of Redemption instructions when selling, refinancing or clearing a recorded lien.
Lowell MA, Lowell ME or Lowell VT? Do not mix tax offices
This page is for the City of Lowell, Massachusetts. Search results can also show Lowell, Maine or Lowell, Vermont pages, but those offices use different phone numbers, mailing addresses, payment portals and tax laws.
Lowell tax collector, Lowell tax collector MA, Lowell city tax collector, Lowell municipal tax collector, Lowell tax office and Lowell Assessor database searches.
Open the official Town of Lowell, Maine tax information page only after verifying the town, state and bill year.
Check the state printed on your bill before paying. A Massachusetts bill should not be paid through a Maine, Vermont or private tax-preparer page.
How to pay Lowell taxes and bills online
The City’s online bill payment system uses Invoice Cloud for recent bill presentation, online payments and balances. Lowell states this system should not be used as a complete statement of every balance owed on every account or property.
Lowell online payment fees, rejected payment fee and card-cost traps
The City lists the online tax bill electronic check fee as $0.40.
The City lists up to 2.95% with a $1 minimum for online tax bill card or PayPal/Venmo payments.
Water bill card or PayPal/Venmo payments are listed up to 3.5% with a $3.95 minimum.
Lowell lists a flat $4.00 convenience fee for online credit/debit card parking ticket payments.
Pay-by-phone electronic check is listed up to $1.35 per transaction.
Rejected payments are subject to $25 or 1% of the rejected payment amount, whichever is greater.
Pay Lowell bills by phone without calling the wrong number
Lowell lists 877-675-1669 as the bill-payment phone number. Accepted phone-payment bill types include motor vehicle excise, personal property, real estate and water.
Automated payment by credit card or electronic check for eligible bill types. Have bill number, property address or account information ready before calling.
Account questions, payment posting, missing bills, receipt questions, full payoff questions, MLC questions and failed online-payment problems.
Pay Lowell taxes by mail or in person at City Hall
Office of the Treasurer
375 Merrimack Street, Rm 30
Lowell, MA 01852-5998
Make checks or money orders payable to City of Lowell. Do not mail cash.
375 Merrimack Street
1st Floor, Room 30
Lowell, MA 01852
Cash, money orders, checks and card payments for listed bill types are available in person. Card convenience fees apply.
Lowell Treasurer/Collector office hours, address and visit checklist
375 Merrimack Street, 1st Floor, Room 30, Lowell, MA 01852.
Phone: 978-674-4222
Fax: 978-970-4221
Lowell real estate and personal property tax due dates
Lowell real estate and personal property taxes are billed quarterly. Payment received after the due date is subject to 14% annual interest. If the tax is not paid in full by the first business day of May, the City says a $30 demand fee is applied.
Issued July 1. Due first business day of August.
Issued October 1. Due first business day of November.
Issued January 1. Due first business day of February.
Issued April 1. Due first business day of May.
Lowell Tax Assessor database: when to use it before paying
The Lowell Assessor database is for property assessment records, not for paying the bill. Use it when you need the property record card, parcel/account ID, ownership information, assessed value, sales history or field-card details before contacting the Collector.
$11.35 per $1,000 of assessed value.
$22.04 per $1,000 for commercial, industrial and personal property.
Phone: 978-674-4200
Email: assessorsoffice@lowellma.gov
FY2026 Assessment Information Guide: what taxpayers should actually use
The Lowell Board of Assessors’ FY2026 guide explains how residential property was valued, how to read a property record card, and how building and land values are calculated. This is more useful than a generic “assessor database” link because it tells you what each field means.
FY2026 assessed values reflect market value as of January 1, 2025, using 2024 valid sales data and updated property information.
The PDF explains property location, Map ID, state use, appraised value, assessed value, exemptions, other assessments and land valuation fields.
The guide states that assessment changes do not directly determine tax-bill changes; the City budget drives the levy and assessments distribute it.
Micro-help: how to read the Lowell property card before calling
Lowell motor vehicle excise tax: payment, abatement and warrant-stage routing
Lowell explains that Massachusetts motor vehicle excise tax is generated from Registry of Motor Vehicles information and collected by the local tax collector. The minimum excise tax listed by the City is $5.00.
Lowell lists the manufacturer list-price schedule: 50% for the year before manufacture, 90% for year of manufacture, then 60%, 40%, 25% and 10% for fifth year and onward.
The City explains that not receiving an excise bill is not a valid reason to waive fees or interest. Keep RMV address information current.
Failure to pay can result in demand fees, additional charges and an RMV mark that prevents license or registration renewal.
Use Invoice Cloud, phone payment, mail or the Treasurer/Collector office while the bill is available through normal City routes.
Billing or adjustment questions go to the Assessors’ Office at 978-674-4200, not the payment counter.
Once an excise bill reaches warrant stage, Lowell says it is only available online through the City’s Deputy Collector, Kelley & Ryan Associates.
Duplicate bill and payment history requests
Excise tax or water/utility bills may be duplicated by request of the registered owner or homeowner, with a $1 fee per bill.
Current balances, excluding tax liens, may be located online in the City’s View or Pay My Bill section.
Payment history requests require a written form and a $2 fee per statement per year.
Lowell Municipal Lien Certificate: what the PDF requires
A Municipal Lien Certificate is usually needed for a sale, refinance or title review. Lowell’s MLC page and PDF are more specific than most generic tax-collector pages, so use the form details before mailing a request.
Date of request, requestor name, reason, property location, assessed owner, parcel/account ID, pickup/mail preference, phone and mailing address.
The PDF states that MLCs are legal documents and will not be faxed. It also says no verbal tax information will be given.
The City says requests are processed in the order received and rush orders are not accepted.
Lowell MLC fees shown on the official PDF
Condo, single family, two family, three family and vacant land.
Four or more units, rooming/boarding houses, residences, halls, dorms, rectories, convents and monasteries.
All commercial, industrial and mixed-use properties. Tax-exempt property is listed at $25.
Lowell tax title, tax lien and Certificate of Redemption help
Late Lowell property taxes can move beyond ordinary interest. Lowell explains that unpaid property taxes can lead to a tax taking, an Instrument of Taking recorded at the Middlesex North Registry of Deeds and Tax Title status.
Demand notices are sent after unpaid fiscal-year taxes remain after the fourth-quarter due date.
The City can record a document that formally places a lien on the property. It can make selling or refinancing harder until paid.
If not redeemed, the City may pursue foreclosure of the right of redemption through Massachusetts Land Court. Seek legal help if this applies.
Certificate of Redemption basics
When a recorded lien from an Instrument of Taking has been paid in full and needs to be discharged.
Lowell lists Certificates of Redemption at $10 per certificate. Debit/credit cards are not accepted for this request.
If you want the Treasurer’s Office to file it at Middlesex North Registry of Deeds, Lowell says to include an additional $105 per certificate.
Common Lowell tax bill problems and fastest next step
Official Lowell tax collector and assessor links
Use this for department address, phone, office contact and Treasurer/Collector duties.
Use this before Invoice Cloud to read the DOXO warning, fee rules and online balance limits.
Use this for mail address, postmark rule, receipt request and in-person payment methods.
Use this for quarterly real estate tax schedule, interest and Collector/Assessor routing.
Use this for business personal property tax schedule, interest and payment routes.
Use this for excise calculation, RMV address warning, demand fee and Assessor routing.
Use this to search property assessment records and property record cards.
Use this to understand valuation, property-card fields, land value and building value.
Use this for MLC request steps, fees, processing notes and legal-address warning.
Use this for duplicate excise, water/utility, real estate and personal property bill rules.
Use this for the $2-per-statement request process and processing-time notes.
Use this for tax taking, Instrument of Taking, lien and Land Court risk information.
Use this after a recorded lien is paid and a redemption document is needed.
Lowell Tax Collector FAQs
Where is the Lowell Tax Collector office?
The Lowell tax collector function is handled by the City of Lowell Treasurer/Collector’s Department at 375 Merrimack Street, 1st Floor, Room 30, Lowell, MA 01852. The department phone number is 978-674-4222.
How do I pay Lowell MA taxes online?
Start from the City of Lowell Pay Your Bills Online page, then use the City-linked Invoice Cloud route. Choose the right bill type, search carefully, review the convenience fee and save your confirmation.
What is the Lowell Tax Collector phone number?
Call 978-674-4222 for the Treasurer/Collector’s Department. For automated phone payment, Lowell lists 877-675-1669.
Does Lowell accept postmarks for tax payments?
No. Lowell states that payments are considered made when received by the Treasurer’s Office. Postmarks and the date on the check are not accepted as the payment date.
What are Lowell online tax payment fees?
Lowell lists online tax bill card or PayPal/Venmo fees up to 2.95% with a $1 minimum, and electronic check at $0.40. Fees are charged by the online processor, not the City, and are non-refundable.
When are Lowell real estate taxes due?
Lowell real estate taxes are billed quarterly. The due dates are the first business day of August, November, February and May, based on bills issued July 1, October 1, January 1 and April 1.
What is the Lowell Assessor database?
The Lowell Assessor database is the official assessment record lookup for ownership, parcel/account details, sales history, assessed value and property record cards. It is not the tax payment portal.
Who fixes a wrong Lowell motor vehicle excise bill?
The Treasurer/Collector handles payment. Billing and adjustment questions should go to the Assessors’ Office at 978-674-4200. Registration-address issues may also require Massachusetts RMV updates.
How do I request a Lowell Municipal Lien Certificate?
Use the City’s MLC page and PDF form. Provide the legal property address and parcel/account ID from the property card, include the correct fee, include a self-addressed stamped envelope if mailing is needed, and allow processing time.
What if I meant Lowell, Maine tax collector?
This page is for Lowell, Massachusetts. Lowell, Maine is a different municipality with a different official website, phone number, address, office hours and payment process. Verify the state on your tax bill before paying.
Is TaxCollectors.org the official Lowell tax office website?
No. TaxCollectors.org is an independent guide. Always verify balances, payment links, fees, due dates, office access, tax title notices, assessor records and legal deadlines directly with the City of Lowell or the correct official office.