Illinois · Property Tax & Closing Costs

Illinois property tax by county

Property tax rates, median home values, and closing cost estimates for all 102 counties in Illinois. The average effective rate across the state is 1.80%, ranking Illinois 3 of 51 (highest property taxes nationally). Data is sourced from the US Census Bureau American Community Survey 2024 5-year estimates.

Average rate

1.80%

across 102 counties

National rank

of 51, highest rate first

Median home value

$134,650

county median in state

Rate range

0.96%–2.58%

Hardin County → Lake County

Same home, different county

On a $134,650 home (the typical county median in Illinois), the annual property tax bill depends heavily on where you buy:

Lowest-rate county

$1,298/yr

Hardin County at 0.96%

Highest-rate county

$3,475/yr

Lake County at 2.58%

Difference

$2,177/yr

$181/mo · $21,773 over 10 years

Estimate: purchase price × each county's effective rate. Actual bills depend on assessed value, local levies, and exemptions.

Lowest property tax rates in Illinois

The five Illinois counties with the lowest effective property tax rates, useful for buyers comparing total cost of ownership across the state.

County	Rate	Median home	Median taxes
Hardin County	0.96%	$103,800	$1,001
Pulaski County	1.02%	$85,100	$869
Pope County	1.03%	$143,800	$1,477
Lawrence County	1.19%	$99,100	$1,174
Johnson County	1.24%	$160,500	$1,992

Highest property tax rates in Illinois

The five Illinoiscounties with the highest effective property tax rates. High rates often reflect strong school district funding or municipal services rather than weakness, but they materially change a buyer's monthly carrying cost.

County	Rate	Median home	Median taxes
Lake County	2.58%	$345,700	$8,923
DeKalb County	2.45%	$243,600	$5,974
Stephenson County	2.40%	$134,900	$3,240
Winnebago County	2.39%	$164,500	$3,930
Kendall County	2.37%	$322,400	$7,651

Illinois real estate transfer tax

Illinois charges a combined transfer tax of about 0.15% of the purchase price. On a $134,650 home, that is roughly $202 in total.

Paid by	Rate	On $134,650
Buyer	0.00%	$0
Seller	0.15%	$202

State $0.50/$500 (0.1%) + county $0.25/$500 (0.05%), both seller. Chicago adds a city tax of $5.25/$500 total, $3.75/$500 (0.75%) buyer-paid CTA portion + $1.50/$500 (0.3%) seller-paid portion. Other home-rule municipalities (Evanston, Oak Park, Naperville, Aurora) set their own rates.

Official Illinois source → · Verified April 2026

Closing costs in Illinois

Across Illinois's 102 counties, buyer closing costs run $2,462 to $9,915 at each county's median home value with 20% down. Cash needed at closing, with closing costs and the down payment, runs $14,422 to $88,195. Pick your county for your own figures.

Illinois closing cost calculator

Illinois property tax exemptions

Ways buyers in Illinois may reduce their annual property tax. These programs apply statewide; verify county specifics with your local assessor.

Homestead

General Homestead Exemption

Reduces EAV by up to $10,000 in Cook County, $8,000 in collar counties, or $6,000 elsewhere for owner-occupied primary residences.

View official source →

Senior

Senior Citizens Homestead Exemption

$5,000 reduction in EAV for homeowners age 65+ who own and occupy their home and are liable for property tax.

View official source →

Assessment Cap

Senior Freeze (Low-Income Assessment Freeze)

Freezes the EAV at the base year value for qualifying seniors 65+. Maximum income limit raised to $75,000 for assessment year 2026 (payable 2027) per SB 642 (Dec 2025).

View official source →

Veteran

Disabled Veterans Standard Homestead Exemption

Graduated by VA disability rating: $2,500 EAV reduction (30-49%), $5,000 (50-69%), full exemption for 70%+ service-connected disability. Total exemption also available for specific adapted-housing cases.

View official source →

Last verified April 2026. Exemption amounts and eligibility change frequently. Always confirm with your county assessor before claiming.

All 102 counties in Illinois

Effective property tax rate, median home value, and median annual taxes paid for every county in Illinois. Click a county to open its full property tax calculator and closing cost breakdown.

County	Rate	Median home	Median taxes
Adams County	1.58%	$162,600	$2,573
Alexander County	1.81%	$59,800	$1,084
Bond County	1.88%	$145,700	$2,747
Boone County	2.18%	$216,900	$4,735
Brown County	1.52%	$150,300	$2,291
Bureau County	2.01%	$126,900	$2,548
Calhoun County	1.39%	$190,900	$2,644
Carroll County	1.99%	$114,500	$2,277
Cass County	2.02%	$97,100	$1,958
Champaign County	2.06%	$211,500	$4,353
Christian County	1.64%	$115,500	$1,891
Clark County	1.56%	$132,400	$2,064
Clay County	1.43%	$97,400	$1,392
Clinton County	1.83%	$192,400	$3,524
Coles County	1.94%	$127,400	$2,474
Cook County	1.91%	$324,500	$6,191
Crawford County	1.49%	$121,100	$1,806
Cumberland County	1.59%	$126,000	$2,004
De Witt County	1.78%	$130,300	$2,322
DeKalb County	2.45%	$243,600	$5,974
Douglas County	1.70%	$150,400	$2,554
DuPage County	2.05%	$391,400	$8,007
Edgar County	1.45%	$97,300	$1,409
Edwards County	1.45%	$100,000	$1,451
Effingham County	1.49%	$189,500	$2,823
Fayette County	1.45%	$130,700	$1,894
Ford County	2.12%	$122,000	$2,587
Franklin County	1.57%	$89,000	$1,394
Fulton County	2.14%	$107,200	$2,289
Gallatin County	1.57%	$82,900	$1,305
Greene County	1.75%	$95,200	$1,661
Grundy County	1.99%	$271,700	$5,420
Hamilton County	1.33%	$113,700	$1,512
Hancock County	1.81%	$113,800	$2,059
Hardin County	0.96%	$103,800	$1,001
Henderson County	1.58%	$104,400	$1,651
Henry County	1.99%	$151,600	$3,016
Iroquois County	1.82%	$137,800	$2,504
Jackson County	1.84%	$137,300	$2,526
Jasper County	1.95%	$125,500	$2,448
Jefferson County	1.70%	$126,000	$2,148
Jersey County	1.76%	$171,900	$3,020
Jo Daviess County	1.72%	$209,900	$3,613
Johnson County	1.24%	$160,500	$1,992
Kane County	2.26%	$327,000	$7,382
Kankakee County	2.21%	$192,600	$4,266
Kendall County	2.37%	$322,400	$7,651
Knox County	1.96%	$111,900	$2,190
Lake County	2.58%	$345,700	$8,923
LaSalle County	2.11%	$161,900	$3,418
Lawrence County	1.19%	$99,100	$1,174
Lee County	1.97%	$154,600	$3,048
Livingston County	2.04%	$142,200	$2,908
Logan County	1.77%	$134,400	$2,385
Macon County	2.12%	$127,300	$2,696
Macoupin County	1.50%	$138,200	$2,073
Madison County	1.92%	$173,000	$3,319
Marion County	1.71%	$103,000	$1,759
Marshall County	1.94%	$142,800	$2,766
Mason County	2.09%	$103,400	$2,162
Massac County	1.40%	$121,900	$1,704
McDonough County	2.13%	$107,500	$2,285
McHenry County	2.36%	$308,100	$7,274
McLean County	2.17%	$208,400	$4,524
Menard County	1.72%	$185,500	$3,190
Mercer County	1.96%	$146,700	$2,878
Monroe County	1.63%	$282,100	$4,588
Montgomery County	1.68%	$112,300	$1,887
Morgan County	1.76%	$130,800	$2,306
Moultrie County	1.80%	$134,000	$2,414
Ogle County	2.05%	$189,200	$3,889
Peoria County	2.24%	$158,500	$3,552
Perry County	1.60%	$112,600	$1,807
Piatt County	1.81%	$180,600	$3,265
Pike County	1.54%	$101,400	$1,556
Pope County	1.03%	$143,800	$1,477
Pulaski County	1.02%	$85,100	$869
Putnam County	1.57%	$172,700	$2,705
Randolph County	1.43%	$135,100	$1,927
Richland County	1.58%	$112,000	$1,769
Rock Island County	2.28%	$150,400	$3,425
Saline County	1.69%	$94,300	$1,597
Sangamon County	1.99%	$176,300	$3,512
Schuyler County	1.78%	$109,700	$1,950
Scott County	1.50%	$96,400	$1,446
Shelby County	1.50%	$137,100	$2,063
St. Clair County	2.03%	$180,300	$3,665
Stark County	1.69%	$104,500	$1,768
Stephenson County	2.40%	$134,900	$3,240
Tazewell County	2.11%	$167,500	$3,536
Union County	1.30%	$131,700	$1,712
Vermilion County	1.81%	$97,200	$1,757
Wabash County	1.41%	$104,900	$1,475
Warren County	1.81%	$105,000	$1,903
Washington County	1.87%	$155,700	$2,908
Wayne County	1.49%	$110,700	$1,653
White County	1.34%	$108,100	$1,444
Whiteside County	2.04%	$127,100	$2,598
Will County	2.24%	$319,600	$7,173
Williamson County	1.72%	$156,400	$2,690
Winnebago County	2.39%	$164,500	$3,930
Woodford County	2.13%	$197,600	$4,215

Source: US Census Bureau American Community Survey 2024 5-year estimates, tables B25077 (median home value) and B25103 (median real estate taxes paid). Effective rate is computed as median taxes paid divided by median home value at the county level and represents the typical owner-occupied home. Actual bills vary by purchase price, exemptions, and special assessments.