Champaign County, Illinois Property Taxes
Median Champaign County effective property tax rate: 2.54%, significantly higher than the national median of 1.02%. Median Champaign County home value: $152,850. Median annual Champaign County tax bill: $3,816, $1,416 higher than the national median property tax bill of $2,400.
How are property taxes in Champaign County calculated?
Property taxes in Champaign County are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding your county's property tax system, exemptions, and reduction opportunities can lead to significant savings. Whether you live in Urbana or another part of Champaign County, knowing local tax details benefits homeowners and investors.
Last Updated March 1, 2025
Champaign County, Illinois Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
2.54%
Estimate Property Tax Bill
$3,882
$3,603
Ownwell’s Champaign County Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in Champaign County with just two data points. By entering your property's estimated assessed value, our calculator applies Champaign County’s median effective tax rate to accurately estimate your property tax bill. Note that your property's assessed value — determined by your county — reflects any exemptions you may have, ensuring a more precise calculation for your property tax obligations. This insightful tool helps you understand potential tax liabilities and highlights how Ownwell can assist in reducing property taxes in Champaign County. For those interested in more localized information, please scroll down to explore city-level trends!
Property Tax Rates Across Champaign County, Illinois
Local government entities set tax rates, which can vary widely within a state. Annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate. While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process. Below, you can compare Champaign County's effective property tax rate to other counties in Illinois or the U.S. median property tax rate. Champaign County, with a median property tax rate of 2.54%, significantly exceeds the national median of 1.02%. Among the cities in the county, Urbana stands out with the highest median tax rate of 3.02%, while Pesotum offers a more favorable rate at 1.72%. This stark contrast within the same county highlights the importance of understanding local tax dynamics. Such variations can impact your property tax bills and overall financial planning. By staying informed and considering professional property tax appeal services, you can potentially reduce your property tax burden.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Champaign County Taxx Rate
2.54%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Illinois Taxx Rate
2.35%
Median Effective United States Tax Rate
0.99%
Property Tax Rates Across Champaign County, Illinois
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Allerton | N/A | N/A | N/A | N/A | N/A |
| Bondville | 1.30% | 2.00% | 2.18% | 2.36% | 2.60% |
| Broadlands | 1.47% | 1.86% | 2.09% | 2.40% | 2.51% |
| Champaign | 2.10% | 2.39% | 2.68% | 2.88% | 3.07% |
| Dewey | 1.79% | 2.01% | 2.17% | 2.28% | 2.40% |
| Fisher | 1.67% | 1.94% | 2.09% | 2.21% | 2.40% |
| Foosland | 1.21% | 1.88% | 2.11% | 2.44% | 2.81% |
| Gibson City | N/A | N/A | N/A | N/A | N/A |
| Gifford | 1.63% | 2.02% | 2.23% | 2.39% | 2.62% |
| Homer | 1.53% | 1.99% | 2.22% | 2.37% | 2.73% |
| Ivesdale | 1.55% | 1.96% | 2.30% | 2.56% | 2.85% |
| Longview | 0.67% | 1.67% | 2.17% | 2.74% | 2.78% |
| Ludlow | 1.25% | 1.88% | 2.42% | 2.72% | 2.76% |
| Mahomet | 2.02% | 2.18% | 2.39% | 2.51% | 2.60% |
| Mansfield | N/A | N/A | N/A | N/A | N/A |
| Monticello | N/A | N/A | N/A | N/A | N/A |
| Ogden | 1.87% | 2.12% | 2.27% | 2.36% | 2.63% |
| Paxton | 1.91% | 2.01% | 2.22% | 2.45% | 2.61% |
| Penfield | 1.40% | 1.82% | 2.12% | 2.41% | 2.45% |
| Pesotum | 1.44% | 1.64% | 1.72% | 1.83% | 2.07% |
| Philo | 1.57% | 1.74% | 1.87% | 1.95% | 2.12% |
| Rankin | N/A | N/A | N/A | N/A | N/A |
| Rantoul | 1.77% | 2.29% | 2.75% | 3.18% | 3.52% |
| Royal | 1.78% | 1.96% | 2.13% | 2.22% | 2.45% |
| Sadorus | 1.41% | 1.64% | 1.85% | 2.16% | 2.18% |
| Saint Joseph | 1.85% | 2.04% | 2.18% | 2.27% | 2.40% |
| Savoy | 2.15% | 2.30% | 2.42% | 2.54% | 2.65% |
| Seymour | 1.78% | 1.94% | 2.13% | 2.28% | 2.34% |
| Sidney | 1.38% | 1.62% | 1.76% | 1.87% | 1.98% |
| Thomasboro | 1.27% | 1.88% | 2.16% | 2.36% | 2.72% |
| Tolono | 1.49% | 1.76% | 1.90% | 2.01% | 2.18% |
| Tuscola | N/A | N/A | N/A | N/A | N/A |
| Urbana | 2.08% | 2.59% | 3.02% | 3.31% | 3.61% |
| Villa Grove | 1.69% | 1.96% | 2.09% | 2.17% | 2.31% |
| White Heath | 1.82% | 1.84% | 1.88% | 2.00% | 2.15% |
Source: Ownwell
Property Tax Assessment Values Across Champaign County, Illinois
When examining property taxes in Champaign County, understanding the distinction between "market value" and "assessed value" is crucial. The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Champaign County appraisal district estimates the market value for tax purposes. The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax-assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill. Assessment notices: In Champaign County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of April. Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Champaign County. For example, the median tax bill in Champaign County is $2,373, with tax bills ranging significantly across the county. Savoy has the highest median home price at $243,120.
Property Tax Assessment Values Across Champaign County, Illinois
Source: Ownwell
$64,275
$153,698
$243,120
Median Champaign County Assessed Value
$152,850
Median Illinois Assessed Value
$194,700
Median United States Assessed Value
$244,900
Property Tax Assessment Values Across Champaign County, Illinois
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Allerton | N/A | N/A | N/A | N/A | N/A |
| Bondville | $79,116 | $93,960 | $119,310 | $145,230 | $169,392 |
| Broadlands | $51,306 | $74,130 | $100,770 | $155,010 | $231,708 |
| Champaign | $65,706 | $105,090 | $155,250 | $225,428 | $325,950 |
| Dewey | $72,192 | $124,440 | $207,300 | $304,695 | $378,009 |
| Fisher | $82,212 | $110,355 | $145,830 | $200,250 | $245,454 |
| Foosland | $17,544 | $48,450 | $112,200 | $187,830 | $294,192 |
| Gibson City | N/A | N/A | N/A | N/A | N/A |
| Gifford | $67,512 | $105,990 | $151,710 | $204,540 | $254,262 |
| Homer | $53,706 | $86,408 | $116,100 | $168,788 | $273,591 |
| Ivesdale | $56,511 | $83,220 | $113,040 | $161,085 | $205,836 |
| Longview | $15,333 | $38,422 | $64,275 | $146,962 | $199,857 |
| Ludlow | $22,887 | $42,308 | $68,730 | $108,232 | $172,374 |
| Mahomet | $137,424 | $172,568 | $226,785 | $312,022 | $407,946 |
| Mansfield | N/A | N/A | N/A | N/A | N/A |
| Monticello | N/A | N/A | N/A | N/A | N/A |
| Ogden | $85,380 | $118,695 | $147,870 | $197,790 | $278,190 |
| Paxton | $72,315 | $104,542 | $138,585 | $195,202 | $243,420 |
| Penfield | $39,747 | $73,590 | $108,525 | $182,438 | $267,129 |
| Pesotum | $88,953 | $110,700 | $139,395 | $178,860 | $219,168 |
| Philo | $95,460 | $136,110 | $176,580 | $232,500 | $296,352 |
| Rankin | N/A | N/A | N/A | N/A | N/A |
| Rantoul | $39,780 | $55,222 | $82,935 | $119,670 | $158,430 |
| Royal | $77,127 | $118,545 | $147,300 | $189,562 | $237,294 |
| Sadorus | $39,282 | $78,390 | $116,880 | $168,300 | $235,620 |
| Saint Joseph | $111,030 | $148,942 | $190,740 | $234,735 | $297,030 |
| Savoy | $133,740 | $173,670 | $243,120 | $307,620 | $382,254 |
| Seymour | $75,843 | $103,598 | $174,030 | $275,738 | $354,015 |
| Sidney | $63,225 | $115,590 | $159,405 | $203,288 | $261,924 |
| Thomasboro | $43,608 | $69,795 | $91,320 | $123,915 | $154,104 |
| Tolono | $88,080 | $117,712 | $159,015 | $223,718 | $272,037 |
| Tuscola | N/A | N/A | N/A | N/A | N/A |
| Urbana | $52,968 | $82,380 | $130,950 | $187,350 | $260,874 |
| Villa Grove | $91,044 | $136,260 | $148,110 | $213,120 | $258,636 |
| White Heath | $176,400 | $200,670 | $224,970 | $269,070 | $466,320 |
Source: Ownwell
Property Tax Bills Across Champaign County, Illinois
In Champaign County, IL, property tax bills are calculated based on the assessed value of a home, which is typically a percentage of its market value. The county's median home price is $152,850. Homeowners can expect to pay property taxes that vary significantly across the county. For instance, the 25th percentile tax bill is $2,373, while the 75th percentile reaches $5,680. At the 90th percentile, tax bills can soar to $8,251, indicating a wide range in property tax obligations depending on property value and location within the county. The highest median tax bill in the area is found in Savoy at $5,778, whereas Longview offers a more affordable option with a median tax bill of $1,191. Comparatively, the national median property tax rate is 1.02%, with a median bill of $2,400. These figures highlight how property taxes in Champaign County can significantly impact homeowners, with some areas imposing higher tax burdens than others, potentially influencing decisions on homeownership and property investment.
Median Champaign County Tax Bill
$3,816
Median Illinois Tax Bill
$4,715
Median United States Tax Bill
$2,690
Property Tax Bills Across Champaign County, Illinois
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Allerton | N/A | N/A | N/A | N/A | N/A |
| Bondville | $888 | $1,900 | $2,451 | $3,253 | $3,879 |
| Broadlands | $719 | $1,308 | $2,053 | $3,301 | $5,373 |
| Champaign | $1,542 | $2,613 | $4,071 | $5,970 | $8,986 |
| Dewey | $1,277 | $2,440 | $4,321 | $6,566 | $8,343 |
| Fisher | $1,471 | $2,148 | $2,980 | $4,247 | $5,353 |
| Foosland | $361 | $811 | $2,153 | $4,074 | $6,555 |
| Gibson City | N/A | N/A | N/A | N/A | N/A |
| Gifford | $1,191 | $2,137 | $3,183 | $4,601 | $5,780 |
| Homer | $870 | $1,670 | $2,508 | $3,768 | $6,086 |
| Ivesdale | $774 | $1,737 | $2,399 | $3,652 | $5,049 |
| Longview | $144 | $479 | $1,191 | $2,798 | $4,243 |
| Ludlow | $411 | $827 | $1,446 | $2,417 | $4,222 |
| Mahomet | $2,874 | $3,863 | $5,299 | $7,510 | $10,117 |
| Mansfield | N/A | N/A | N/A | N/A | N/A |
| Monticello | N/A | N/A | N/A | N/A | N/A |
| Ogden | $1,689 | $2,491 | $3,214 | $4,495 | $6,308 |
| Paxton | $1,309 | $2,042 | $3,314 | $4,597 | $6,040 |
| Penfield | $593 | $1,233 | $2,237 | $3,729 | $6,133 |
| Pesotum | $1,261 | $1,754 | $2,332 | $3,077 | $4,167 |
| Philo | $1,575 | $2,309 | $3,239 | $4,363 | $5,703 |
| Rankin | N/A | N/A | N/A | N/A | N/A |
| Rantoul | $853 | $1,396 | $2,188 | $3,359 | $4,470 |
| Royal | $1,705 | $2,294 | $3,084 | $4,188 | $5,241 |
| Sadorus | $487 | $1,286 | $2,088 | $3,059 | $4,573 |
| Saint Joseph | $2,098 | $2,956 | $4,023 | $5,144 | $6,690 |
| Savoy | $2,925 | $3,989 | $5,778 | $7,554 | $9,819 |
| Seymour | $1,303 | $2,025 | $3,639 | $6,062 | $7,893 |
| Sidney | $884 | $1,792 | $2,773 | $3,682 | $4,769 |
| Thomasboro | $634 | $1,282 | $1,943 | $2,756 | $3,531 |
| Tolono | $1,312 | $2,060 | $2,927 | $4,317 | $5,390 |
| Tuscola | N/A | N/A | N/A | N/A | N/A |
| Urbana | $1,145 | $2,250 | $3,826 | $5,784 | $7,981 |
| Villa Grove | $1,113 | $1,926 | $3,327 | $4,277 | $5,381 |
| White Heath | $3,642 | $3,839 | $4,147 | $5,128 | $10,850 |
Source: Ownwell