Effingham County Property Taxes
The median property tax rate in Effingham County is 1.69%, which is significantly higher than both the national median of 0.99% and the Illinois state median of 2.35%. With the median home value in Effingham County, the typical annual property tax bill reaches $2,476, which is below the national median of $2,690. Property taxes in Effingham County are calculated based on the tax assessed value, which generally falls below the actual market value due to various property tax exemptions like the primary residence and agricultural exemptions. Understanding Effingham County's specific property tax system, exploring available exemptions, and identifying opportunities for property tax reductions can provide significant annual savings. Whether you live in Effingham or another part of Effingham County, gaining a comprehensive knowledge of local property taxes will benefit both homeowners and real estate investors.
Last Updated June 14, 2024
Effingham County Property Tax Bill Calculator
$100,000
$2,500,000
$5,000,000
Average Tax Rate
2.35%
Estimate Property Tax Bill
$4,700
Ownwell’s Effingham County Property Tax Bill Calculator helps any homeowner, real estate investor, or potential owner to estimate their annual property taxes in Effingham County with just 2 data points. Enter your property's estimated assessed value, and our calculator applies the median tax rate in Effingham County to estimate your property tax bill. This insight helps you understand potential tax liabilities. If you’d like to see trends on a city level, scroll down to navigate to a more local informational page. Your property assessed value is the value assigned to your property by your county for property tax calculations. Assessed value takes into account any exemptions you may have on your property.
Property Tax Rates Across Effingham County, Illinois
Property taxes in Effingham County play a crucial role in funding essential local services like public schools, road maintenance, and emergency services. The median tax rate in Effingham County is 1.69%, which is significantly higher than the U.S. national median of 0.99%. Local government entities within Effingham County set these rates annually, and they can vary significantly between different areas within the county. Each year, Effingham County estimates its required budget to maintain services for the upcoming fiscal year and divides this budget by the total value of all taxable property in the jurisdiction, resulting in the property tax rate. Although tax rates and budgets are influenced by laws and voter input, this calculation forms the basic process for setting property tax rates. For comparison, the city of Effingham has one of the higher property tax rates in Illinois at 1.79%, while the city of Sigel boasts one of the lowest at 1.28%. Analyzing how Effingham County's tax rates stack up against these benchmarks can give homeowners a better understanding of the local tax landscape.
Average Effingham County Tax Rate
1.69%
Average Illinois Tax Rate
2.35%
Average United States Tax Rate
0.99%
Property Tax Rates Across Effingham County, Illinois
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Altamont | 0.50% | 1.14% | 1.50% | 1.75% | 1.93% |
| Beecher City | 0.20% | 1.04% | 1.56% | 1.81% | 2.01% |
| Dieterich | 0.67% | 1.25% | 1.65% | 1.83% | 1.95% |
| Edgewood | 0.64% | 1.04% | 1.66% | 1.95% | 2.24% |
| Effingham | 1.00% | 1.45% | 1.79% | 2.02% | 2.23% |
| Farina | 1.35% | 1.44% | 1.60% | 1.75% | 1.85% |
| Louisville | 1.17% | 1.29% | 1.49% | 1.72% | 1.73% |
| Mason | 0.70% | 1.24% | 1.65% | 1.82% | 2.01% |
| Montrose | 0.24% | 0.93% | 1.52% | 2.06% | 2.18% |
| Saint Elmo | 1.17% | 1.36% | 1.60% | 1.80% | 1.86% |
| Shumway | 0.34% | 0.99% | 1.46% | 1.71% | 1.82% |
| Sigel | 1.09% | 1.16% | 1.28% | 1.40% | 1.47% |
| Teutopolis | 0.73% | 1.32% | 1.55% | 1.73% | 1.84% |
| Watson | 0.23% | 1.13% | 1.49% | 1.61% | 1.93% |
| Wheeler | 0.61% | 1.52% | 1.52% | 1.55% | 1.58% |
Source: Ownwell
Property Tax Assessment Values Across Effingham County, Illinois
In Effingham County, understanding the difference between "market value" and "assessed value" is key to comprehending property taxes. The market value represents the price a willing buyer would pay to a willing seller in an open, competitive market, considering location, property condition, and current economic trends. For tax purposes, this value is estimated by the Effingham County Appraisal District. The assessed value, however, is the market value minus any applicable exemptions or limits based on local laws and available programs. The assessed value is then used to calculate your property taxes by multiplying it by the combined tax rates of all relevant taxing entities. Assessment notices in Effingham County are typically mailed in the spring, usually by the middle of April. These notices provide homeowners with both the market and assessed values, along with an estimate of the annual property tax bill. By distinguishing between these valuation concepts, property owners can better navigate their tax responsibilities and understand how their property taxes are affected. Being aware of these valuation processes in Effingham County will help you identify opportunities for appealing assessments or applying for exemptions to manage your tax burden more effectively. Notably, the city of Sigel has the highest median tax bill at $4,763, while Montrose has the lowest at $1,221.
Property Tax Assessment Values Across Effingham County, Illinois
Source: Ownwell
$80,100
$251,370
$422,640
Average Effingham County Assessed Value
$155,790
Average Illinois Assessed Value
$194,700
Average United States Assessed Value
$244,900
Property Tax Assessment Values Across Effingham County, Illinois
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Altamont | $58,950 | $101,175 | $153,630 | $215,520 | $282,864 |
| Beecher City | $36,090 | $68,745 | $126,705 | $176,392 | $240,300 |
| Dieterich | $60,930 | $95,580 | $155,790 | $212,700 | $285,810 |
| Edgewood | $25,488 | $57,420 | $121,110 | $190,410 | $239,130 |
| Effingham | $70,632 | $100,170 | $150,720 | $217,560 | $304,488 |
| Farina | $177,807 | $178,432 | $179,475 | $180,518 | $181,143 |
| Louisville | $147,762 | $181,800 | $208,500 | $233,190 | $273,006 |
| Mason | $55,398 | $91,455 | $142,110 | $209,880 | $271,938 |
| Montrose | $28,200 | $50,220 | $80,100 | $120,150 | $193,206 |
| Saint Elmo | $96,222 | $107,558 | $178,065 | $212,325 | $257,955 |
| Shumway | $70,230 | $112,395 | $169,230 | $235,590 | $326,010 |
| Sigel | $210,384 | $289,980 | $422,640 | $555,300 | $634,896 |
| Teutopolis | $112,746 | $151,462 | $203,910 | $278,040 | $357,483 |
| Watson | $55,716 | $91,170 | $161,520 | $219,885 | $275,910 |
| Wheeler | $81,195 | $101,842 | $162,450 | $254,670 | $334,380 |
Source: Ownwell
Property Tax Bills Across Effingham County, Illinois
In Effingham County, IL, property tax bills are calculated based on the assessed value of a property, which is typically a percentage of its market value. For instance, with a median home price of $155,790, the assessed value will determine the tax bill. Tax rates are then applied to the assessed value to calculate the final bill. Factors such as local government budgets, school funding, and public services influence the tax rate. Homeowners in Effingham County experience a range of tax bills. At the 25th percentile, the tax bill is around $1,458, while at the 75th percentile, it rises to $3,736. The 90th percentile sees tax bills as high as $5,316. Comparatively, the national median property tax rate is 0.99%, giving context to local rates. Within the county, SIGEL has the highest median tax bill at $4,763, while MONTROSE has the lowest at $1,221. These variations affect homeowners differently, influencing their overall financial planning and housing affordability.
Average Effingham County Tax Bill
$2,476
Average Illinois Tax Bill
$4,715
Average United States Tax Bill
$2,690
Property Tax Bills Across Effingham County, Illinois
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Altamont | $354 | $1,028 | $2,076 | $3,142 | $4,714 |
| Beecher City | $101 | $605 | $1,755 | $2,765 | $3,621 |
| Dieterich | $413 | $1,153 | $2,284 | $3,558 | $4,611 |
| Edgewood | $261 | $687 | $1,481 | $3,263 | $4,265 |
| Effingham | $941 | $1,551 | $2,520 | $3,807 | $5,423 |
| Farina | $2,436 | $2,594 | $2,858 | $3,122 | $3,281 |
| Louisville | $2,243 | $2,351 | $3,116 | $3,282 | $3,720 |
| Mason | $545 | $1,212 | $2,189 | $3,441 | $4,692 |
| Montrose | $78 | $429 | $1,221 | $2,010 | $2,869 |
| Saint Elmo | $1,043 | $1,703 | $2,875 | $3,284 | $4,158 |
| Shumway | $256 | $1,217 | $2,101 | $3,472 | $4,954 |
| Sigel | $2,869 | $3,579 | $4,763 | $5,946 | $6,657 |
| Teutopolis | $846 | $1,889 | $2,908 | $4,212 | $5,678 |
| Watson | $170 | $909 | $1,924 | $3,008 | $4,177 |
| Wheeler | $595 | $1,488 | $1,822 | $3,255 | $3,772 |
Source: Ownwell