Effingham County, Illinois Property Taxes
Property Taxes in Effingham County, Illinois
Median Effingham County effective property tax rate: 1.88%, significantly higher than the national median of 1.02%.
Median Effingham County home value: $171,690
Median annual Effingham County tax bill: $3,031, higher than the national median property tax bill of $2,400.
How are property taxes in Effingham County calculated?
Property taxes in Effingham 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 Effingham County or another part of Effingham County, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Effingham County, Illinois Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.88%
Estimate Property Tax Bill
$3,228
$2,995
How Does the Effingham County Property Tax Calculator Work?
Use this Effingham County property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Effingham County's median effective tax rate of 1.88% to generate your estimate.
Enter your property's estimated assessed value — the figure used for tax purposes, which is typically lower than market value after applicable exemptions. Our calculator uses the median effective rate for a more accurate estimate than the statutory millage rate alone.
Your actual bill may vary based on your specific exemptions, local school district levies, and any special assessment districts that apply to your property. Effingham County’s median tax rate is higher than Illinois’s 2.33% state median tax rate, and the county’s median tax bill of $3,031 is $631 higher than the state median bill.
For a more precise estimate, scroll down to explore city and ZIP code-level tax rate trends across Effingham County.
Property Tax Rates Across Effingham County, Illinois
What Are Effective Property Tax Rates Across Effingham County?
Local government entities set tax rates, which vary widely across Effingham County. Each year, the county estimates its budget for public services and divides that total by the assessed value of all taxable property within its jurisdiction.
Below, compare Effingham County's effective property tax rate to other counties in Illinois or the U.S. median of 1.02%.
Effingham County's median effective rate stands at 1.88%, which is higher than the national median of 1.02%. Within Effingham County, the highest rate is found in Dieterich at 2.04%, while Watson has the lowest at 1.68%.
These variations reflect differences in local school district levies, Special service areas (SSAs) assessments, and special district bonds — which compound the base county rate.
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 Effingham County Tax Rate
1.88%
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 Tax Rate
2.33%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Effingham County, Illinois
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Altamont | 1.17% | 1.64% | 1.87% | 2.05% | 2.15% |
| Beecher City | 0.92% | 1.62% | 1.82% | 1.98% | 2.15% |
| Dieterich | 1.19% | 1.76% | 2.04% | 2.26% | 2.34% |
| Edgewood | 1.12% | 1.50% | 1.98% | 2.23% | 2.29% |
| Effingham | 1.27% | 1.65% | 1.91% | 2.10% | 2.27% |
| Mason | 1.10% | 1.63% | 1.87% | 2.04% | 2.20% |
| Montrose | 1.13% | 1.53% | 2.01% | 2.40% | 2.40% |
| Shumway | 1.11% | 1.56% | 1.80% | 1.88% | 2.01% |
| Teutopolis | 1.09% | 1.57% | 1.75% | 1.90% | 1.96% |
| Watson | 0.72% | 1.39% | 1.68% | 1.81% | 2.01% |
| Farina | N/A | N/A | N/A | N/A | N/A |
| Louisville | N/A | N/A | N/A | N/A | N/A |
| Saint Elmo | N/A | N/A | N/A | N/A | N/A |
| Sigel | N/A | N/A | N/A | N/A | N/A |
| Wheeler | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Effingham County, Illinois
When examining property taxes in Effingham 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 Effingham 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 Effingham County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of May.
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 Effingham County.
For example, the median tax bill in Effingham County is $3,031, with tax bills ranging significantly across the county. Teutopolis has the highest median home price at $226,110.
Property Tax Assessment Values Across Effingham County, Illinois
Source: Ownwell
$92,895
$159,503
$226,110
Median Effingham County Market Value
$171,690
Median Illinois Market Value
$227,888
Median United States Market Value
$235,294
Property Tax Assessment Values Across Effingham County, Illinois
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Altamont | $70,710 | $113,220 | $170,160 | $240,720 | $317,130 |
| Beecher City | $40,209 | $76,582 | $146,175 | $201,750 | $283,221 |
| Dieterich | $65,244 | $106,305 | $172,980 | $233,985 | $310,728 |
| Edgewood | $27,180 | $62,115 | $130,680 | $207,480 | $260,700 |
| Effingham | $77,778 | $110,610 | $164,880 | $237,345 | $332,760 |
| Mason | $63,618 | $102,735 | $159,780 | $237,900 | $316,122 |
| Montrose | $28,980 | $55,515 | $92,895 | $139,492 | $216,345 |
| Shumway | $75,090 | $126,555 | $191,220 | $259,080 | $355,500 |
| Teutopolis | $126,450 | $168,525 | $226,110 | $306,120 | $403,800 |
| Watson | $63,114 | $97,980 | $177,540 | $242,220 | $308,598 |
| Farina | N/A | N/A | N/A | N/A | N/A |
| Louisville | N/A | N/A | N/A | N/A | N/A |
| Saint Elmo | N/A | N/A | N/A | N/A | N/A |
| Sigel | N/A | N/A | N/A | N/A | N/A |
| Wheeler | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Effingham County, Illinois
Property tax bills in Effingham County are based on a home’s assessed value and the local tax rate, not the market price alone. Local assessors determine the assessed value, then taxing authorities apply their rates to calculate the final bill. For homeowners, that means a higher assessed value usually leads to a higher tax bill, while a lower assessed value can reduce what is owed.
The county’s median home price is $171,690, and property tax bills vary widely across the area. The 25th percentile tax bill is $1,895, while the 75th percentile is $4,570 and the 90th percentile reaches $6,506. That spread shows how much location, home characteristics, and assessment differences can affect taxes. In Teutopolis, the highest median tax bill is $3,694.00, while Montrose has the lowest median tax bill at $1,529.00. For many homeowners, understanding how property taxes are calculated is the first step to spotting whether a bill seems too high.
Median Effingham County Tax Bill
$3,031
Median Illinois Tax Bill
$5,277
Median United States Tax Bill
$2,400
Property Tax Bills Across Effingham County, Illinois
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Altamont | $1,034 | $1,841 | $2,958 | $4,408 | $6,044 |
| Beecher City | $425 | $985 | $2,523 | $3,629 | $4,935 |
| Dieterich | $922 | $1,816 | $3,426 | $4,831 | $6,437 |
| Edgewood | $453 | $1,108 | $2,470 | $3,900 | $5,560 |
| Effingham | $1,270 | $1,895 | $2,963 | $4,468 | $6,446 |
| Mason | $740 | $1,739 | $2,872 | $4,444 | $6,097 |
| Montrose | $381 | $894 | $1,529 | $2,739 | $3,905 |
| Shumway | $1,173 | $1,673 | $2,952 | $4,898 | $6,504 |
| Teutopolis | $1,594 | $2,505 | $3,694 | $5,421 | $7,204 |
| Watson | $632 | $1,293 | $2,423 | $3,766 | $5,347 |
| Farina | N/A | N/A | N/A | N/A | N/A |
| Louisville | N/A | N/A | N/A | N/A | N/A |
| Saint Elmo | N/A | N/A | N/A | N/A | N/A |
| Sigel | N/A | N/A | N/A | N/A | N/A |
| Wheeler | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | July 1 |
Links | |
|---|---|
| Effingham Tax Assessor | |
| Website | effinghamil.devnetwedge.com |
Frequently Asked Property Tax Questions in Effingham County, Illinois
How are property taxes calculated in Effingham County, Illinois?
How do I appeal my property taxes in Effingham County, Illinois?
What property tax exemptions are available in Effingham County, Illinois?
When are property taxes due in Effingham County, Illinois?
How can Ownwell help reduce my property taxes in Effingham County, Illinois?
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