Jo Daviess County, Illinois Property Taxes
Property Taxes in Jo Daviess County, Illinois
Median Jo Daviess County effective property tax rate: 2.07%, significantly higher than the national median of 1.02%.
Median Jo Daviess County home value: $193,008
Median annual Jo Daviess County tax bill: $4,046, higher than the national median property tax bill of $2,400.
How are property taxes in Jo Daviess County calculated?
Property taxes in Jo Daviess 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 Jo Daviess County or another part of Jo Daviess County, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Jo Daviess County, Illinois Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
2.07%
Estimate Property Tax Bill
$3,995
$3,707
How Does the Jo Daviess County Property Tax Calculator Work?
Use this Jo Daviess County property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Jo Daviess County's median effective tax rate of 2.07% 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.
Jo Daviess County's median tax rate is higher than Illinois's 2.33% median tax rate, and the county's median tax bill of $4,046 is $1,646 higher than the state median bill. Bills also vary by location, from $4,816 in Apple River to $992 in Warren. For a more precise estimate, scroll down to explore city and ZIP code-level tax rate trends across Jo Daviess County.
Property Tax Rates Across Jo Daviess County, Illinois
What Are Effective Property Tax Rates Across Jo Daviess County?
Local government entities set tax rates, which vary widely across Jo Daviess 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 Jo Daviess County's effective property tax rate to other counties in Illinois or the U.S. median of 1.02%.
Jo Daviess County's median effective rate stands at 2.07%, which is higher than the national median of 1.02%. Within Jo Daviess County, the highest rate is found in Warren at 2.91%, while Galena has the lowest at 1.80%.
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 Jo Daviess County Tax Rate
2.07%
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 Jo Daviess County, Illinois
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Apple River | 1.83% | 1.83% | 2.07% | 2.13% | 2.23% |
| East Dubuque | 2.10% | 2.10% | 2.32% | 2.37% | 2.37% |
| Elizabeth | 2.17% | 2.17% | 2.17% | 2.17% | 2.17% |
| Galena | 1.70% | 1.77% | 1.80% | 2.30% | 2.57% |
| Hanover | 2.74% | 2.74% | 2.74% | 2.74% | 2.74% |
| Stockton | 2.43% | 2.72% | 2.72% | 2.72% | 2.72% |
| Warren | 2.53% | 2.91% | 2.91% | 2.91% | 2.91% |
| Nora | N/A | N/A | N/A | N/A | N/A |
| Scales Mound | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Jo Daviess County, Illinois
When examining property taxes in Jo Daviess 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 Jo Daviess County assessment office 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 are sent in the spring each year and 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. The median tax bill in Jo Daviess County is $4,046, compared with the national median property tax bill of $2,400. Tax bills range significantly across the county, with Apple River at the highest median home price of $245,229.
Property Tax Assessment Values Across Jo Daviess County, Illinois
Source: Ownwell
$40,446
$142,838
$245,229
Median Jo Daviess County Market Value
$193,008
Median Illinois Market Value
$227,888
Median United States Market Value
$235,294
Property Tax Assessment Values Across Jo Daviess County, Illinois
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Apple River | $136,338 | $223,550 | $245,229 | $390,620 | $547,272 |
| East Dubuque | $31,253 | $65,260 | $93,693 | $158,734 | $235,555 |
| Elizabeth | $69,310 | $97,726 | $147,123 | $195,986 | $255,330 |
| Galena | $92,406 | $154,203 | $228,786 | $306,647 | $439,847 |
| Hanover | $22,689 | $31,905 | $41,475 | $75,012 | $98,532 |
| Stockton | $24,314 | $49,376 | $96,330 | $121,138 | $172,532 |
| Warren | $9,678 | $13,548 | $40,446 | $76,344 | $87,627 |
| Nora | N/A | N/A | N/A | N/A | N/A |
| Scales Mound | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Jo Daviess County, Illinois
Property tax bills in Jo Daviess County are based on the assessed value of a home, not its market price alone. Local taxing authorities apply their tax rates to that assessed value, and the final bill reflects the mix of county, municipal, school, and other local levies. When assessments rise or local rates increase, homeowners can see higher bills even if they have not made changes to the property.
For a home with a median price of $193,008, the tax burden can vary widely across the county. The 25th percentile tax bill is $2,478, while the 75th percentile is $5,744 and the 90th percentile reaches $8,316. That spread shows how much location and local taxing districts can affect what homeowners pay. The highest median tax bill is $4,816 in Apple River, while the lowest median tax bill is $992 in Warren. For many homeowners, property taxes are one of the largest recurring housing costs, so even small assessment changes can have a meaningful impact on affordability.
Median Jo Daviess County Tax Bill
$4,046
Median Illinois Tax Bill
$5,277
Median United States Tax Bill
$2,400
Property Tax Bills Across Jo Daviess County, Illinois
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Apple River | $2,816 | $3,848 | $4,816 | $7,332 | $11,823 |
| East Dubuque | $546 | $1,394 | $2,146 | $3,614 | $4,977 |
| Elizabeth | $1,504 | $1,966 | $3,192 | $4,252 | $5,540 |
| Galena | $1,803 | $2,839 | $4,217 | $6,224 | $8,439 |
| Hanover | $622 | $874 | $1,136 | $1,939 | $2,699 |
| Stockton | $659 | $1,319 | $2,572 | $3,299 | $4,239 |
| Warren | $282 | $395 | $992 | $2,223 | $2,552 |
| Nora | N/A | N/A | N/A | N/A | N/A |
| Scales Mound | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | October 17 |
Links | |
|---|---|
| Jo Daviess Tax Assessor | |
| Website | jodaviessil.devnetwedge.com |