Elizabeth, Jo Daviess County, Illinois Property Taxes

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Property Taxes in Elizabeth, Illinois

Median Elizabeth, Illinois effective property tax rate: 2.17%, significantly higher than the national median of 1.02%, and lower than the Illinois state median of 2.33%.
Median Elizabeth, Illinois home value: $147,123
Median annual Elizabeth, Illinois tax bill: $3,192, $792 higher than the national median property tax bill of $2,400.

How are property taxes in Jo Daviess calculated?

Property taxes in Elizabeth, Illinois 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 Elizabeth's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Elizabeth, knowing local tax details benefits homeowners and investors.

Last Updated April 13, 2026

Elizabeth, Jo Daviess County, Illinois Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

2.17%

Estimate Property Tax Bill

$3,193

$2,963

How Does the Elizabeth Property Tax Calculator Work?

Use this Elizabeth property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Elizabeth's median effective tax rate of 2.17% — based on actual property records in Jo Daviess County — to generate your estimate.

Enter your property's estimated assessed value — the figure the local assessment office uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Elizabeth's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.

Your bill may vary by ZIP code within Elizabeth: rates range from 2.17% in 61028 to 2.17% in 61028, primarily due to differences in school district levies and local assessment districts.

For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Elizabeth.

About Elizabeth Property Taxes

About Property Taxes in Elizabeth, Jo Daviess, Illinois

Elizabeth’s median effective property tax rate of 2.17% is lower than the Illinois state median of 2.33% and higher than the national median of 1.02%. This rate reflects the Jo Daviess County base levy combined with local school district levies and Special service areas (SSAs) that vary by subdivision throughout the city.

Property tax rates are not uniform across Elizabeth. Homeowners in the 61028 ZIP code carry a median effective rate of 2.17%, while those in the same ZIP also pay 2.17%. This spread — 0 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Jo Daviess County. Understanding which part of Elizabeth you live in can make a meaningful difference to your annual tax bill.

Elizabeth homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the October 17, 2025 deadline each year.

If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.

Property Tax Rates Across Elizabeth, Jo Daviess County, Illinois

As noted earlier, local government entities set tax rates, which can vary widely within a state.

Why? Because 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 Elizabeth's effective property tax rate to other cities in Illinois and the median property tax rates in Illinois and the U.S.

Property Tax Rates Across Elizabeth, Jo Daviess County, Illinois

Source: Ownwell

1.80%

2.35%

2.91%

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 Elizabeth Tax Rate

2.17%

Median Effective Jo Daviess County Tax Rate

2.07%

Median Effective Illinois Tax Rate

2.33%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Elizabeth, Jo Daviess County, Illinois

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
61028	2.17%	2.17%	2.17%	2.17%	2.17%

Source: Ownwell

Property Tax Assessment Values Across Elizabeth, Jo Daviess County, Illinois

When examining property taxes in Elizabeth, Illinois, 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:

In Jo Daviess County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month when notices are sent.

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 Elizabeth.

For example, the median home price in Elizabeth is $147,123, with tax bills ranging significantly across the county. 61028 has the highest median home price at $147,123.

Property Tax Assessment Values Across Elizabeth, Jo Daviess County, Illinois

Source: Ownwell

$40,446

$142,838

$245,229

Median Elizabeth Market Value

$147,123

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 Elizabeth, Jo Daviess County, Illinois

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
61028	$69,310	$97,726	$147,123	$195,986	$255,330

Source: Ownwell

Property Tax Bills Across Elizabeth, Jo Daviess County, Illinois

Elizabeth property tax bills are based on the assessed value of a home and the local tax rate set for Jo Daviess County. When a property’s market value changes, the assessed value may also change, which can raise or lower the bill. Local taxing bodies, including schools and other public services, help determine how much homeowners owe.

For Elizabeth homeowners, the median home price is $147,123, and the median property tax bill is $3,192, which is above the national median property tax bill of $2,400 and the national median property tax rate of 1.02%. Bills can vary widely, with the 25th percentile at $1,966 and the 75th percentile at $4,252. At the 90th percentile, the bill reaches $5,540.

This means two homes on the same street can have very different tax bills depending on assessed value and local levies. For homeowners, that can affect monthly housing costs and long-term affordability.

Property Tax Bills Across Elizabeth, Jo Daviess County, Illinois

Source: Ownwell

$992

$2,904

$4,816

Median Elizabeth Tax Bill

$3,192

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 Elizabeth, Jo Daviess County, Illinois

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
61028	$1,504	$1,966	$3,192	$4,252	$5,540

Source: Ownwell

Don't miss the deadline to appeal!

Dates
Appeal Deadline	October 17

Links
Jo Daviess Tax Assessor
Website	jodaviessil.devnetwedge.com

Frequently Asked Property Tax Questions in Elizabeth, Illinois

How are property taxes calculated in Elizabeth, Illinois?

Property taxes in Elizabeth, Illinois are calculated by multiplying your property's assessed value by the applicable tax rate set by local taxing authorities. The assessed value is determined by the county assessor and may differ from your property's market value depending on local assessment ratios and exemptions.

How do I appeal my property taxes in Elizabeth, Illinois?

To appeal your property taxes in Elizabeth, Illinois, you typically need to file a formal protest or appeal with your local appraisal district or assessor's office by the stated deadline. You'll need evidence such as comparable sales, a recent independent appraisal, or documentation of property condition issues. Ownwell can handle this entire process for you.

What property tax exemptions are available in Elizabeth, Illinois?

Common property tax exemptions in Elizabeth, Illinois include homestead exemptions for primary residences, senior citizen exemptions, veteran exemptions, and disability exemptions. Exemption amounts and eligibility requirements vary by county. Contact your local appraisal district or check Ownwell for details specific to your property.

When are property taxes due in Elizabeth, Illinois?

Property tax deadlines in Elizabeth, Illinois vary by county but typically include an assessment notice period in spring or early summer, followed by an appeal deadline, and a tax payment due date in the fall or winter. Check with your county assessor's office for specific dates in your area.

How can Ownwell help reduce my property taxes in Elizabeth, Illinois?

Ownwell provides professional property tax appeal services in Elizabeth, Illinois. Our team analyzes your assessment, gathers evidence, files all paperwork, and represents you at hearings — all with no upfront cost. You only pay a percentage of your savings if we successfully lower your tax bill.