Galena, Jo Daviess County, Illinois Property Taxes
Property Taxes in Galena, Illinois
Median Galena, Illinois effective property tax rate: 1.80%, significantly lower than the national median of 1.02%, and lower than the Illinois state median of 2.33%.
Median Galena, Illinois home value: $228,786
Median annual Galena, Illinois tax bill: $4,217, higher by $1,817 than the national median property tax bill of $2,400.
How are property taxes in Jo Daviess calculated?
Property taxes in Galena, 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 Galena's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Galena, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Galena, Jo Daviess County, Illinois Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.8%
Estimate Property Tax Bill
$4,118
$3,822
How Does the Galena Property Tax Calculator Work?
Use this Galena property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Galena's median effective tax rate of 1.80% — 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 process uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Galena'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 Galena: rates range from 1.80% in 61036 to 1.80% in 61036, 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 Galena.
About Galena Property Taxes
About Property Taxes in Galena, Jo Daviess, Illinois
Galena's median effective property tax rate of 1.80% 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 Galena. Homeowners in the 61036 ZIP code carry a median effective rate of 1.80%, while those in the same ZIP also pay 1.80%. This reflects how school district boundaries and local assessment districts are drawn across Jo Daviess County. Understanding which part of Galena you live in can make a meaningful difference to your annual tax bill.
Galena 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 Galena, 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 Galena's effective property tax rate to other cities in Illinois and the median property tax rates in Illinois and the U.S.
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 Galena Tax Rate
1.80%
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%
Median Effective Illinois Tax Rate
2.33%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Galena, Jo Daviess County, Illinois
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 61036 | 1.70% | 1.77% | 1.80% | 2.30% | 2.57% |
Source: Ownwell
Property Tax Assessment Values Across Galena, Jo Daviess County, Illinois
When examining property taxes in Galena, 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 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 Galena.
For example, the median home price in Galena is $228,786, with tax bills ranging significantly across the county. 61036 has the highest median home price at $228,786.
Property Tax Assessment Values Across Galena, Jo Daviess County, Illinois
Source: Ownwell
$40,446
$142,838
$245,229
Median Galena Market Value
$228,786
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 Galena, Jo Daviess County, Illinois
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 61036 | $92,406 | $154,203 | $228,786 | $306,647 | $439,847 |
Source: Ownwell
Property Tax Bills Across Galena, Jo Daviess County, Illinois
Property tax bills in Galena are calculated by applying the local tax rate to a home’s assessed value, which is based on the market value of the property. That means the bill depends on both how much the home is worth and the tax rates set by local taxing authorities.
For homeowners, this can lead to a wide range of annual bills. The median home price is $228,786, and the median property tax bill is $4,217 in ZIP code 61036. That figure is well above the national median property tax bill of $2,400, showing that property taxes in Galena can be a significant part of housing costs.
Bills can vary based on location, exemptions, and changes in assessed value. In this area, property tax bills range from $2,839 at the 25th percentile to $6,224 at the 75th percentile, with the 90th percentile reaching $8,439. For many homeowners, even small changes in assessed value can have a noticeable impact on the amount owed each year.
Median Galena Tax Bill
$4,217
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 Galena, Jo Daviess County, Illinois
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 61036 | $1,803 | $2,839 | $4,217 | $6,224 | $8,439 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | October 17 |
Links | |
|---|---|
| Jo Daviess Tax Assessor | |
| Website | jodaviessil.devnetwedge.com |