Effingham County Property Taxes
Effingham County, Illinois
Effective Tax Rate
0.00%
2.5% below state avgMedian Annual Tax
$0
$226/mo escrow
Estimate Your Tax
Annual Tax
$0
Monthly
$0
Eff. Rate
1.51%
At a Glance
Median Home Value
$179,800
State avg ▲ $146,132
Tax w/ Mortgage/yr
$2,892
$241/mo escrow
Tax w/o Mortgage/yr
$2,489
$207/mo
State Tax Rate Rank
#19
of 102 counties (1 = lowest)
Data Story
About Property Taxes in Effingham County, Illinois
Effingham's tax rate beats the nation
At 1.509%, Effingham County's effective property tax rate falls below the national median of 1.562%, putting it in the 40th percentile—meaning 60% of U.S. counties tax property more heavily. Homeowners here pay $2,713 annually on the median home, compared to the national median of $2,690, largely because home values are lower nationally.
Middle of the pack statewide
Illinois averages a 1.831% effective rate and $2,782 median tax, making Effingham's 1.509% rate notably lower than the state average. This ranks Effingham in the lower half of Illinois counties, benefiting homeowners with a below-average tax burden.
Competitive with regional peers
Effingham's 1.509% rate sits between Franklin County (1.501%) and Fayette County (1.517%), making it one of the most affordable counties in south-central Illinois. Nearby Ford County (2.069%) and Fulton County (2.133%) charge significantly more, highlighting Effingham's advantage for property owners.
What your home costs to own
A typical Effingham County home valued at $179,800 generates an annual property tax of $2,713 for owners with a mortgage and $2,489 without one. Over ten years, that's roughly $27,130 in taxes—a modest burden compared to counties with higher rates.
Check if you're overassessed
Many Illinois homeowners pay more in property tax than necessary because their homes are assessed above fair market value. If your assessment feels high, filing an appeal with your county assessor's office costs nothing and could lower your annual bill.
How Effingham County Compares
Median Annual Property Tax
Effingham County
1.51%
Effective rate
Illinois Avg
1.90%
Effective rate
National Avg
0.91%
Effective rate
Frequently Asked Questions
What is the property tax rate in Effingham County, Illinois?
How much are property taxes in Effingham County?
How does Effingham County compare to the Illinois average?
What is the median home value in Effingham County, Illinois?
Is Effingham County a low property tax area in Illinois?
How does Effingham County rank for property taxes in Illinois?
Counties with Similar Tax Rates
Nearby Counties
Other Counties in Illinois
Data updated: March 2026
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates. Effective tax rate is calculated as median property tax divided by median home value.