Carroll County, Illinois
Property Taxes
The average property tax rate in Carroll County, Illinois is 1.99%. On the county's median home value of $114,500, that works out to $2,277 per year in property taxes, the 849th highest bill of all 3,211 counties nationally. The next deadline to protest your Carroll County property tax assessment is within 30 days of your county's published assessment list.
Carroll County, Illinois Property Tax Calculator
How the Calculator Works
This Carroll County, IL property tax calculator estimates your bill the same way the Carroll County Supervisor of Assessments does: your home's value multiplied by the local effective tax rate. The Carroll County effective property tax rate is 1.99%, compared with the Illinois average of 2.01% and the U.S. average of 0.94%. On the county's median home value of $114,500, that works out to roughly $2,277 a year in Carroll County property taxes. Use the estimate above as a starting point, then check the protest playbook below if your county's assessed value looks higher than your calculator estimate suggests it should.
Lower Your Carroll County, Illinois Property Taxes
Step 1: Check
Your TimelineIn Carroll County, your assessment notice arrives in your township's reassessment year, and the deadline to appeal it is . It is free to file!
- Notice arrives
- your township's reassessment year
- Appeal deadline
- Filing fee
- free
Step 2: Gather
Your EvidenceTo file a strong appeal in Carroll County, you need proof. Gather these four things before you begin to file.
- Look up your current assessed property value
- Research recent sales of similar properties in your area
- Download the required form:
Board of Review assessment complaint form - Take photos of any property issues that affect value
Step 3: Submit
Your AppealAppeals in Carroll County are filed with the Carroll County Board of Review. View filing instructions
- File with
- Carroll County Board of Review
- Appeal form
- Board of Review assessment complaint form
| Doing it yourself | With Abode | |
|---|---|---|
| Cost | Free | $99/yr flat |
| Time investment | 6-10 hrs (research + filing) | 3 min (enrollment only) |
| Comparable sales | You pull the sales yourself | Automated comp analysis included |
| Evidence formatting | You gather and format it | Professional evidence packet included |
| Filing process | You file the Board of Review assessment complaint form yourself | We file it for you |
| Hearing preparation | You appear before the review board | Consultant appears on your behalf |
| Success rate | 40-60% | 88% |
Lower your property tax in minutes with Abode Money
Carroll County, Illinois Property Tax Rate
The typical Carroll County homeowner pays an effective rate of 1.99% of market value each year, just below the Illinois median of 2.01% and well above the U.S. median of 0.94%. By city the median rate runs from 1.34% in Lake Carroll to 2.61% in Chadwick. The table lists the 25th, median, and 75th percentile effective rate for all 8 Carroll County cities.
| City | 25th percentile | Median | 75th percentile |
|---|---|---|---|
| Chadwick | 2.39% | 2.61% | 2.89% |
| Lake Carroll | 1.23% | 1.34% | 1.47% |
| Lanark | 1.71% | 1.80% | 1.96% |
| Milledgeville | 2.09% | 2.30% | 2.54% |
| Mount Carroll | 2.34% | 2.56% | 2.89% |
| Savanna | 1.45% | 1.73% | 2.04% |
| Shannon | 1.55% | 1.72% | 1.91% |
| Thomson | 1.60% | 1.85% | 2.16% |
The 25th and 75th percentile rates are an Abode Money estimate, modelled from each city’s own home-value quartiles. The median is the city’s published effective rate.
Carroll County, Illinois Property Tax Bill
On a median home value of $114,500, the typical Carroll County tax bill comes to $2,277 a year, well below the Illinois median of $5,298 and well below the U.S. median of $3,119. Bills scale with value, so they track the map of where the expensive homes are. By city the median bill runs from $1,253 in Savanna to $4,658 in Lake Carroll. Search all 8 Carroll County cities below to compare the 25th, median, and 75th percentile bill.
| City | 25th percentile | Median | 75th percentile |
|---|---|---|---|
| Chadwick | $1,720 | $2,240 | $3,016 |
| Lake Carroll | $3,660 | $4,658 | $6,122 |
| Lanark | $1,495 | $1,740 | $2,226 |
| Milledgeville | $1,629 | $2,171 | $2,897 |
| Mount Carroll | $1,715 | $2,214 | $3,180 |
| Savanna | $748 | $1,253 | $2,040 |
| Shannon | $1,450 | $1,984 | $2,701 |
| Thomson | $1,413 | $2,167 | $3,408 |
Carroll County, Illinois Home Values
The median Carroll County home is worth $114,500, the value your tax bill is calculated from, versus an Illinois median of $263,300 and a U.S. median of $332,700. Values range widely, with the middle half of Carroll County homes between $76,400 and $195,100. By city the median value runs from $72,400 in Savanna to $348,500 in Lake Carroll. The table lists the 25th, median, and 75th percentile value for all 8 cities.
| City | 25th percentile | Median | 75th percentile |
|---|---|---|---|
| Chadwick | $65,800 | $85,700 | $115,400 |
| Lake Carroll | $273,800 | $348,500 | $458,000 |
| Lanark | $83,000 | $96,600 | $123,600 |
| Milledgeville | $70,700 | $94,200 | $125,700 |
| Mount Carroll | $67,100 | $86,600 | $124,400 |
| Savanna | $43,200 | $72,400 | $117,900 |
| Shannon | $84,100 | $115,100 | $156,700 |
| Thomson | $76,300 | $117,000 | $184,000 |
Carroll County, Illinois Property Tax History
Effective tax rate, median annual bill, and median home value in Carroll County, tracked year by year. Across the published years the median annual bill rose 14.1%, the median home value rose 12.0%, and the effective tax rate rose 1.9%.
Solid years are published figures. Dashed years are Abode predictions, from each county's own past trend.
| Tax year | Effective rate | Rate change | Median bill | Bill change | Median home value | Value change |
|---|---|---|---|---|---|---|
| 2020 | 1.95% | - | $1,995 | - | $102,200 | - |
| 2021 | 2.09% | +7.19% | $2,107 | +5.61% | $100,700 | -1.47% |
| 2022 | 2.04% | -2.55% | $2,241 | +6.36% | $109,900 | +9.14% |
| 2023 | 2.03% | -0.27% | $2,308 | +2.99% | $113,500 | +3.28% |
| 2024 | 1.99% | -2.21% | $2,277 | -1.34% | $114,500 | +0.88% |
| 2025(predicted) | 2.00% | +0.46% | $2,353 | +3.34% | $117,800 | +2.88% |
| 2026(predicted) | 2.01% | +0.47% | $2,433 | +3.40% | $121,194 | +2.88% |
Carroll County, Illinois vs. Nearby Counties
Thinking of moving? Run the tax math first. Of the four counties bordering Carroll County, one taxes the same home for less. Move a $114,500 home into Jo Daviess County, the cheapest neighbor, and the bill falls $306 a year, while Stephenson County, the most expensive, costs $473 more. Bordering effective rates run from 1.72% to 2.40% against Carroll County’s 1.99%. One of the five largest Illinois metro counties tax the same home for less. The widest gap across the county line is $779 a year.
Carroll County vs. Its Neighboring Counties
Effective rate, median bill, and the tax on the same $114,500 home · Carroll County and its four bordering counties
| County | Effective rate | Their median bill | Same home here | vs. Carroll |
|---|---|---|---|---|
| Carroll County | 1.99% | $2,277 | $2,277 | - |
| Jo Daviess County | 1.72% | $3,613 | $1,971 | -$306/yr |
| Ogle County | 2.06% | $3,889 | $2,354 | +$77/yr |
| Stephenson County | 2.40% | $3,240 | $2,750 | +$473/yr |
| Whiteside County | 2.04% | $2,598 | $2,340 | +$63/yr |
Carroll County vs. the Big Illinois Metros
Effective rate, median bill, and the tax on the same $114,500 home · Illinois’s five largest metro counties
| County | Effective rate | Their median bill | Same home here | vs. Carroll |
|---|---|---|---|---|
| Cook County | 1.91% | $6,191 | $2,184 | -$93/yr |
| DuPage County | 2.05% | $8,007 | $2,342 | +$65/yr |
| Kane County | 2.26% | $7,382 | $2,585 | +$308/yr |
| Lake County | 2.58% | $8,923 | $2,955 | +$678/yr |
| Will County | 2.24% | $7,173 | $2,570 | +$293/yr |
Carroll County, Illinois Property Tax Exemptions
There are 7 property tax exemptions available in Carroll County, Illinois. What each saves depends on your own assessed value and local rate, so no fixed yearly figure is shown.
| Exemption | What you get | Saves a year | When to file |
|---|---|---|---|
| General Homestead Exemption (GHE)Owner-occupants who use the residential property as their principal dwelling and are liable for the property taxes. | Reduces EAV by up to $6,000 in all counties other than Cook (Cook is $10,000 and counties contiguous to Cook are $8,000). | Varies | File with the county Chief County Assessment Office / Supervisor of Assessments; in many counties it auto-renews once granted. |
| Senior Citizens Homestead ExemptionOwner-occupants age 65 or older who are liable for the property taxes on their principal residence. | Reduces EAV by $5,000 in all counties other than Cook (Cook and contiguous counties: $8,000). | Varies | File Form PTAX-324 with the Chief County Assessment Office; many counties auto-renew once granted. |
| Low-income Senior Citizens Assessment Freeze Homestead Exemption (Senior Freeze)Owner-occupants age 65 or older whose total household income is at or below the annual limit and who have owned/occupied the residence for the required period. | Freezes the property's EAV at the base-year value so it does not rise with inflation; the current household income maximum is $75,000 or less for taxable year 2026 (rising to $77,000 for 2027 and $79,000 for 2028 and after). | Varies | File Form PTAX-340 annually with the Chief County Assessment Office. |
| Homestead Exemption for Persons with DisabilitiesOwner-occupants with a qualifying disability who use the property as their principal residence. | Reduces EAV by $2,000 per year. | Varies | File initial Form PTAX-343 (with proof of disability) with the Chief County Assessment Office, then renew each year with Form PTAX-343-R. |
| Standard Homestead Exemption for Veterans with Disabilities (SHEVD)Veterans (or their surviving spouses) with a service-connected disability of at least 30% certified by the U.S. Department of Veterans Affairs, on a principal residence with total EAV under $250,000. | Reduces EAV by $2,500 for a 30% to under 50% disability, by $5,000 for a 50% to under 70% disability, and fully exempts the residential property from taxation for a 70% or greater disability. | Varies | File Form PTAX-342 with the Chief County Assessment Office and renew annually with Form PTAX-342-R. |
| Returning Veterans' Homestead ExemptionVeterans returning from active duty in an armed conflict involving the U.S. Armed Forces, on their principal residence. | Reduces EAV by $5,000, applied for two consecutive tax years beginning with the year the veteran returns. | Varies | File Form PTAX-341 with the Chief County Assessment Office for the year of return. |
| Homestead Improvement ExemptionOwner-occupants who make improvements to or rebuild an existing single-family residence that increase its value. | Exempts the added value from new improvements, up to an annual maximum of $75,000 in fair cash value (about $25,000 in EAV), for four years after completion. | Varies | Generally applied automatically by the township/county assessor upon reassessment; confirm with the Chief County Assessment Office. |
Carroll County, Illinois Cheat Sheet
Value, rate, bill, rank, and the protest and payment dates · every figure the sections above establish, restated as label and value · Carroll County, Illinois
| Median tax bill | $2,277 a year-1.3% year over year |
|---|---|
| Effective tax rate | 1.99%of market value · Illinois 2.01% · U.S. 0.94% |
| Median home value | $114,500the value your bill is calculated from |
| Middle half of homes | $76,400 – $195,10025th to 75th percentile home value |
| National rank | 849th highestmedian bill, of 3,211 U.S. counties |
| Change since 2020 | +14.1%median bill, $1,995 to $2,277 |
| Effective rate since 2020 | +1.9%percent change in the rate, not percentage points |
| Cheapest neighbor | Jo Daviess County$306 a year less on the same $114,500 home |
| Who values your home | Carroll County Supervisor of Assessmentsmarket value as of the assessment date |
| Notice arrives | Your township's reassessment yearNotice of your proposed assessed value, mailed when your township is reassessed |
| Protest window | Within 30 days of your county's published assessment listBoard of Review assessment complaint form · free to file · Carroll County Board of Review |
| Protest odds | 88% win a reductionwith Abode Money · we build the evidence, file, and argue it for you |
| Payment due | In two installments a year, with due dates set by each county1.5% per month on each unpaid installment until it is paid (35 ILCS 200/21-15) |
Statistics here come from the U.S. Census Bureau’s American Community Survey: what owners report their home is worth and what they paid in tax. They are not assessment roll figures, so they will not match your notice. Nothing here is tax advice.
Carroll County, Illinois Property Tax FAQ
Straight answers about property taxes in Carroll County, Illinois: the effective rate and typical bill, when taxes are due, the protest deadline, whether an appeal is worth filing, what evidence wins a reduction, and how Abode lowers your bill every year.
The effective property tax rate in Carroll County is 1.99%. The typical homeowner pays $2,277 a year on a median home value of $114,500.
Carroll County property taxes are due in two installments a year, with due dates set by each county. Bills are issued as a single annual bill each spring by the county Collector, one year in arrears, and late payments are charged 1.5% per month on each unpaid installment until it is paid (35 ILCS 200/21-15). Due dates shift year to year, so confirm the current one with the tax office.
Usually yes. A protest backed by comparable sales or evidence of condition problems stands a real chance of a reduction, and most are settled at an informal review without a hearing. A lower value also becomes the starting point for the following year, so a single win keeps paying. Filing in Carroll County is free, and your value cannot be raised because you protested.
The strongest evidence is recent sales of comparable homes: three to five from the past year, nearby, and similar in size, age, and condition. Photos and repair estimates for condition problems help too, because the assessor values homes from the outside. Budget about 2-4 hrs to assemble it.
Abode protests your Carroll County assessment every year for $99/yr flat and wins a reduction 88% of the time. Doing it yourself is free but takes 6-10 hrs and wins 40-60% of the time.
Every house on this street pays a different bill.
Make sure yours is the right one. Abode checks your assessment, files your exemptions, and protests when the numbers are off.
