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Updated 2025 Tax Year

Cass County
Property Tax Guide

Everything you need to know about property taxes in Cass County, IL. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
Quick Facts
Tax Rate
0.795% average effective rate, varies by taxing district combination
1st Due
Jun 1
2nd Due
Sep 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Property taxes in Cass County, Illinois serve as the primary funding source for essential local services including public schools, county government operations, township services, and special districts. The property tax system operates on an annual cycle where property assessments are multiplied by local tax rates to determine individual tax obligations.

Cass County's property tax rates vary significantly by location within the county due to the layered structure of taxing districts. Each property is subject to taxes from multiple entities including the county, township, school district, and potentially special districts such as fire protection, library, or park districts. Based on 2025 data, the combined effective tax rate averages around 0.795%, though this can range from approximately 0.6% to over 1.0% depending on your specific taxing districts. Property owners should note that actual tax bills depend on both the assessed value of their property and the specific combination of taxing districts serving their location.

Section 2

What Makes Up Your Tax Bill

The following table shows the major taxing components for Cass County properties (Levy Year 2025):

ComponentRatePercentage of TotalDescription
Cass County0.007950038.18%County government operations, courthouse, sheriff, roads
Harrison Township*0.00109205.24%Township services, road maintenance, general assistance
School DistrictsVaries~40-50%Elementary and high school districts (rates vary by district)
Other Special DistrictsVaries~10-15%Fire protection, library, park, drainage districts as applicable

*Township rates shown for Harrison Township as example. Each of the 16 townships in Cass County has different rates.

Note: These rates apply to Levy Year 2025 and represent only a portion of total tax burden. Your actual tax rate depends on your specific location and the combination of school districts and special taxing districts that serve your property. Contact the Cass County Clerk's office for your complete taxing district breakdown.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Cass County, property taxes are due in two installments:

First Installment
Jun 1
Delinquent after Dec 10
Second Installment
Sep 1
Delinquent after Apr 10
Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental property taxes in Cass County are additional tax assessments that occur when there are changes to property ownership, improvements, or corrections to the original assessment during the tax year. The most common triggers include property sales that result in reassessment, completion of new construction or major renovations, and corrections to property characteristics discovered after the original assessment.

When supplemental taxes are levied, they are calculated by applying the current tax rate to the difference between the new assessed value and the previous assessed value, prorated for the portion of the tax year remaining. For example, if a property improvement completed in January increases the assessed value by $50,000, and the local tax rate is 0.80%, the supplemental tax would be approximately $400 for the full year. These supplemental bills are typically issued within 30-60 days of the triggering event and have separate due dates from regular property tax installments.

Example Calculation

The following examples show annual property tax calculations for Cass County properties using a combined tax rate of 0.795% (actual rates vary by taxing districts):

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (33.33%): $100,000
  • Less Homestead Exemption: -$10,000
  • Net Taxable Value: $90,000
  • Annual Tax (0.795%): $715.50
  • Monthly Escrow: $59.63

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (33.33%): $200,000
  • Less Homestead Exemption: -$10,000
  • Net Taxable Value: $190,000
  • Annual Tax (0.795%): $1,510.50
  • Monthly Escrow: $125.88

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (33.33%): $333,333
  • Less Homestead Exemption: -$10,000
  • Net Taxable Value: $323,333
  • Annual Tax (0.795%): $2,570.50
  • Monthly Escrow: $214.21

Note: Homestead exemption requires annual application and reduces equalized assessed value by up to $10,000. Additional exemptions may be available for seniors, veterans, or disabled persons but require separate applications.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Cass County require property tax escrow accounts for borrowers with less than 20% down payment, though some lenders may require escrow regardless of down payment amount. Your lender collects monthly escrow payments as part of your mortgage payment, typically 1/12 of your annual tax bill plus a small cushion to account for potential increases.

Property taxes in Cass County are payable in two installments: the first installment is due June 27th and the second installment is due September 5th each year. Lenders typically pay the first installment in June and the second in September directly to the Cass County Treasurer. Property owners should verify that their lender has made timely payments by checking their escrow account statements and the county's online payment system. If you pay taxes directly without escrow, you are responsible for making both payments by the due dates to avoid penalties and interest charges. The county provides online payment options, and you can verify payment status through the Cass County Treasurer's website.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are property taxes due in Cass County for the current tax year? A: For 2025 taxes, the first installment is due June 27, 2026, and the second installment is due September 5, 2026. Mobile home taxes are due September 5, 2026.

Q: What is the Homestead Exemption and how do I apply? A: The Homestead Exemption is available to owner-occupants and reduces your property's equalized assessed value by up to $10,000. You must apply annually with the Cass County Supervisor of Assessments. This is not automatic and requires filing an application each year.

Q: Are there other tax credits or exemptions available? A: Yes, Illinois offers several tax credits including Senior Citizens Assessment Freeze, Senior Citizens Tax Deferral, Veterans with Disabilities, and Disabled Persons exemptions. All require separate applications and have specific eligibility requirements and deadlines.

Q: How often are properties reassessed in Cass County? A: Illinois law requires properties to be reassessed every four years, though the county may conduct interim assessments for properties that have changed significantly due to improvements or other factors.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Cass County Board of Review during their designated hearing period, typically between August and October. You can also appeal to the Illinois Property Tax Appeal Board if unsatisfied with the local decision.

Q: What happens if I pay my property taxes late? A: Late payments incur penalties and interest. First installment penalties begin after June 27th, and second installment penalties begin after September 5th. Interest accrues monthly on unpaid balances.

Q: Can I pay my property taxes online? A: Yes, Cass County accepts online payments by credit card, debit card, or e-check through their official website. Convenience fees may apply for credit card payments.

Q: Why did my property taxes increase if my assessment stayed the same? A: Property taxes can increase even with stable assessments due to higher tax rates. Local taxing districts (schools, county, townships, special districts) may increase their levies, resulting in higher overall tax rates.

Q: How do special districts affect my property taxes? A: Special districts like fire protection, library, park, or drainage districts add additional taxes based on your property location. Each district sets its own tax rate, and properties may be subject to different combinations of special districts depending on their location within the county.

Q: What should I do if I believe there's an error on my tax bill? A: Contact the Cass County Treasurer's office immediately to review any discrepancies. Common errors include incorrect exemption applications, wrong property descriptions, or clerical mistakes that can be corrected administratively.

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