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Updated 2025 Tax Year

Clark County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
2.0% to 3.5% of market value (varies by district combination)
Exemptions
5+ Available
Section 1

How Property Tax Works

Clark County, Illinois operates under the state's property tax system, which funds essential local services including schools, libraries, road maintenance, public safety, and county operations. Property taxes in Clark County are calculated based on the Equalized Assessed Value (EAV) of your property at 33⅓% of fair market value, multiplied by the total tax rate for your specific location. The Illinois Property Tax Extension Limitation Law (PTELL) helps control tax levy increases in most taxing districts.

Effective property tax rates in Clark County typically range from approximately 2.0% to 3.5% of market value, though actual rates vary significantly depending on your specific location within the county due to different combinations of school districts, municipalities, townships, and special districts that serve your property. Property owners should verify their specific tax rate based on their exact address and the taxing districts that provide services to their location.

Section 2

What Makes Up Your Tax Bill

ComponentEstimated Rate*Description
County General0.25% - 0.45%County operations, courthouse, sheriff
Elementary School2.50% - 4.50%Local elementary school district
High School1.00% - 2.00%High school district operations
Township0.10% - 0.30%Township road maintenance, services
Municipality0.20% - 0.80%City/village services (if applicable)
Library0.15% - 0.35%Public library operations
Fire Protection0.10% - 0.40%Fire department/protection district
Other Districts0.05% - 0.25%Parks, drainage, or other special districts

*Rates shown are estimates for planning purposes. Actual FY 2024-2025 levy year rates vary by specific taxing district combination and should be verified with the Clark County Clerk's office. Your property tax bill will show the exact rates and districts applicable to your specific address.

Section 3

When Are Property Taxes Due?

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

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 taxes in Illinois are additional property tax assessments that occur when there are mid-year changes to property ownership, improvements, or corrections to assessments. Common triggers include new construction completion, major renovations that increase property value, or ownership transfers that prompt reassessment. Unlike the regular assessment cycle, supplemental taxes are calculated from the date of the triggering event through the end of the current tax year.

For example, if you complete a $50,000 home addition in Clark County in March, the county assessor will issue a supplemental assessment. The additional assessed value would be approximately $16,650 ($50,000 × 33⅓%), and you would owe taxes on this amount from March through the remainder of the tax year. With a 3% total tax rate, this could result in a supplemental bill of approximately $415 for the partial year ($16,650 × 3% × 10/12 months).

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (33⅓%): $100,000
  • Homeowner Exemption Applied*: -$10,000
  • Net Taxable Value: $90,000
  • Annual Tax (2.8% rate): $2,520
  • Monthly Payment: $210

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (33⅓%): $200,000
  • Homeowner Exemption Applied*: -$10,000
  • Net Taxable Value: $190,000
  • Annual Tax (3.1% rate): $5,890
  • Monthly Payment: $491

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (33⅓%): $333,333
  • Homeowner Exemption Applied*: -$10,000
  • Net Taxable Value: $323,333
  • Annual Tax (3.3% rate): $10,670
  • Monthly Payment: $889

*Homeowner exemption requires annual application and reduces assessed value by up to $10,000. Additional credits 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 Clark County require property tax escrow accounts, collecting monthly payments with your mortgage payment to cover annual property taxes. Lenders typically collect 1/12th of your annual tax bill each month, plus a cushion of 2-3 months' payments to ensure adequate funds. Your lender will pay property taxes directly to Clark County on your behalf when payments are due.

Property tax payments in Clark County are typically due in three installments: first installment by July 1st, second installment by November 1st, and third installment by March 1st of the following year. Lenders usually receive tax bills directly and make payments according to this schedule. You should receive an annual escrow analysis from your lender showing tax payments made and any required adjustments to your monthly escrow amount. It's important to verify that your lender has current contact information with the Clark County Clerk's office to ensure timely receipt of tax bills and avoid any late payment penalties.

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 Clark County for the current fiscal year? A: Property taxes are typically due in three installments: July 1st (first installment), November 1st (second installment), and March 1st of the following year (third installment). Specific dates may vary slightly each year.

Q: What homeowner tax credits are available and how do I apply? A: The primary homeowner exemption reduces your assessed value by up to $10,000 annually. This is NOT automatic and requires an application with the Clark County Supervisor of Assessments office. Additional credits may be available for seniors (age 65+), veterans, and disabled persons, each requiring separate applications with specific documentation.

Q: How does the homestead exemption work? A: The homestead exemption in Illinois caps assessment increases on your primary residence, typically limiting annual increases to no more than 10% or the Consumer Price Index, whichever is less. This does not reduce your property's market value but protects against dramatic assessment increases. You must file an application to receive this protection.

Q: When are properties reassessed in Clark County? A: Clark County conducts general reassessments every four years as required by Illinois law. Between general reassessments, properties may be individually reassessed due to sales, improvements, or appeals. The County Assessor's office maintains current assessment information.

Q: What are the penalties for late property tax payments? A: Late payments typically incur penalties and interest charges. The first installment penalty is usually 1.5% per month after the due date, while subsequent installments may have different penalty structures. Contact the Clark County Clerk's office for specific current penalty rates.

Q: Can I pay my property taxes online? A: Yes, Clark County typically offers online payment options through their official website. You can also pay by phone, mail, or in-person at the County Clerk's office. Credit card and electronic check payments are usually accepted with applicable processing fees.

Q: How do special taxing districts affect my tax rate? A: Your total property tax rate depends on which taxing districts serve your property, including school districts, municipality (if in city limits), township, library district, fire protection district, and any special districts. Properties in different locations within Clark County may have different total tax rates based on these district combinations.

Q: How can I appeal my property assessment? A: Property assessment appeals in Clark County must be filed with the Board of Review, typically within 30 days after receiving your assessment notice. You'll need evidence of your property's value such as recent appraisals, comparable sales, or documentation of property conditions affecting value.

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