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Updated 2025 Tax Year

Clinton County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
Varies by location due to overlapping taxing districts (school, fire, library, municipal)
Exemptions
4+ Available
Section 1

How Property Tax Works

Clinton County, Illinois operates under a property tax system that funds essential local services including schools, municipalities, townships, and county operations. Property taxes are assessed annually based on market value and collected through a two-installment payment schedule. The county follows Illinois state law requiring properties to be assessed at 33.33% of fair market value for residential properties.

Property tax rates in Clinton County vary by location due to overlapping special taxing districts such as school districts, fire protection districts, library districts, and municipalities. The county has demonstrated fiscal responsibility by lowering property tax levies for five consecutive years as of 2025. Actual effective tax rates depend on your specific location within the county and which taxing districts serve your property, making it important to understand your property's specific tax bill components.

Section 2

What Makes Up Your Tax Bill

ComponentEstimated RateDescription
County GeneralVariesBasic county operations and services
School DistrictsVariesLocal elementary and high school districts
TownshipVariesTownship road maintenance and services
MunicipalityVariesCity/village services (if applicable)
Fire ProtectionVariesFire district services (if applicable)
Library DistrictVariesPublic library services (if applicable)
Other Special DistrictsVariesPark districts, drainage districts, etc.

Note: The 2025 tax rates for Clinton County are not yet finalized as the board continues to review levy amounts. Rates vary significantly by location within the county based on which combination of taxing districts serve each property. Contact the County Clerk's office at 618-594-2464 for specific rate information for your property's tax districts.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Clinton 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 Clinton County are additional tax assessments that occur when there are changes to a property's assessed value during the tax year. Common triggers include new construction, property improvements, ownership changes that remove exemptions, or assessment corrections. These supplemental bills are calculated based on the difference between the old and new assessed values, prorated for the portion of the tax year affected.

For example, if you complete a $50,000 home addition in March that increases your assessed value by $16,650 (at 33.33% assessment ratio), you would receive a supplemental tax bill for the additional taxes owed from March through the end of the tax year. The supplemental amount would be calculated using your property's total tax rate applied to the increased assessed value, then prorated for the remaining months of the tax year.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (33.33%): $100,000
  • General Homestead Exemption Applied: -$6,000
  • Net Taxable Assessed Value: $94,000
  • Estimated Tax Rate: 6.5%
  • Annual Property Tax: $6,110
  • Monthly Escrow: $509

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (33.33%): $200,000
  • General Homestead Exemption Applied: -$6,000
  • Net Taxable Assessed Value: $194,000
  • Estimated Tax Rate: 6.5%
  • Annual Property Tax: $12,610
  • Monthly Escrow: $1,051

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (33.33%): $333,333
  • General Homestead Exemption Applied: -$6,000
  • Net Taxable Assessed Value: $327,333
  • Estimated Tax Rate: 6.5%
  • Annual Property Tax: $21,277
  • Monthly Escrow: $1,773

Note: Tax credits require application and are not automatic. Rates are estimates and vary by specific tax district combinations.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Clinton County require borrowers to maintain an escrow account for property taxes, especially for loans with less than 20% down payment. Your lender collects monthly escrow payments as part of your mortgage payment and pays your property taxes directly to the Clinton County Collector when due. Lenders typically collect 1/12 of your annual tax bill each month, plus a cushion amount as allowed by federal law.

Property taxes in Clinton County are due on August 6th and October 1st for 2025. Your lender will receive tax bills and make payments on these due dates. You should receive an annual escrow analysis statement showing how your escrow account is managed and any adjustments to your monthly payment. If your taxes increase or decrease significantly, your monthly escrow amount will be adjusted accordingly. You can verify that taxes were paid properly by checking with the County Collector's office or viewing payment records online through GovPayNow.

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 Clinton County for 2025? A: Property taxes are due in two installments: August 6th, 2025 and October 1st, 2025.

Q: What tax credits are available and do I need to apply? A: The General Homestead Exemption provides up to $6,000 reduction in assessed value for owner-occupied residential properties and requires application. Senior citizens 65+ may qualify for the Senior Citizen Assessment Freeze Homestead Exemption, which also requires application. Contact the Assessment Office at 618-594-6610 for applications and deadlines.

Q: How does the Homestead credit work? A: The General Homestead Exemption reduces your property's assessed value by up to $6,000 annually. This is not automatic - you must apply through the Assessment Office. The exemption helps limit assessment increases for owner-occupied homes.

Q: Can I pay property taxes online? A: Yes, Clinton County offers online payment through GovPayNow, though a convenience fee applies. You can also pay by mail or in person at the County Collector's office.

Q: What happens if I pay late? A: Late payments are subject to penalties and interest charges. Contact the County Collector's office immediately if you cannot make payment by the due dates to understand your options.

Q: How often are properties reassessed? A: Illinois follows a quadrennial (4-year) assessment cycle, though the County Assessor may conduct interim assessments for properties with significant changes.

Q: How do I appeal my assessment? A: Assessment appeals must be filed with the Clinton County Board of Review. Contact the Supervisor of Assessments office for appeal procedures and deadlines, which are typically within 30 days of receiving your assessment notice.

Q: Why do tax rates vary within Clinton County? A: Your total tax rate depends on which combination of taxing districts serve your property, including school districts, fire districts, library districts, and municipalities. Properties in different areas may have different combinations of these districts, resulting in varying total tax rates.

Q: What triggers a supplemental tax bill? A: Supplemental taxes occur when there are mid-year changes to your property's assessed value due to new construction, major improvements, or corrections to the assessment. These bills cover the additional taxes owed for the remaining portion of the tax year.

Q: How do I verify my property tax payment was received? A: You can verify payments online through the County Collector's GovPayNow system, call the Collector's office, or request a payment receipt. Keep all payment confirmations for your records.

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