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Updated 2025 Tax Year

Crawford County
Property Tax Guide

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

9 Official Sources
8 min read
Quick Facts
Tax Rate
4-8% of assessed value (varies by taxing district), above IL average of 2.27%
1st Due
Jun 1
2nd Due
Sep 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Crawford County, Illinois operates under the state's property tax system, which serves as the primary funding mechanism for local services including public schools, county government operations, municipalities, townships, fire protection districts, and other special taxing districts. Property taxes in Crawford County are based on the assessed value of real estate, which is determined by the County Assessor and represents approximately one-third of the property's fair market value.

The effective property tax rate in Crawford County varies significantly by location within the county due to the overlapping jurisdictions of different taxing districts. While Illinois has a statewide average effective rate of approximately 2.27%, Crawford County rates typically range from 4% to 8% of assessed value depending on which combination of school districts, municipalities, townships, and special districts serve your specific property. Final tax rates for the current levy year are determined after all taxing bodies set their budgets and are typically released in late spring.

Property owners should note that their exact tax rate depends on their property's location within various taxing district boundaries, including school districts, fire protection districts, library districts, and other special service areas that may not align with municipal or township boundaries.

Section 2

What Makes Up Your Tax Bill

Based on available data for Crawford County, property tax rates vary by taxing district combination. The following represents typical components:

ComponentApproximate Rate RangeDescription
County General0.3% - 0.6%County operations, roads, courthouse, sheriff
School Districts3.5% - 5.5%K-12 education, largest component
Township0.1% - 0.3%Local road maintenance, general assistance
Municipality0.2% - 0.8%City/village services (if within city limits)
Fire Protection0.1% - 0.4%Fire and emergency services
Library District0.1% - 0.2%Public library services
Other Special Districts0.0% - 0.3%Parks, drainage, etc.

Total Effective Rate: 4.3% - 8.1% (of assessed value, varies by location)

Note: These rates apply to the current tax levy year. Final certified rates are released annually after all taxing bodies adopt their budgets. Rates shown are applied to assessed value (approximately 33% of market value), not full market value.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Crawford 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 Crawford County are triggered when there are changes in property ownership, new construction, or improvements that increase a property's assessed value during the tax year. These supplemental assessments ensure that property taxes are properly allocated based on current ownership and property conditions.

The most common triggers include: purchase of property (change of ownership), completion of new construction or major renovations, subdivision of land, or corrections to previous assessments. The supplemental tax is calculated as the difference between the new assessed value and the previous assessed value, multiplied by the applicable tax rate, prorated for the portion of the tax year remaining.

For example, if a property's assessed value increases from $100,000 to $120,000 due to completed renovations in January, and the total tax rate is 6.5%, the annual increase would be $1,300 ($20,000 × 6.5%). If this change occurred halfway through the tax year, the supplemental tax would be approximately $650 for the remaining six months, billed separately from the regular tax installments.

Example Calculation

The following examples show estimated annual property taxes for Crawford County properties at different market values, assuming a moderate tax rate of 5.8% of assessed value:

Example 1: $300,000 Market Value

  • Assessed Value (33.33%): $100,000
  • Less: General Homestead Exemption: -$10,000 (if applied for)
  • Net Taxable Assessed Value: $90,000
  • Annual Tax (5.8%): $5,220
  • Monthly Payment: $435

Example 2: $600,000 Market Value

  • Assessed Value (33.33%): $200,000
  • Less: General Homestead Exemption: -$10,000 (if applied for)
  • Net Taxable Assessed Value: $190,000
  • Annual Tax (5.8%): $11,020
  • Monthly Payment: $918

Example 3: $1,000,000 Market Value

  • Assessed Value (33.33%): $333,333
  • Less: General Homestead Exemption: -$10,000 (if applied for)
  • Net Taxable Assessed Value: $323,333
  • Annual Tax (5.8%): $18,753
  • Monthly Payment: $1,563

Note: The General Homestead Exemption requires annual application and reduces the equalized assessed value by up to $10,000. Additional credits may be available for seniors, veterans, or disabled persons but require separate applications with specific deadlines.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Crawford County require property tax escrow accounts for borrowers with less than 20% down payment, though some lenders mandate escrow regardless of down payment amount. Your lender collects monthly tax payments as part of your mortgage payment and holds these funds in an escrow account to pay your property taxes when due.

Property taxes in Crawford County are typically due in two installments: the first installment due June 1st and the second installment due September 1st. However, if tax bills are mailed late (after May 1st), the first installment becomes due 30 days after the bill date. Lenders usually pay both installments on time to avoid penalty charges, and borrowers receive copies of tax bills and payment confirmations.

It's important to verify that your lender has your correct tax information and is paying the right amount. You can check your property's tax status through the Crawford County Treasurer's office or online portal. If you pay taxes independently, ensure payments are received by the due dates to avoid penalties and interest charges that typically begin accruing the day after taxes become delinquent.

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 Crawford County property taxes due for the current fiscal year? A: Property taxes are generally due in two installments: June 1st and September 1st. If bills are mailed after May 1st, the first installment is due 30 days from the bill date.

Q: What tax credits are available and do I need to apply? A: The primary credit is the General Homestead Exemption (up to $10,000 reduction in assessed value), which requires annual application. Additional credits for seniors, veterans, and disabled persons are available but require separate applications with specific eligibility requirements and deadlines.

Q: How does the Homestead Exemption work? A: The General Homestead Exemption reduces your property's equalized assessed value by up to $10,000, not the market value. This exemption must be applied for annually and caps assessment increases rather than reducing the actual market value of your property.

Q: How often are properties reassessed in Crawford County? A: Illinois law requires properties to be reassessed every four years, though the County Assessor may conduct more frequent reviews for properties that have changed significantly due to improvements or market conditions.

Q: What happens if I pay my property taxes late? A: Late payments incur penalty and interest charges that typically begin accruing the day after the due date. Penalties usually start at 1.5% per month and can compound, making prompt payment important for avoiding additional costs.

Q: Can I pay my property taxes online? A: Contact the Crawford County Treasurer's office to confirm current online payment options, as availability and accepted payment methods may vary and change over time.

Q: How do special taxing districts affect my tax rate? A: Your property may be located within multiple taxing districts (school, fire, library, drainage, etc.) that don't necessarily follow city or township boundaries. Each district adds to your total tax rate, which is why rates vary significantly by location within the county.

Q: How do I appeal my property assessment? A: Assessment appeals must typically be filed with the Crawford County Board of Review during specific time periods, usually within 30 days of receiving your assessment notice. Contact the County Assessor's office for current appeal procedures and deadlines.

Q: What documentation do I need to apply for tax credits? A: For the General Homestead Exemption, you'll need proof of residency and ownership. Additional credits may require age verification, military service records, disability documentation, or income statements depending on the specific credit type.

Q: How can I verify my property's taxing districts? A: Contact the Crawford County Assessor's office or Treasurer's office to confirm which taxing districts apply to your property, as district boundaries may not be obvious and can affect your total tax rate significantly.

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