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Updated 2025 Tax Year

Edwards County
Property Tax Guide

Everything you need to know about property taxes in Edwards 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 district, typically 3.5-6.5% effective rate depending on school district and municipality
1st Due
Jun 1
2nd Due
Sep 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Edwards County, Illinois operates under the state's property tax system to fund essential local services including schools, county government operations, townships, and various special districts. Property taxes in Edwards County are administered by the County Clerk and County Treasurer, with assessments conducted by township assessors under the supervision of the Chief County Assessment Officer (CCAO). The county follows Illinois' assessment cycle where property is valued as of January 1st each year, with township assessors required to return assessment books by April 15th.

Property tax rates in Edwards County vary significantly depending on your specific location within the county due to overlapping taxing districts such as school districts, municipalities, fire protection districts, and library districts. Each property owner pays taxes to multiple local governments based on their geographic location. Edwards County has been subject to equalization factors applied by the Illinois Department of Revenue, with a recent equalization factor of 0.9381 being applied to ensure uniform assessment levels across the state. The actual effective tax rate you pay depends on the combination of all taxing districts that serve your property location.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
County General FundVariesBasic county operations and services
TownshipVariesTownship road maintenance and services
School DistrictsVariesK-12 education funding (largest component)
Community CollegeVariesRegional community college district
Fire ProtectionVariesLocal fire department services
Library DistrictVariesPublic library services
Total Composite RateContact CountySum of all applicable districts

Note: Specific levy year rates for FY 2025-2026 are not currently available in public records. Contact the Edwards County Clerk's office for current certified tax rates. Rates shown are estimates and actual rates vary significantly by location within Edwards County based on which special taxing districts serve your property. Each taxing district sets its own levy within legal limits.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Edwards 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 taxes in Edwards County are additional property tax bills issued when there are changes to property ownership, improvements, or new construction that occur after the regular assessment date of January 1st. These supplemental assessments ensure that property taxes reflect current property values and ownership throughout the tax year. Common triggers include property sales that result in reassessment, completion of new construction projects, additions to existing structures, or corrections to assessment errors.

Supplemental taxes are calculated by determining the difference between the old assessed value and the new assessed value, then applying the current tax rate to that difference for the remaining portion of the tax year. For example, if a property improvement worth $50,000 is completed in July, the supplemental tax would be calculated on the increased assessed value (typically $50,000 ÷ 3 = $16,667 in additional assessed value) multiplied by the applicable tax rate, prorated for the remaining months in the tax year (6 months = 50% of annual tax).

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (33.33%): $100,000
  • Less: General Homestead Exemption: $10,000
  • Net Taxable Value: $90,000
  • Estimated Tax Rate: 6.50%
  • Annual Tax: $5,850
  • Monthly Escrow: $488

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (33.33%): $200,000
  • Less: General Homestead Exemption: $10,000
  • Less: Senior Homestead (if applicable): $5,000
  • Net Taxable Value: $185,000
  • Estimated Tax Rate: 6.50%
  • Annual Tax: $12,025
  • Monthly Escrow: $1,002

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (33.33%): $333,333
  • Less: General Homestead Exemption: $10,000
  • Net Taxable Value: $323,333
  • Estimated Tax Rate: 6.50%
  • Annual Tax: $21,017
  • Monthly Escrow: $1,751

Note: Tax rates are estimates. Actual rates vary by taxing district. Exemptions shown require annual application and are not automatic.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Edwards County require borrowers to maintain an escrow account for property tax payments, especially when the loan-to-value ratio exceeds 80%. Your lender collects monthly escrow payments along with your mortgage payment, typically 1/12th of your estimated annual property tax bill plus a small cushion as allowed by federal law. The lender holds these funds in a separate escrow account and makes tax payments directly to the Edwards County Treasurer when taxes become due.

Property taxes in Edwards County are typically due in two installments: the first installment due in June and the second installment due in September of each tax year. Your lender will receive tax bills directly from the county and make payments on your behalf. Lenders are required to provide annual escrow account statements showing all deposits, payments, and account balances. If your escrow account has a shortage, the lender may increase your monthly payment or offer options to pay the shortage over time. Property owners should verify that their lender has current contact information with the Edwards County Treasurer's office to ensure tax bills are received promptly.

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 Edwards County for the current fiscal year? A: Property taxes are typically due in two installments - the first installment in June and the second installment in September. Contact the Edwards County Treasurer's office for exact due dates as they may vary slightly each year.

Q: What tax credits are available and do I need to apply? A: The General Homestead Exemption reduces your assessed value by up to $10,000 and requires annual application. The Senior Citizens Homestead Exemption provides additional benefits for qualifying seniors and also requires application. Senior Citizens Assessment Freeze (also called Senior Citizens Homestead Exemption for Assessment Increase) may be available to limit assessment increases. All credits require active application - none are automatic.

Q: How does the Homestead Exemption work? A: The Homestead Exemption is not just a simple reduction - it can include provisions that limit how much your assessment can increase annually (often capped at 10% or the Consumer Price Index increase, whichever is less). You must apply annually and use the property as your primary residence. This helps protect homeowners from dramatic tax increases due to rising property values.

Q: When do I need to apply for exemptions and credits? A: Most exemption applications are due by the first return date in your township, typically around April 15th, but deadlines can vary. Contact your township assessor or the Edwards County CCAO office for specific deadlines. Late applications may not be accepted.

Q: How often are properties reassessed in Edwards County? A: Illinois law requires that property be assessed annually as of January 1st. However, not all properties receive detailed inspections every year. Reassessment typically occurs when properties are sold, improved, or as part of the assessor's systematic review cycle.

Q: How do I appeal my property assessment? A: Appeals must first be filed with your township assessor, then can proceed to the Edwards County Board of Review if not resolved. There are strict deadlines for appeals, typically within 30 days of receiving your assessment notice.

Q: What are the penalties for late tax payments? A: Illinois law provides for interest and penalties on delinquent property taxes. Interest typically accrues monthly on unpaid taxes, and properties can eventually be sold at tax sale for non-payment. Contact the Edwards County Treasurer for current penalty rates.

Q: Can I pay my property taxes online? A: Contact the Edwards County Treasurer's office to inquire about online payment options, as availability varies by county. Many Illinois counties now offer online payment systems for taxpayer convenience.

Q: Why did my taxes increase when my assessment stayed the same? A: Your tax bill can increase even with the same assessment if local taxing districts (schools, county, townships, etc.) increase their tax levies. Tax rates are set annually by each taxing district based on their budget needs and total assessed value in their district.

Q: What special districts might affect my tax rate? A: Edwards County properties may be subject to taxes from school districts, township governments, fire protection districts, library districts, community college districts, and other special purpose districts. The combination of districts serving your property determines your total tax rate.

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