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Updated 2025 Tax Year

Henderson County
Property Tax Guide

Everything you need to know about property taxes in Henderson 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 2.5-4.5% effective rate including school, county, township, and special district components
1st Due
Jun 1
2nd Due
Sep 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Henderson County, Illinois operates under a property tax system that funds essential local services including schools, county government, townships, and various special districts. Property taxes are the primary revenue source for these governmental entities, supporting everything from education and public safety to infrastructure maintenance and community services.

The effective property tax rate in Henderson County varies significantly by location within the county due to overlapping special taxing districts such as school districts, fire protection districts, and transportation systems. Based on available data, property owners can expect rates that include components for county operations, educational services, transportation systems, fire prevention and safety, special education, and tort liability coverage. Tax bills are typically issued in two installments due June 1st and September 1st, though exact dates may vary annually. Property owners should note that most tax credits and exemptions require formal application and are not automatically applied.

Section 2

What Makes Up Your Tax Bill

ComponentRate RangeDescription
County General~0.30-0.50%Basic county operations and services
School DistrictsVaries by districtEducational services, special education programs
Transportation System~0.41%Road maintenance and transportation infrastructure
Working Cash~0.05%Emergency funding for local governments
Fire Prevention/Safety/Energy~0.05%Fire protection and safety services
Special Education~0.04%Additional educational support services
Tort LiabilityVariesLegal liability coverage for local governments

Note: These rates apply to the current levy year and vary significantly based on your specific location within Henderson County due to different combinations of special taxing districts. Contact the Henderson County Clerk's office for your exact rate based on your property's tax code.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Henderson 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 Henderson County are additional tax assessments that occur when there are changes to a property's assessed value during the tax year. These are typically triggered by new construction, property improvements, ownership changes, or corrections to the original assessment that result in an increased taxable value.

Supplemental taxes are calculated by applying the current tax rate to the difference between the new assessed value and the original assessed value, prorated for the portion of the tax year remaining after the change occurred. For example, if you complete a $50,000 home addition in January and your combined tax rate is 3%, you would owe approximately $1,500 in supplemental taxes ($50,000 × 3% = $1,500) for that tax year. These supplemental bills are issued separately from regular tax bills and have their own due dates, typically 30 days from the issue date.

Example Calculation

Example 1: $300,000 Home Value

  • Market Value: $300,000
  • Assessed Value (33.33%): $100,000
  • Less Homeowner Exemption: -$10,000 (if applied for)
  • Net Taxable Value: $90,000
  • Annual Tax (est. 3.5% rate): $3,150
  • Monthly Escrow: $262.50

Example 2: $600,000 Home Value

  • Market Value: $600,000
  • Assessed Value (33.33%): $200,000
  • Less Homeowner Exemption: -$10,000 (if applied for)
  • Net Taxable Value: $190,000
  • Annual Tax (est. 3.5% rate): $6,650
  • Monthly Escrow: $554.17

Example 3: $1,000,000 Home Value

  • Market Value: $1,000,000
  • Assessed Value (33.33%): $333,333
  • Less Homeowner Exemption: -$10,000 (if applied for)
  • Net Taxable Value: $323,333
  • Annual Tax (est. 3.5% rate): $11,317
  • Monthly Escrow: $943.08

Note: The homeowner exemption requires annual application and reduces the Equalized Assessed Value (EAV) by up to $10,000. Actual tax rates vary by specific location within the county.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Henderson County require property tax escrow accounts to ensure timely payment of property taxes. Your lender will estimate your annual property tax bill and divide it by 12 to determine your monthly escrow payment, which is collected along with your mortgage payment. The lender maintains these funds in a separate account and pays your property taxes directly to Henderson County when they become due.

Lenders typically conduct annual escrow analyses to ensure adequate funds are available, and may adjust your monthly payment if taxes increase or decrease significantly. You'll receive an escrow statement showing all deposits and payments made on your behalf. Property owners with escrow accounts should verify that their lender has received and processed tax bills correctly, as any errors or delays can result in late payment penalties. If you pay taxes directly without escrow, remember that Henderson County issues bills with June 1st and September 1st due dates, and late payments incur penalties and interest charges.

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 Henderson County for the current fiscal year? A: Property taxes are due in two installments - typically June 1st for the first installment and September 1st for the second installment, though exact dates may vary annually. Contact the Henderson County Treasurer's office for specific due dates.

Q: What tax credits are available and do I need to apply? A: The primary credit available is the Homeowner Exemption, which reduces your Equalized Assessed Value (EAV) by up to $10,000. This credit requires annual application and is NOT automatic - you must file with the Henderson County Board of Review.

Q: How does the Homestead exemption work? A: Illinois' homestead exemption (Homeowner Exemption) reduces your property's assessed value by up to $10,000, not the market value. This means if your assessed value is $100,000, the exemption reduces it to $90,000 for tax calculation purposes. You must apply annually to maintain this benefit.

Q: How often are properties reassessed in Henderson County? A: Illinois law requires properties to be assessed at 33⅓% of fair market value. Henderson County conducts periodic reassessments, but the schedule varies. Contact the Henderson County Supervisor of Assessments for current assessment cycles and appeal deadlines.

Q: What happens if I pay my property taxes late? A: Late payments incur penalties and interest charges. Penalties typically begin accruing immediately after the due date, and prolonged delinquency can eventually lead to tax sale proceedings.

Q: Can I pay my property taxes online? A: Contact the Henderson County Treasurer's office directly to inquire about online payment options and accepted payment methods, as availability may vary.

Q: Why do property tax rates vary within Henderson County? A: Your specific tax rate depends on which special taxing districts serve your property, including school districts, fire protection districts, township services, and other local governmental units. Each property has a unique tax code reflecting its combination of taxing districts.

Q: How do I appeal my property assessment? A: Property assessment appeals must be filed with the Henderson County Board of Review within specific deadlines, typically during designated appeal periods. Contact the Board of Review for current filing requirements, deadlines, and necessary forms.

Q: What triggers supplemental property tax bills? A: Supplemental taxes are issued when property improvements, new construction, or assessment corrections increase your property's taxable value during the current tax year. These are billed separately from regular tax installments.

Q: How do special districts affect my tax bill? A: Special districts like transportation systems, fire protection, and library districts each levy their own taxes. Your total tax rate is the sum of all applicable district rates, which is why rates vary significantly based on your property's location within the county.

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