Updated 2025 Tax Year

Kane County
Property Tax Guide

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

10 Official Sources

8 min read

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Quick Facts

Tax Rate

2.0% to 3.5% of market value (varies by taxing districts and location within county)

1st Due

Jun 1

2nd Due

Sep 1

Exemptions

5+ Available

Section 1

How Property Tax Works

Kane County, Illinois operates under a property tax system that funds essential local services including schools, municipalities, townships, and county operations. Property owners pay taxes based on their property's assessed value multiplied by the combined tax rates of all applicable taxing districts. The effective tax rate in Kane County typically ranges from approximately 2.0% to 3.5% of market value, though this varies significantly depending on your specific location within the county.

Your actual tax rate depends on which special taxing districts serve your property, including school districts, park districts, library districts, fire protection districts, and municipal services. Kane County operates under Illinois' Property Tax Extension Limitation Law (PTELL), which limits the annual increase in property tax extensions for most taxing bodies. The county uses a two-installment payment system, with bills typically due in early June and early September each year.

Section 2

What Makes Up Your Tax Bill

The following represents typical tax rate components for Kane County properties (rates vary by specific taxing districts):

Component	Approximate Rate per $100 EAV	Description
County General	$0.15 - $0.20	County operations, health services, highway maintenance
School Districts	$8.00 - $12.00	Elementary and high school districts (varies significantly)
Municipal/Township	$1.00 - $2.50	City/township services, road maintenance
Park Districts	$0.30 - $0.80	Local parks and recreation services
Library Districts	$0.20 - $0.40	Public library services
Fire Protection	$0.50 - $1.20	Fire and emergency services
Other Special Districts	$0.10 - $0.50	Various local services (drainage, mosquito abatement, etc.)

Note: These rates apply to the 2024 tax year (payable in 2025). Rates are expressed per $100 of Equalized Assessed Value (EAV), which is typically 33.33% of market value for residential properties. Your specific rate depends on the combination of taxing districts serving your property.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Kane 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 Kane County are additional tax bills issued when there are significant changes to a property during the tax year. The most common triggers include new construction completion, major improvements, or ownership changes that reveal underassessed value. When the County Assessor discovers that a property's assessed value should be higher than what was used for the regular tax bill, a supplemental assessment is created.

The supplemental tax is 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 the higher value applies. For example, if a $100,000 addition is completed and occupied on January 1st, but wasn't included in the regular assessment, the supplemental tax would cover the full tax year. If the addition was completed on July 1st, the supplemental tax would cover approximately half the tax year. Property owners typically receive supplemental tax bills within 60-90 days after the assessment change is processed.

Example Calculation

Example 1: $300,000 Home

Market Value: $300,000
Assessed Value (33.33%): $100,000
Homeowner Exemption: -$8,000
Net Taxable EAV: $92,000
Tax Rate (estimated 10.5%): $9,660 annually
Monthly (if escrowed): $805

Example 2: $600,000 Home

Market Value: $600,000
Assessed Value (33.33%): $200,000
Homeowner Exemption: -$8,000
Net Taxable EAV: $192,000
Tax Rate (estimated 11.2%): $21,504 annually
Monthly (if escrowed): $1,792

Example 3: $1,000,000 Home

Market Value: $1,000,000
Assessed Value (33.33%): $333,300
Homeowner Exemption: -$8,000
Net Taxable EAV: $325,300
Tax Rate (estimated 12.0%): $39,036 annually
Monthly (if escrowed): $3,253

Note: Homeowner exemptions require annual application and reduce the taxable assessed value, not the tax bill directly. Tax rates vary by location within Kane County.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Kane County require borrowers to maintain an escrow account for property taxes, especially when the loan-to-value ratio exceeds 80%. Your lender collects monthly payments equal to 1/12th of your annual property tax bill plus a cushion (typically 2 months) as required by federal law. The lender pays your property taxes directly to Kane County when they become due.

Kane County issues tax bills in late spring, with the first installment typically due June 2nd and the second installment due September 2nd. Lenders usually pay the first installment in early June and the second in early September. You can verify that your lender has paid your taxes by checking the Kane County Treasurer's website or calling their office. If you're escrowing and receive a tax bill directly, forward it to your lender immediately, as they may not have received their copy yet. At the end of each year, your lender will conduct an escrow analysis and adjust your monthly payment based on actual tax amounts and any changes in assessments.

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Section 6

Frequently Asked Questions

Q: When are Kane County property taxes due for 2025? A: The first installment is due June 2, 2025, and the second installment is due September 2, 2025. Late payments incur penalties and interest charges.

Q: What tax credits are available and do I need to apply? A: Kane County offers several tax credits that require annual application, including the Homeowner Exemption ($8,000 reduction in assessed value), Senior Citizens Homestead Exemption (additional reduction for qualifying seniors), and Veterans' Disability Exemption. Applications must be filed with the local assessor's office by the required deadlines.

Q: How does the Homeowner Exemption work? A: The Homeowner Exemption reduces your property's taxable assessed value by $8,000 annually, which can save approximately $800-$1,200 per year depending on your tax rate. You must apply annually and the property must be your principal residence. This is an exemption that reduces assessed value, not a credit that reduces your tax bill dollar-for-dollar.

Q: When are properties reassessed in Kane County? A: Kane County conducts reassessments on a cyclical basis, with different townships reassessed in different years. Most properties are reassessed every 3-4 years, though the county can adjust assessments annually based on market conditions or property changes.

Q: How can I appeal my property assessment? A: Assessment appeals must first be filed with your local township assessor, then with the Kane County Board of Review if unsatisfied with the township decision. Finally, you can appeal to the Illinois Property Tax Appeal Board (PTAB). Specific deadlines apply at each level.

Q: What are the penalties for late payment? A: Kane County charges penalties and interest on late payments. The penalty structure includes monthly interest charges, and properties with delinquent taxes for multiple years may be subject to tax sale proceedings.

Q: Can I pay my property taxes online? A: Yes, Kane County offers online payment options through the County Treasurer's website. You can pay by electronic check or credit card, though credit card payments may include processing fees.

Q: Why do tax rates vary within Kane County? A: Tax rates vary because different areas are served by different combinations of school districts, municipalities, park districts, fire protection districts, and other special service districts. Each district sets its own levy, creating different total tax rates throughout the county.

Verified Sources

Backed by 10 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

County

Kane County, Illinoiskanecountyil.gov

Tax Doc

District Rate Listing Tax Rates For 2024 Payable 2025clerk.kanecountyil.gov

Exemptionsassessments.kanecountyil.gov

Press Releasestreasurer.kanecountyil.gov

From the Clerk...clerk.kanecountyil.gov

Tax Doc

Tax Bill Due Date – May 1, 2025treasurer.kanecountyil.gov

General Homestead Exemptionassessments.kanecountyil.gov

Application for General Homestead Exemptionassessments.kanecountyil.gov

County

ILLINOIS COUNTY CLERKS' OFFICIAL PROPERTY TAX ...clerk.kanecountyil.gov

emontgomerycountyil.gov

All sources verified as of 2025 Tax Year

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Kane CountyProperty Tax Guide