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Updated 2025 Tax Year

Kankakee County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
3.315% effective rate (varies by location due to overlapping special districts)
1st Due
Jun 1
2nd Due
Sep 1
Exemptions
4+ Available
Section 1

How Property Tax Works

Property taxes in Kankakee County, Illinois fund essential local services including public schools, county government operations, municipalities, townships, and special districts. The county operates under Illinois' Property Tax Extension Limitation Law (PTELL), which governs how local taxing bodies can increase their levies. Property assessments are conducted at approximately 33.15% of market value, based on recent sales data from 2022-2024.

The effective tax rate in Kankakee County is approximately 3.315% for 2025, though actual rates vary significantly by location within the county due to overlapping special taxing districts. Each property may be subject to taxes from multiple entities including the county, school districts, municipalities, townships, fire protection districts, and other special service areas. Property owners should verify their specific tax rate and applicable districts, as rates can differ substantially even between neighboring properties depending on which taxing jurisdictions they fall within.

Section 2

What Makes Up Your Tax Bill

ComponentEstimated RateDescription
County General0.450%County operations, public safety, courts
School Districts1.800%Local elementary and high school districts
Municipal/Township0.600%City/village and township services
Community College0.285%Kankakee Community College District
Special Districts0.180%Fire protection, library, park districts
Total Average3.315%Combined effective rate for 2025

Note: These rates apply to the 2025 tax year and represent county averages. Actual rates vary by specific location within Kankakee County based on which taxing districts serve each property. Some areas may have additional special assessments or different school district rates. Contact the Kankakee County Clerk's office to determine the exact rate for a specific property address.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Kankakee 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 Kankakee County are additional property tax bills issued when there are changes to a property's assessed value during the tax year. Common triggers include ownership transfers that prompt reassessment, completion of new construction, additions or improvements to existing structures, or corrections to previous assessments. When the County Assessor determines that a property's taxable value should be higher than what was used for the original 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 remaining. For example, if a $400,000 home receives a supplemental assessment increasing its value to $450,000 in January, and the local tax rate is 3.315%, the supplemental tax would be approximately $1,658 (($450,000 - $400,000) × 0.33 assessment ratio × 3.315% tax rate). The bill would cover the full remaining tax year from the effective date of the change.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (33.15%): $99,450
  • Less: General Homestead Credit: -$3,315 (on $10,000 reduction)
  • Net Taxable Value: $96,135
  • Annual Tax (3.315%): $3,186
  • Monthly Escrow: $266

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (33.15%): $198,900
  • Less: General Homestead Credit: -$3,315 (on $10,000 reduction)
  • Net Taxable Value: $195,585
  • Annual Tax (3.315%): $6,486
  • Monthly Escrow: $541

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (33.15%): $331,500
  • Less: General Homestead Credit: -$3,315 (on $10,000 reduction)
  • Net Taxable Value: $328,185
  • Annual Tax (3.315%): $10,879
  • Monthly Escrow: $907

Note: General Homestead Credit requires annual application and reduces taxable 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 Kankakee County require property tax escrow accounts for borrowers with less than 20% down payment, though some may require escrow regardless of down payment amount. The lender collects monthly payments equal to 1/12 of the estimated annual property tax bill and holds these funds in a separate escrow account. When property taxes are due in June and September, the lender pays the bills directly to the Kankakee County Collector from the escrow account.

Lenders must provide annual escrow statements showing all deposits and payments, and they may adjust monthly payments if tax amounts change significantly. Property owners should verify that their lender has current exemption and credit information to ensure accurate tax estimates. If your assessment or applicable credits change, notify your lender promptly to avoid escrow shortages. You can verify that payments were made correctly by checking the County Collector's website or contacting their office directly, as lenders occasionally make errors in payment amounts or timing.

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 Kankakee County for 2025? A: Property taxes are due in two installments: the first installment is due June 26, 2025, and the second installment is due September 4, 2025. If bills are mailed late, the first installment becomes due 30 days after the bill date.

Q: What tax credits are available and how do I apply? A: The General Homestead Credit reduces taxable assessed value by up to $10,000 and requires annual application by December 31st using form PTAX-324. Senior citizens may qualify for additional credits, and veterans with disabilities may receive veteran exemptions. All credits require separate applications and are not automatic.

Q: How does the Homestead Credit work? A: The General Homestead Credit doesn't reduce your home's market value, but rather reduces the taxable assessed value by up to $10,000. This credit must be applied for annually by December 31st of the assessment year and helps limit assessment increases for owner-occupied homes.

Q: How often are properties reassessed in Kankakee County? A: Kankakee County conducts assessments based on a rolling cycle, with valuations updated periodically using recent sales data. The 2025 assessments are based on sales from 2022-2024. Property owners who disagree with their assessment can appeal through the Board of Review.

Q: What are the penalties for late payment? A: Late payments incur interest charges and penalties as specified under Illinois law. Contact the Kankakee County Collector's office for current penalty rates and to discuss payment arrangements if needed.

Q: Can I pay my property taxes online? A: Yes, Kankakee County offers online payment options through their website. You can pay by e-check for a $1.00 fee or by credit/debit card for a 2.25% fee plus $1.50 transaction fee. Payments are also accepted at nearly 30 local participating banks.

Q: Why did my tax bill increase if my assessment stayed the same? A: Tax bills can increase even with unchanged assessments due to higher tax rates from various taxing districts (schools, county, municipalities, special districts). Each district sets its own levy annually, and rate increases in any district affect your total bill.

Q: What if I receive a supplemental tax bill? A: Supplemental bills are issued when property changes occur during the tax year, such as new construction completion or ownership transfers triggering reassessment. These bills are due 30 days from the issue date and cover the tax difference for the remaining portion of the tax year.

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