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Updated 2025 Tax Year

Massac County
Property Tax Guide

Everything you need to know about property taxes in Massac 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
Varies by district due to layered taxing districts (school, municipal, township, fire protection)
Exemptions
4+ Available
Section 1

How Property Tax Works

Massac County, Illinois operates under the state's property tax system, which serves as the primary funding mechanism for local services including schools, fire protection, municipal services, and county operations. Property taxes in Massac County are administered according to Illinois Property Tax Extension Limitation Law (PTELL) and are collected in two installments annually. The county follows Illinois' assessment practices where properties are assessed at approximately 33.33% of fair market value for residential properties.

Property tax rates in Massac County vary significantly by location due to the layered structure of special taxing districts including school districts, municipalities, townships, fire protection districts, and other local government entities. Each property's total tax rate is determined by the combination of all taxing districts that serve that specific location. The Illinois statewide average effective tax rate is approximately 2.27%, though actual rates in Massac County depend on your property's specific taxing district combination.

Section 2

What Makes Up Your Tax Bill

Based on Tax Year 2024 levy data:

ComponentRate RangeDescription
County GeneralVariesBasic county operations and services
School DistrictsVariesElementary and high school district levies
MunicipalVariesCity/village services (where applicable)
TownshipVariesTownship government operations
Fire ProtectionVariesFire district services
Library DistrictVariesPublic library funding (where applicable)
Special DistrictsVariesDrainage, park, or other special purpose districts

Note: The 2024 levy shows a rate increase of 0.00000 for county operations. Total effective rates vary by property location within Massac County due to different combinations of special taxing districts. Any rate increases exceeding 75¢ per $100 of assessed value are subject to voter referendum under PTELL requirements.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Massac County, property taxes are due in two installments:

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 Illinois typically occur when there are changes in property ownership, new construction, or significant improvements that alter the assessed value during the tax year. When such changes occur, the County Assessor may issue a supplemental assessment to account for the change in taxable value for the remainder of the tax year.

Supplemental taxes are calculated by applying the effective tax rate to the difference between the new assessed value and the previous assessed value, prorated for the portion of the tax year affected. For example, if a property improvement increases the assessed value by $10,000 and the effective tax rate is 3.5%, the annual supplemental tax would be $350, prorated from the date the improvement was completed.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (33.33%): $100,000
  • Less Homeowner Exemption: -$10,000 (if qualified and applied)
  • Equalized Assessed Value: $90,000
  • Estimated Tax Rate: 3.5%
  • Annual Tax: $3,150
  • Monthly Escrow: $262.50

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (33.33%): $200,000
  • Less Homeowner Exemption: -$10,000 (if qualified and applied)
  • Equalized Assessed Value: $190,000
  • Estimated Tax Rate: 3.5%
  • Annual Tax: $6,650
  • Monthly Escrow: $554.17

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (33.33%): $333,333
  • Less Homeowner Exemption: -$10,000 (if qualified and applied)
  • Equalized Assessed Value: $323,333
  • Estimated Tax Rate: 3.5%
  • Annual Tax: $11,317
  • Monthly Escrow: $943.08

Note: All exemptions require separate application and qualification. Tax rates vary by specific taxing district location.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Massac County require property tax escrow accounts for borrowers with less than 20% down payment. Your lender collects monthly property tax payments as part of your mortgage payment and maintains these funds in an escrow account. The lender pays your property taxes directly to Massac County when due.

Property taxes in Massac County are due in two installments: the first installment is due June 27, 2026, and the second installment is due September 5, 2026 for the current tax cycle. Lenders typically pay these bills on your behalf before the due dates to avoid penalties. You should receive an annual escrow statement showing your account activity, and your monthly escrow payment may be adjusted based on actual tax bills and account balance requirements. It's important to verify that your lender has paid your taxes on time, as you remain ultimately responsible for ensuring payment even when using escrow services.

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 Massac County for the current fiscal year? A: Property taxes are due in two installments: first installment due June 27, 2026, and second installment due September 5, 2026.

Q: What is the Homeowner Exemption and do I qualify? A: The Homeowner Exemption is available to property owners who use their property as their primary residence. It reduces your Equalized Assessed Value (EAV) by up to $10,000. This exemption requires application and is NOT automatic - you must file with the County Assessor's office.

Q: Are there other tax credits available that require application? A: Yes, Illinois offers several credits including Senior Freeze, Disabled Veteran, Homestead Elderly, and Returning Veteran exemptions. All require separate applications with specific eligibility requirements and deadlines. Contact the Massac County Assessor at 618-524-9632 for applications.

Q: How often are properties reassessed in Massac County? A: Illinois law requires properties to be reassessed every four years, though the County Assessor may conduct interim assessments for properties with significant changes.

Q: What are the penalties for late property tax payments? A: Late payments incur penalties and interest charges. The exact penalty structure varies, but typically includes monthly interest charges that accumulate until paid.

Q: Can I pay my property taxes online? A: Contact the Massac County Treasurer's office for current online payment options and accepted payment methods.

Q: How do I appeal my property assessment? A: Property owners have 30 days from receiving the final assessment notice to file an appeal with the Property Tax Appeal Board. You can also request a hearing with the Board of Review within 10 days of receiving a tentative decision.

Q: Why do property tax rates vary within Massac County? A: Tax rates vary because properties are served by different combinations of taxing districts (school districts, fire districts, municipalities, etc.). Each district sets its own levy, creating different total rates across the county.

Verified Sources

Backed by 10 Official Government Sources

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

01
District Extension Summarymassaccountyil.gov
02
Tax Doc
Illinois Tax Handbook for Legislatorsilga.gov
03
Tax Doc
PTAX-1-BR, Board of Review Basic Coursetax.illinois.gov
04
Supervisor of Assessmentsmassaccountyil.gov
05
assessed values for 2024massaccountyil.gov
06
County
ILLINOIS COUNTY CLERKS' OFFICIAL PROPERTY TAX ...clerk.kanecountyil.gov
07
County
Massac County Illinois: Homemassaccountyil.gov
08
Tax Doc
PTAX-1-T, Township Assessor Introductory Coursetax.illinois.gov
09
Tax Doc
PTAX-1-A, Introduction to Residential Assessment Practicestax.illinois.gov
10
Tax Doc
PTAX-60, Illinois Property Tax Rate and Levy Manualtax.illinois.gov
All sources verified as of 2025 Tax Year

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