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Updated 2025 Tax Year

Moultrie County
Property Tax Guide

Everything you need to know about property taxes in Moultrie 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 within county, Illinois statewide average applies with local variations based on taxing districts
1st Due
Jun 1
2nd Due
Sep 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Moultrie County, Illinois operates under a property tax system that funds essential local services including schools, townships, municipalities, and county operations. The county collects over $23 million annually from approximately 11,000 real estate tax bills. Property taxes in Illinois are calculated based on the equalized assessed value (EAV) of your property, which is typically one-third of fair market value, multiplied by the applicable tax rate for your location.

The effective tax rate in Moultrie County varies significantly by location within the county due to different combinations of special taxing districts, including school districts, municipalities, fire protection districts, and other local government entities. While Illinois has a statewide average property tax rate of approximately 2.27%, your actual rate in Moultrie County will depend on which taxing districts serve your specific property. The county is governed by Illinois' Property Tax Extension Limitation Law (PTELL), which limits annual increases in property tax extensions.

Section 2

What Makes Up Your Tax Bill

ComponentApproximate RateDescription
County General0.25% - 0.35%County operations, services
School Districts3.5% - 5.5%Elementary and high school districts (varies by district)
Township0.15% - 0.30%Township road maintenance, services
Municipality0.40% - 0.80%City/village services (if applicable)
Fire Protection0.20% - 0.40%Fire and emergency services (varies by district)
Library District0.10% - 0.25%Public library services (if applicable)
Other Districts0.05% - 0.15%Park, cemetery, or other special districts

Note: These rates are estimates for levy year 2024 (payable 2025). Actual rates vary significantly by location within Moultrie County based on your specific combination of taxing districts. Contact the Moultrie County Clerk's office at 217-728-4032 for exact rates applicable to your property's PIN (Parcel Index Number).

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Moultrie 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 Moultrie County are additional assessments that occur when property undergoes significant changes during the tax year. Common triggers include new construction, major improvements, changes in ownership that reveal unreported improvements, or corrections to the original assessment. These taxes are calculated by determining the difference between the original assessed value and the new assessed value, then applying the current tax rate to that difference.

For example, if you complete a $50,000 home addition mid-year, the county assessor will evaluate the improvement and add its assessed value (typically one-third of construction cost, or approximately $16,667) to your property's EAV. The supplemental tax would be calculated by multiplying this additional assessed value by your property's total tax rate. If your total rate is 4.5%, the supplemental tax would be approximately $750 ($16,667 × 0.045), prorated for the portion of the tax year the improvement was in place.

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
  • Tax Rate (estimated): 4.2%
  • Annual Tax: $3,780
  • Monthly Escrow: $315

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (33.33%): $200,000
  • Less: General Homestead Exemption: -$10,000
  • Net Taxable Value: $190,000
  • Tax Rate (estimated): 4.5%
  • Annual Tax: $8,550
  • Monthly Escrow: $712.50

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
  • Tax Rate (estimated): 4.8%
  • Annual Tax: $15,520
  • Monthly Escrow: $1,293.33

Note: Homestead exemptions require application and are not automatic. Tax rates vary by specific taxing districts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Moultrie County require borrowers to maintain an escrow account for property tax payments. Your lender collects a monthly amount equal to your estimated annual property taxes divided by 12, plus a cushion typically equal to two months of payments. Given that Moultrie County bills annually but allows payment in two installments due July 1 and September 2, lenders typically pay both installments from your escrow account.

Lenders must provide an annual escrow analysis showing the previous year's activity and any adjustments needed for the coming year. If your property taxes increase significantly, your monthly escrow payment will be adjusted accordingly. You can verify your property tax amount by checking your annual tax bill mailed in mid-May, and you should provide copies to your lender to ensure accurate escrow calculations. If you pay your mortgage off or refinance, you're responsible for making property tax payments directly to the Moultrie County Collector's office.

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Section 6

Frequently Asked Questions

Q: When are property taxes due in Moultrie County for the current tax year? A: For 2024 taxes (payable 2025), bills were mailed May 14, 2025, with due dates of July 1, 2025 (first installment) and September 2, 2025 (second installment). Friendly reminders are sent September 10, 2025.

Q: What tax credits are available and do I need to apply? A: The General Homestead Exemption provides up to $10,000 reduction in EAV and requires application. The Homestead Exemption for Persons with Disabilities (HEPD) provides $2,000 EAV reduction and requires annual application using Form PTAX-343-R. Disabled Veterans' Homestead Exemption is also available with application Form PTAX-342.

Q: How does the Homestead Exemption work? A: The General Homestead Exemption reduces your property's equalized assessed value (EAV) by up to $10,000, which effectively caps assessment increases. This is not automatic - you must apply with the Chief County Assessment Officer (CCAO). The exemption stays with the property as long as you remain the owner-occupant.

Q: How often are properties reassessed in Moultrie County? A: Illinois law requires properties to be assessed at 33⅓% of fair market value. Assessment schedules vary, but properties are typically reviewed every 3-4 years. You can appeal your assessment through the Board of Review process if you believe your assessment is incorrect.

Q: What are the penalties for late property tax payments? A: Illinois law imposes penalties and interest on delinquent property taxes. Contact the Moultrie County Treasurer at 217-728-4032 for current penalty rates and payment options if your taxes are past due.

Q: Can I pay property taxes online? A: Yes, Moultrie County offers online payment options. Check the county's official website for current online payment systems and accepted payment methods.

Q: Why do tax rates vary within Moultrie County? A: Your tax rate depends on which combination of taxing districts serve your property, including school districts, fire protection districts, library districts, municipalities, and townships. Properties in different areas may be served by different districts, resulting in different total tax rates.

Q: What should I do if I don't receive my tax bill? A: Contact the Moultrie County Treasurer's office immediately at 217-728-4032. You are responsible for paying taxes even if you don't receive a bill. The office can provide you with your current tax amount and payment instructions.

Verified Sources

Backed by 10 Official Government Sources

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

01
State
Real Estate Taxesmoultriecountyil.gov
02
County
Moultrie Countymoultriecountyil.gov
03
Tax Doc
Property Taxmoultriecountyil.gov
04
State
Real Estate Tax Calendar 2025moultriecountyil.gov
05
County
Moultrie County Treasurer's Officemoultriecountyil.gov
06
Exemptionsmoultriecountyil.gov
07
Exemption for Persons with Disabilities (HEPD)moultriecountyil.gov
08
2023 Application for General Homestead Exemptionmoultriecountyil.gov
09
Tax Doc
PTAX-340 2025 Low-Income Senior Citizens Assessment ...moultriecountyil.gov
10
County
Moultrie Countymoultriecountyil.gov
All sources verified as of 2025 Tax Year

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