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Updated 2025 Tax Year

Richland County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
~4.066% (40.66 mills) effective rate, varies significantly by taxing district location
1st Due
Jun 1
2nd Due
Sep 1
Exemptions
4+ Available
Section 1

How Property Tax Works

Richland County, Illinois operates under the state's property tax system to fund essential local services including schools, municipalities, townships, and county operations. Property taxes are the primary revenue source for these local governments, with tax rates determined annually based on approved budgets and total assessed values within each taxing district.

The effective tax rate in Richland County for the current levy year is approximately 4.066% (40.66 mills), though actual rates vary significantly by location within the county depending on which special taxing districts serve your property. These districts can include school districts, fire protection districts, library districts, and municipalities, each adding their own levy to your total tax bill. Illinois uses an assessment ratio of approximately 33.33% of fair market value for residential properties, with the actual tax calculated on the Equalized Assessed Value (EAV) after any applicable exemptions are applied.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100 EAV)Description
County GeneralVariableCounty operations, sheriff, courts, health services
TownshipVariableRoad maintenance, general assistance, assessor
School DistrictsVariableElementary and high school districts (largest component)
Community CollegeVariableSoutheastern Illinois College district
Fire ProtectionVariableRural fire protection districts where applicable
Library DistrictsVariablePublic library services where applicable
MunicipalVariableCity/village services for incorporated areas
Total Composite Rate4.066%Combined rate varies by specific location

Rates shown are for Levy Year 2025 and represent the composite rate across Richland County taxing districts. Your actual rate depends on which combination of taxing districts serve your specific property address. Contact the County Clerk's office at (618) 392-3111 for your property's exact taxing district combination.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Richland 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 Richland County are additional tax bills issued when property ownership changes or new construction is completed after the annual assessment date. These occur when the County Assessor discovers taxable value that was not included on the regular tax roll, such as new buildings, additions, or corrections to property records.

Supplemental taxes are calculated using the same tax rate as your regular bill, applied to the difference between the previous assessed value and the new assessed value. For example, if you complete a $50,000 home addition mid-year, the supplemental tax would apply to the increased assessed value (approximately $16,667 at 33.33% assessment ratio) multiplied by your area's tax rate. The supplemental bill covers the period from when the change occurred through the end of the current tax year, prorated accordingly.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (33.33%): $100,000
  • Homeowner Exemption: -$10,000 (requires application)
  • Net Taxable EAV: $90,000
  • Annual Tax (4.066%): $3,659
  • Monthly Escrow: $305

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (33.33%): $200,000
  • Homeowner Exemption: -$10,000 (requires application)
  • Net Taxable EAV: $190,000
  • Annual Tax (4.066%): $7,725
  • Monthly Escrow: $644

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (33.33%): $333,333
  • Homeowner Exemption: -$10,000 (requires application)
  • Net Taxable EAV: $323,333
  • Annual Tax (4.066%): $13,147
  • Monthly Escrow: $1,096

Note: All exemptions require annual application through the County Assessor's office. Tax rates shown are composite rates and may vary by specific taxing district location.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Richland County require borrowers to maintain an escrow account for property taxes, especially when the loan-to-value ratio exceeds 80%. Your lender collects 1/12th of your estimated annual tax bill each month along with your mortgage payment, then pays the county directly when taxes are due.

Lenders typically pay the first installment by July 31st and the second installment by September 5th to avoid penalty fees. You should receive an annual escrow analysis from your lender showing the account balance and any adjustments needed. If your property taxes increase significantly due to reassessment or rate changes, your monthly escrow payment may increase accordingly. Property owners can verify that payments were made correctly by checking with the Richland County Treasurer's office or viewing payment records online at the county's website.

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 Richland County? A: First installments are due July 31st and second installments are due September 5th for the current fiscal year. Mobile home taxes have a separate due date of August 1st.

Q: What homeowner tax credits are available and how do I apply? A: The Homeowner Exemption reduces your EAV by up to $10,000 annually and requires application through the County Assessor. The Senior Citizens Homestead Exemption provides an additional $5,000 EAV reduction for qualifying seniors. Both require annual application and are not automatic.

Q: How does the Homestead Exemption work? A: The Homestead Exemption is actually an exemption that reduces your Equalized Assessed Value by up to $10,000, not a credit. You must apply annually with the County Assessor's office to receive this benefit.

Q: When are properties reassessed in Richland County? A: Illinois law requires reassessment every four years. Properties are assessed annually but undergo comprehensive revaluation on a quadrennial cycle. Assessment notices are typically mailed in late spring.

Q: What are the penalties for late payment? A: Late payments incur penalty fees and interest charges. First installment penalties begin August 1st, and second installment penalties begin September 6th. Contact the County Treasurer at (618) 392-3111 for current penalty rates.

Q: Can I pay my property taxes online? A: Contact the Richland County Treasurer's office at (618) 392-3111 or visit the county website to verify current online payment options and accepted methods.

Q: How do special taxing districts affect my tax bill? A: Your total tax rate is the sum of all taxing districts serving your property, including county, township, school districts, and any special districts like fire protection or library districts. This is why rates vary significantly by location within the county.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the County Board of Review, typically within 30 days of receiving your assessment notice. Contact the County Assessor's office for specific deadlines and required forms for the current assessment year.

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