Local costs · Illinois
What a home costs across Illinois
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Illinois, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $1,343 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- Illinois state transfer tax: 0.10% of price — seller customarily paysCounty transfer tax: 0.050% of price — seller customarily paysChicago levies an additional city transfer tax (see Cook County adder).On the $280,700 state median home, the buyer’s customary share is about $0; the seller customarily covers about $421.
- Title insurance
- Illinois uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- Illinois income tax is modeled at about 4.66% effective for a married household at $100,000 (4.81% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.
All 102 counties in Illinois
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Adams County | 1.58% | $1,070–$2,390typical $1,650 |
| Alexander County | 1.81% | $1,320–$2,940typical $2,030 |
| Bond County | 1.88% | $1,010–$2,250typical $1,550 |
| Boone County | 2.18% | $1,020–$2,280typical $1,570 |
| Brown County | 1.52% | $1,140–$2,540typical $1,750 |
| Bureau County | 2.01% | $1,120–$2,490typical $1,720 |
| Calhoun County | 1.39% | $1,030–$2,310typical $1,590 |
| Carroll County | 1.99% | $1,250–$2,800typical $1,930 |
| Cass County | 2.02% | $1,230–$2,740typical $1,890 |
| Champaign County | 2.06% | $970–$2,160typical $1,490 |
| Christian County | 1.64% | $960–$2,130typical $1,470 |
| Clark County | 1.56% | $940–$2,090typical $1,440 |
| Clay County | 1.43% | $960–$2,130typical $1,470 |
| Clinton County | 1.83% | $1,150–$2,570typical $1,770 |
| Coles County | 1.94% | $940–$2,090typical $1,440 |
| Cook County | 1.91% | $770–$1,710typical $1,180 |
| Crawford County | 1.49% | $980–$2,190typical $1,510 |
| Cumberland County | 1.59% | $950–$2,120typical $1,460 |
| De Witt County | 1.78% | $1,110–$2,470typical $1,700 |
| DeKalb County | 2.45% | $750–$1,670typical $1,150 |
| Douglas County | 1.70% | $2,160–$4,830typical $3,330 |
| DuPage County | 2.05% | $730–$1,620typical $1,120 |
| Edgar County | 1.45% | $1,030–$2,310typical $1,590 |
| Edwards County | 1.45% | $930–$2,070typical $1,430 |
| Effingham County | 1.49% | $940–$2,090typical $1,440 |
| Fayette County | 1.45% | $970–$2,160typical $1,490 |
| Ford County | 2.12% | $1,030–$2,310typical $1,590 |
| Franklin County | 1.57% | $1,110–$2,480typical $1,710 |
| Fulton County | 2.14% | $1,230–$2,740typical $1,890 |
| Gallatin County | 1.57% | $1,290–$2,870typical $1,980 |
| Greene County | 1.75% | $1,060–$2,360typical $1,630 |
| Grundy County | 1.99% | $980–$2,180typical $1,500 |
| Hamilton County | 1.33% | $1,080–$2,410typical $1,660 |
| Hancock County | 1.81% | $1,250–$2,780typical $1,920 |
| Hardin County | 0.96% | $1,390–$3,100typical $2,140 |
| Henderson County | 1.58% | $1,880–$4,190typical $2,890 |
| Henry County | 1.99% | $1,350–$3,020typical $2,080 |
| Iroquois County | 1.82% | $960–$2,130typical $1,470 |
| Jackson County | 1.84% | $1,440–$3,220typical $2,220 |
| Jasper County | 1.95% | $970–$2,160typical $1,490 |
| Jefferson County | 1.70% | $1,110–$2,470typical $1,700 |
| Jersey County | 1.76% | $1,050–$2,330typical $1,610 |
| Jo Daviess County | 1.72% | $1,130–$2,520typical $1,740 |
| Johnson County | 1.24% | $1,240–$2,760typical $1,900 |
| Kane County | 2.26% | $770–$1,730typical $1,190 |
| Kankakee County | 2.21% | $800–$1,780typical $1,230 |
| Kendall County | 2.37% | $960–$2,150typical $1,480 |
| Knox County | 1.96% | $1,420–$3,160typical $2,180 |
| Lake County | 2.58% | $740–$1,650typical $1,140 |
| LaSalle County | 2.11% | $680–$1,520typical $1,050 |
| Lawrence County | 1.19% | $960–$2,130typical $1,470 |
| Lee County | 1.97% | $1,180–$2,640typical $1,820 |
| Livingston County | 2.04% | $850–$1,890typical $1,300 |
| Logan County | 1.77% | $1,290–$2,870typical $1,980 |
| Macon County | 2.12% | $990–$2,220typical $1,530 |
| Macoupin County | 1.50% | $1,110–$2,470typical $1,700 |
| Madison County | 1.92% | $1,010–$2,260typical $1,560 |
| Marion County | 1.71% | $940–$2,100typical $1,450 |
| Marshall County | 1.94% | $1,050–$2,350typical $1,620 |
| Mason County | 2.09% | $1,250–$2,800typical $1,930 |
| Massac County | 1.40% | $1,290–$2,890typical $1,990 |
| McDonough County | 2.13% | $1,220–$2,710typical $1,870 |
| McHenry County | 2.36% | $830–$1,840typical $1,270 |
| McLean County | 2.17% | $1,060–$2,360typical $1,630 |
| Menard County | 1.72% | $1,120–$2,510typical $1,730 |
| Mercer County | 1.96% | $1,410–$3,150typical $2,170 |
| Monroe County | 1.63% | $1,200–$2,680typical $1,850 |
| Montgomery County | 1.68% | $1,110–$2,470typical $1,700 |
| Morgan County | 1.76% | $1,090–$2,420typical $1,670 |
| Moultrie County | 1.80% | $1,140–$2,550typical $1,760 |
| Ogle County | 2.05% | $1,030–$2,310typical $1,590 |
| Peoria County | 2.24% | $1,060–$2,360typical $1,630 |
| Perry County | 1.60% | $1,110–$2,470typical $1,700 |
| Piatt County | 1.81% | $1,120–$2,510typical $1,730 |
| Pike County | 1.54% | $940–$2,090typical $1,440 |
| Pope County | 1.03% | $1,360–$3,030typical $2,090 |
| Pulaski County | 1.02% | $1,330–$2,960typical $2,040 |
| Putnam County | 1.57% | $1,070–$2,390typical $1,650 |
| Randolph County | 1.43% | $1,350–$3,000typical $2,070 |
| Richland County | 1.58% | $900–$2,000typical $1,380 |
| Rock Island County | 2.28% | $1,070–$2,390typical $1,650 |
| Saline County | 1.69% | $1,230–$2,740typical $1,890 |
| Sangamon County | 1.99% | $1,070–$2,390typical $1,650 |
| Schuyler County | 1.78% | $1,370–$3,050typical $2,100 |
| Scott County | 1.50% | $1,110–$2,480typical $1,710 |
| Shelby County | 1.50% | $960–$2,150typical $1,480 |
| St. Clair County | 2.03% | $970–$2,160typical $1,490 |
| Stark County | 1.69% | $1,310–$2,930typical $2,020 |
| Stephenson County | 2.40% | $1,130–$2,520typical $1,740 |
| Tazewell County | 2.11% | $1,090–$2,440typical $1,680 |
| Union County | 1.30% | $1,310–$2,930typical $2,020 |
| Vermilion County | 1.81% | $1,070–$2,380typical $1,640 |
| Wabash County | 1.41% | $790–$1,750typical $1,210 |
| Warren County | 1.81% | $1,570–$3,490typical $2,410 |
| Washington County | 1.87% | $1,210–$2,700typical $1,860 |
| Wayne County | 1.49% | $990–$2,200typical $1,520 |
| White County | 1.34% | $1,090–$2,420typical $1,670 |
| Whiteside County | 2.04% | $1,030–$2,310typical $1,590 |
| Will County | 2.24% | $790–$1,750typical $1,210 |
| Williamson County | 1.72% | $1,580–$3,520typical $2,430 |
| Winnebago County | 2.39% | $970–$2,160typical $1,490 |
| Woodford County | 2.13% | $830–$1,840typical $1,270 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.