Property tax in Madison County, Illinois

By Brent Chudoba, editor Updated September 23, 2026

The median property tax bill in Madison County, Illinois is $3,319 a year, which is about 1.92% of the county's median home value of $173,000. That effective rate is higher than the typical Illinois county (1.81%) and higher than the national median (0.81%). These are American Community Survey 5-year estimates (2024); your own bill depends on your home's assessed value and any exemptions.

Estimate the property tax on a home in Madison County

Enter a home's market value for a ballpark at Madison County's average effective rate of 1.92% (Census). The real bill depends on the home's assessed value, the millage where it sits and any exemptions.

Home market value

Estimated property tax: $3,322 / year

Property tax in Madison County at a glance

Madison County, Illinois property tax (Census ACS, reviewed September 23, 2026)
Measure	Value
Median annual property tax	$3,319
Median home value	$173,000
Effective tax rate	1.92%
Typical Illinois county rate	1.81%
National median county rate	0.81%

Effective rate = median real estate taxes paid divided by median home value. Source: U.S. Census Bureau, American Community Survey 5-year estimates.

How does Madison County compare in Illinois?

Among Illinois's 102 counties, Madison County has the 40th highest effective property-tax rate: 39 rank higher and 62 rank lower. That is on the higher side for Illinois. Nationally, it ranks 110th of 3135 US counties by effective rate. See every Illinois county ranked.

How much do homeowners in Madison County actually pay?

The median is only the middle bill. Across Madison County's 81,716 owner-occupied homes, 52.9% pay $3,000 or more a year in property tax, 69.5% pay at least $2,000, and 6.6% pay under $800. Another 2.9% report paying no property tax at all, which usually means an exemption covers the whole bill.

Annual property tax paid by Madison County homeowners (Census ACS 2020-2024)
Annual bill	Homes	Share
Under $800	5,404	6.6%
$800 to $1,499	9,250	11.3%
$1,500 to $1,999	7,813	9.6%
$2,000 to $2,999	13,599	16.6%
$3,000 or more	43,261	52.9%
No property tax paid	2,389	2.9%

Owners with a mortgage pay a median of $3,682 and owners without one pay $2,789. Owners who have paid off a home have usually held it longer, and in states that cap how fast an existing owner's assessment can rise, long-held homes carry lower assessed values. Census table B25103.

How does the Madison County property tax bill compare with local incomes?

The median property tax bill of $3,319 is about 3.7% of the median income of Madison County homeowner households, $90,381 a year. That compares two middles, so a retiree in a long-held home can pay a far larger share. 74.2% of Madison County's occupied homes are lived in by their owners; renters pay property tax too, just folded into rent.

Have property taxes gone up in Madison County?

Yes. The median bill went from $2,734 in 2015-2019 to $3,319 in 2020-2024, a 21.4% rise. Over the same span the median home value moved 27.6%, from $135,600 to $173,000. Bills rose more slowly than values, which is what assessment caps and falling millage rates do: the county is taxing a smaller share of each home's worth.

Two Census ACS 5-year periods with no survey years in common, in each period's own dollars. A change counts only if it exceeds the combined 90% margin of error.

Property tax in counties next to Madison County

Madison County borders 9 counties, 3 of them across the state line.

Madison County and its neighbors, highest effective rate first (Census ACS 2020-2024)
County	Effective rate	Median bill	Median home value
St. Clair County, IL	2.03%	$3,665	$180,300
Madison County, IL (this county)	1.92%	$3,319	$173,000
Bond County, IL	1.89%	$2,747	$145,700
Clinton County, IL	1.83%	$3,524	$192,400
Jersey County, IL	1.76%	$3,020	$171,900
Montgomery County, IL	1.68%	$1,887	$112,300
Macoupin County, IL	1.5%	$2,073	$138,200
St. Louis County, MO	1.2%	$3,335	$276,800
St. Charles County, MO	1.08%	$3,480	$320,800
St. Louis city, MO	1.03%	$2,033	$197,500

How is a home assessed in Madison County?

Illinois assesses homes at 33.33% of market value in every county, Madison County included. How Illinois assesses and reappraises homes.

Is there a homestead exemption in Madison County?

Yes. Illinois's General Homestead Exemption is $6,000 of equalized assessed value in most counties, $8,000 in counties next to Cook, and $10,000 in Cook County. That is the Illinois rule, and it applies in Madison County. Illinois's exemptions and relief programs in full.

When are property taxes due in Madison County?

Two installments by default, the first due June 1 and the second September 1, or the date on the bill if later. Cook County and counties using accelerated billing follow different schedules, and the county collector sets the actual dates.

Illinois splits the bill into 2 installments. That is the Illinois rule. Madison County issues and collects the bill, so the dates printed on your statement are the ones that bind you.

How to appeal your Madison County property assessment

You contest the assessed value with the County Board of Review, then the Illinois Property Tax Appeal Board. The filing deadline is typically 30 days after the Board of Review's decision. That is the Illinois rule; Madison County sets the exact dates and forms. The Illinois appeal process step by step.

Illinois rules from primary state sources, reviewed September 7, 2026; sources on the Illinois page.

Work out your own numbers

Sources

Median real estate taxes paid and median home value for Madison County, Illinois: U.S. Census Bureau, American Community Survey 5-year estimates (2020-2024), tables B25103, B25077, B25102, B25119 and B25003; the five-year comparison uses the 2015-2019 estimates. Neighboring counties: Census county adjacency file.