Property tax in McLean County, Illinois
In McLean County, the property tax bill comes from the McLean County Treasurer & Tax Collector. Every due date for the Tax Year 2025 Payable 2026 bill has passed, and the county had not posted the next cycle's dates when we checked. You can look up and pay the bill on the county's own payment page. Taken from McLean County's own pages, checked September 23, 2026.
The median property tax bill in McLean County, Illinois is $4,524 a year, which is about 2.17% of the county's median home value of $208,400. 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.
Who sends the property tax bill in McLean County, and how do you pay it?
The bill comes from the McLean County Treasurer & Tax Collector. The value it is based on is set by a separate office, the McLean County Supervisor of Assessments (Chief County Assessment Officer), with the township assessors, which is who to ask if the value looks wrong. For how to look up and pay the bill, go to the county's own payment information.
Township assessors value homes; the City of Bloomington and Normal township assessors keep their own property records online. A decision of the Board of Review can be taken to the Illinois Property Tax Appeal Board. One county bill carries the taxes of the nearly 200 taxing districts in the county. The exemptions on the county's pages and the senior tax deferral loan are the state's programs, applied for through the county. Mailed real estate payments go to a lockbox at P.O. Box 843637, Kansas City, MO 64184-3637, but payments mailed on or after October 1 go to P.O. Box 2400, Bloomington, IL 61702-2400. Online and phone payments carry a processor fee of 2.25% plus $1.50 for cards, or $2.00 for an e-check; automatic annual withdrawal is free. Mobile homes get a separate bill due June 15, 2026, with a $25 monthly late charge. Parts of McLean County were declared state disaster areas in June and August 2026, and owners of damaged property can apply for reassessment.
When are property taxes due in McLean County?
Every due date for the Tax Year 2025 Payable 2026 bill has passed, and McLean County had not posted the next cycle's dates when we checked on September 23, 2026. If that bill is still unpaid, the late-payment rules below apply to it. Counties usually repeat the schedule, but confirm the new dates on your next bill. For the Tax Year 2025 Payable 2026 bill, McLean County splits the bill into 2 payments, the first due June 10, 2026 and the last September 10, 2026. Illinois law charges interest of 1.5% a month on an unpaid installment, starting with payments made or postmarked after the due date (June 10 and September 10). October 9, 2026 is the last day to pay in the office by personal check and to avoid having the delinquent tax published in the newspaper; after that, certified funds are required and a $10 certified-mail fee is added from October 12. Online and phone card payments end October 30. The final day to pay, in certified funds at the Treasurer's office before 4:30 p.m., is Thursday, November 5, 2026; no payments are taken on the sale day, Friday, November 6, 2026. This year unpaid real estate taxes will not be sold to private tax buyers: the County Board, acting as trustee for the taxing districts, has elected to take all delinquent 2025 real estate taxes itself. Unpaid mobile home taxes are still offered to buyers at the sale. Taxes taken at the sale must be redeemed through the County Clerk.
| Payment | Due | Note |
|---|---|---|
| First installment | June 10, 2026 (passed) | Real estate tax bills were scheduled to be mailed May 7, 2026. A mailed payment is on time if it is postmarked on or before the due date. Banks accept payments only on or before each due date, and only with the payment coupon. |
| Second installment | September 10, 2026 (passed) |
From McLean County's published schedule, checked September 23, 2026. If a date falls on a weekend or holiday, the county's own rules on the next business day apply.
Estimate the property tax on a home in McLean County
Enter a home's market value for a ballpark at McLean County's average effective rate of 2.17% (Census). The real bill depends on the home's assessed value, the millage where it sits and any exemptions.
Estimated property tax: $4,522 / year
Property tax in McLean County at a glance
| Measure | Value |
|---|---|
| Median annual property tax | $4,524 |
| Median home value | $208,400 |
| Effective tax rate | 2.17% |
| 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 McLean County compare in Illinois?
Among Illinois's 102 counties, McLean County has the 13th highest effective property-tax rate: 12 rank higher and 89 rank lower. That places it among the most heavily taxed counties in the state. Nationally, it ranks 51st of 3135 US counties by effective rate. See every Illinois county ranked.
How much do homeowners in McLean County actually pay?
The median is only the middle bill. Across McLean County's 45,704 owner-occupied homes, 72.2% pay $3,000 or more a year in property tax, 84.1% pay at least $2,000, and 6.2% pay under $800. Another 2% report paying no property tax at all, which usually means an exemption covers the whole bill.
| Annual bill | Homes | Share |
|---|---|---|
| Under $800 | 2,832 | 6.2% |
| $800 to $1,499 | 1,880 | 4.1% |
| $1,500 to $1,999 | 1,639 | 3.6% |
| $2,000 to $2,999 | 5,452 | 11.9% |
| $3,000 or more | 32,976 | 72.2% |
| No property tax paid | 925 | 2% |
Owners with a mortgage pay a median of $4,702 and owners without one pay $4,173. 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 McLean County property tax bill compare with local incomes?
The median property tax bill of $4,524 is about 4.3% of the median income of McLean County homeowner households, $104,136 a year. That compares two middles, so a retiree in a long-held home can pay a far larger share. 65.1% of McLean 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 McLean County?
Yes. The median bill went from $3,899 in 2015-2019 to $4,524 in 2020-2024, a 16% rise. Over the same span the median home value moved 24.8%, from $167,000 to $208,400. 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 McLean County
McLean County borders 8 counties.
| County | Effective rate | Median bill | Median home value |
|---|---|---|---|
| McLean County, IL (this county) | 2.17% | $4,524 | $208,400 |
| Woodford County, IL | 2.13% | $4,215 | $197,600 |
| Ford County, IL | 2.12% | $2,587 | $122,000 |
| Tazewell County, IL | 2.11% | $3,536 | $167,500 |
| Champaign County, IL | 2.06% | $4,353 | $211,500 |
| Livingston County, IL | 2.05% | $2,908 | $142,200 |
| Piatt County, IL | 1.81% | $3,265 | $180,600 |
| De Witt County, IL | 1.78% | $2,322 | $130,300 |
| Logan County, IL | 1.77% | $2,385 | $134,400 |
How is a home assessed in McLean County?
Illinois assesses homes at 33.33% of market value in every county, McLean County included. How Illinois assesses and reappraises homes.
Is there a homestead exemption in McLean 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 McLean County. Illinois's exemptions and relief programs in full.
McLean County does not add relief programs of its own beyond the Illinois ones (checked September 23, 2026).
How to appeal your McLean County property assessment
In McLean County you appeal to the McLean County Board of Review. The deadline: Within 30 days after your township's assessment notice is published in the newspaper; a late complaint will not be heard. For 2026 the deadlines run township by township, from September 25, 2026 (Allin, Arrowsmith, Bellflower and several other rural townships) to October 29, 2026 (Bloomington, City of Bloomington, Downs and Old Town); Normal and most other townships are due October 5, 2026. How to file. Checked September 23, 2026 against the official appeal rules.
How Illinois's appeal process works, including the next level if the first one turns you down.
Illinois rules from primary state sources, reviewed September 7, 2026; sources on the Illinois page.
Work out your own numbers
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How much house can I afford?
Your income, debts and down payment against the 28/36 rule lenders actually use, with McLean County's tax rate to hand.
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Mortgage calculator
Monthly payment with principal, interest, tax and insurance, plus what an extra payment saves you.
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Illinois income tax
Brackets, standard deduction and what Illinois actually taxes.
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Sales tax in McLean County
The other local tax: combined state and local rate for this county.
Sources
- Median real estate taxes paid and median home value for McLean 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.