Illinois · County property tax · ACS 2024
Champaign County Property Taxes
The median homeowner in Champaign County pays $4,353 a year, an effective rate of 2.06%, far above the U.S. average.
- $4,353
- Median tax / yr · Highest-decile bill
- 2.06%
- Effective rate · Highest-decile rate
- +118%
- vs U.S. average
- #23 of 102
- rank in IL
The verdict
Homeowners in Champaign County pay a median $4,353 a year in property tax, an effective rate of 2.06%, more affordable than 2% of U.S. counties (Census ACS 2024).
- $4,353
- Median annual tax bill, 2024
- 2.06%
- Effective rate on median home
- #3069 of 3135
- U.S. counties by tax burden
- +118%
- vs the national average bill
Effective rate is the median property tax bill divided by the median home value ($211,500). U.S. Census Bureau, ACS 5-Year Estimates · 2024.
Census Bureau ACS property tax data for Illinois. Population: 208,741. Owner-occupied homes: 46,173.
The median annual property tax in Champaign County is $4,353, which is 18% lower than the Illinois state average and 118% above the national average. The effective tax rate is 2.06% on a median home value of $211,500. Property taxes represent 6.8% of the median household income in this county.
Why Champaign County's ACS bill runs high vs the U.S.
Primary signal
The bill sits well above the national median
Homeowners in Champaign County pay a median annual property tax of $4,353, far above the national median and notably lower than the Illinois state median. On a $211,500 median home, that works out to an effective rate of 2.06% once the local assessment base and millage are combined.
Decision signal 2
Income carries a heavy tax share
Property taxes in Champaign County run well above the commonly cited 2%-4% national benchmark, at about 6.8% of the $63,683 median household income.
Decision signal 3
The effective rate is a national headwind
Champaign County's 2.06% effective rate is among the highest of 3,135 tracked counties: only about 98% pay more.
Decision signal 4
Low among Illinois counties by effective rate
Champaign County ranks #23 of 102 counties in Illinois by effective rate (77% of in-state counties pay a lower rate).
Informational notice
Figures describe the median homeowner household in Champaign County as reported to the Census Bureau; your parcel can differ. Not tax, legal, or financial advice: check the county assessor or a qualified professional before decisions that depend on these numbers.
Most of the market's rise reached the bill
The effective rate here moved 7.6% down between 2020 and 2024, a smaller shift than in 70% of U.S. counties. With the median home value rose 27.0%, the median bill rose 17.3% to $4,353: the rate did comparatively little to offset the market.
Effective rate is the published median bill divided by the published median home value, so the two multiply back to the bill exactly; the rate's movement here is derived from those two figures rather than read from the rounded published rate. Both are ACS 5-year survey estimates for the median owner-occupied household, compared across non-overlapping releases. They describe what the Census published, not a local policy, assessment, or exemption change.
How to read this county's bill
Bills rose across 2020-2024, from $3,710 to $4,353, a gain of 17%. This is a comparison of published ACS medians, not an explanation of a particular property's assessment or tax bill.
The heaviest band is also the fullest one here: 31,477 of 46,173 owner-occupied homes (68.2%) report annual real-estate taxes above $3,000. That band has no upper edge in the source, so the county median understates the burden carried by the plurality rather than describing it.
A top-quartile rate meets below-median earnings here, and the median bill reaches 6.8% of median household income. A rate ranking places this county by the rate alone; the ratio above is the figure that accounts for what is earned here.
The share above is the median annual bill divided by median household income, a ratio of two county-level medians rather than a household-by-household figure.
What Champaign County Homeowners Actually Pay
The single largest group of Champaign County homeowners, 31,477 of 46,173 owner-occupied homes (68.2%), pays $3,000 or more a year. The median is one point in this spread, not a typical bill.
- Less than $800 5.7% (2,615)
- $800 to $1,499 6.3% (2,890)
- $1,500 to $1,999 5.3% (2,463)
- $2,000 to $2,999 12.2% (5,649)
- $3,000 or more 68.2% (31,477)
Census ACS 2024, table B25102. Bands and the no-tax share sum to 100%.
1,079 homes here (2.3%) report no real estate tax at all. Exemptions are set by state: how Illinois handles assessments and appeals.
With vs Without Mortgage
In Champaign County, mortgaged homeowners pay 10% more than those without a mortgage, a gap that typically tracks higher home values rather than a different tax rate.
Champaign County's bill vs state & U.S. medians
Median annual bill bars around Champaign County's HEAVY ACS 2024 figure.
Champaign County's median bill is 18% below the Illinois median and 118% above the U.S. median.
Among the highest-taxed counties in the country
At 2.06%, Champaign County sits in the top 2% of all U.S. counties by effective property-tax rate. That is the rate, not the bill: a high rate on a modest home can still produce a smaller cheque than a low rate on an expensive one, which is why the $4,353 median bill is the number to compare against another county.
Champaign County vs Benchmarks
| Metric | Champaign County | Illinois Avg | U.S. Avg |
|---|---|---|---|
| Median Annual Tax Highest-decile bill | |||
| Effective Tax Rate Highest-decile rate | |||
| Median Home Value | |||
| Tax as % of income Highest-decile income burden | 6.8% | - | - |
Source: U.S. Census Bureau, ACS 5-Year Estimates. Tax-burden differences across rows reflect millage decisions, assessment-ratio practices, and the residential-vs-commercial mix of each tax base.
Is Champaign County's $4,353 median bill appeal-worthy?
At Champaign County's $4,353 ACS median (HEAVY), a 10% assessment cut is worth about $435/yr before exemptions. Appeal Savings Estimator · appeal guide for Illinois.
Champaign County bill trail · HEAVY
| Year | Median Tax (vs prior release) | Effective Rate |
|---|---|---|
| 2024 | $4,353 +2.5% | 2.06% |
| 2023 | $4,245 +2.3% | 2.07% |
| 2022 | $4,149 +7.7% | 2.15% |
| 2021 | $3,852 +3.8% | 2.26% |
| 2020 | $3,710 | 2.23% |
Each row is a separate ACS 5-year release, and consecutive releases share four of their five survey years. The percentage beside each bill is therefore movement in the published estimate against the previous release, not a single year's tax change. The two releases largely describe the same households. For change over time, compare releases that do not overlap.
Champaign County: tax takes 6.8% of income
Counties near Champaign County's median bill
On effective rate, Champaign County sits nearest Fulton County (NY), Rensselaer County (NY), Ontario County (NY).
On published median-tax change, the nearest matches are Outagamie County (WI), Noble County (OK), St. Tammany Parish (LA).
How peers are chosen
These are the nearest cross-state matches in the published Census data, not neighboring counties or recommendations. Peers are rebuilt with each data release; see the calculation method.
Similar effective rates
Similar published median-tax changes, 2020–2024
Champaign County: only 5% of returns show Schedule A real-estate tax
Tax year 2022: 4,110 of 86,550 returns from Champaign County reported real estate taxes, averaging $7,971 - 34% of those reporters sat in the $100-200k AGI band.
What this IRS county file does not say
Amounts are reported before the SALT cap, not deducted; the share is of filers, not homeowners. Source: IRS SOI county data, tax year 2022.
Other Counties in Illinois
Champaign County bill FAQs
- How does Champaign County property tax compare to the national average?
- Property taxes in Champaign County run far above the national median of $1,993, an effective rate of 2.06% versus 0.92% nationally.
- What percentage of income goes to property taxes in Champaign County?
- Property taxes in Champaign County run well above the commonly cited 2%-4% national benchmark, at about 6.8% of the $63,683 median household income.
- What is the average property tax in Champaign County, Illinois?
- The median annual property tax in Champaign County is $4,353, an effective rate of 2.06% on a $211,500 median home (Census ACS, 2024).
- What is the tax affordability score for Champaign County?
- Champaign County, Illinois scores F (10/100) on PlainPropertyTax's tax affordability composite across 5 Census ACS dimensions (effective rate, bill size, income share, mortgage gap, and home-value/income). Its strongest scored dimension here is mortgage premium at D (+$393). The score compares published county medians to U.S. percentiles, it is not a personal bill and not advice to buy, sell, appeal, or relocate.
- Are property taxes increasing in Champaign County?
- The ACS median property-tax bill for Champaign County climbed 17.3% between the 2020 and 2024 5-year releases, from $3,710 to $4,353, a 4-year span. These are survey estimates covering five years each, so this compares the two releases furthest apart rather than consecutive ones, which overlap and would mostly measure the same households twice.
What to do with Champaign County's HEAVY bill
Champaign County's $4,353 median bill sits well above the U.S. median - size a personal estimate before treating the county headline as your budget. Estimate your bill →
Income burden is elevated here: about 6.8% of Champaign County's $63,683 median household income goes to the property-tax bill.
Nationwide peers by median bill (then rate)
Bill-first peers for Champaign County's HEAVY median, then a disjoint out-of-state rate set, not the same-state geography lattice.
Similar effective rate
Nearest out-of-state counties by ACS effective rate. This county: 2.06%.
Similar median bill
Nearest out-of-state counties by ACS median annual tax. This county: $4,353/yr. Rate peers are excluded so the two link sets stay distinct.
Read with Champaign County
Nearest ABS(median_tax) ACS peers for Champaign County (PEAK · HEAVY), replacing the old fixed Keep exploring strip.
PEAK HEAVY
Riverside County, CA
ABS(median_tax) peer · $4,348/yr (near-tied bill ABS $5); rate 0.78% vs Champaign County 2.06%.
Guadalupe County, TX
ABS(median_tax) peer · $4,343/yr (near-tied bill ABS $10); rate 1.43% vs Champaign County 2.06%.
Charles County, MD
ABS(median_tax) peer · $4,339/yr (near-tied bill ABS $14); rate 1.01% vs Champaign County 2.06%.
Oakland County, MI
ABS(median_tax) peer · $4,371/yr (near-tied bill ABS $18); rate 1.27% vs Champaign County 2.06%.
Illinois county set
State ACS overview for every published Illinois county rate and median bill.
Appeal filing windows
Champaign County stamps PEAK · HEAVY - review notice deadlines before quoting the ACS median.
Data vintage and method
Data as of 2024. Source: U.S. Census Bureau, American Community Survey 5-Year Estimates.
Property tax data reflects median amounts paid by homeowners. Effective rates are calculated as median tax divided by median home value.
Source: U.S. Census Bureau American Community Survey 5-Year Estimates, county median real-estate taxes · 2024 Champaign County (PEAK · HEAVY) - ACS medians, not a parcel bill.