Illinois · County property tax · ACS 2024
Jo Daviess County Property Taxes
The median homeowner in Jo Daviess County pays $3,613 a year, an effective rate of 1.72%, far above the U.S. average.
- $3,613
- Median tax / yr · Highest-decile bill
- 1.72%
- Effective rate · Highest-decile rate
- +81%
- vs U.S. average
- #61 of 102
- rank in IL
The verdict
Homeowners in Jo Daviess County pay a median $3,613 a year in property tax, an effective rate of 1.72%, more affordable than 6% of U.S. counties (Census ACS 2024).
- $3,613
- Median annual tax bill, 2024
- 1.72%
- Effective rate on median home
- #2959 of 3135
- U.S. counties by tax burden
- +81%
- vs the national average bill
Effective rate is the median property tax bill divided by the median home value ($209,900). U.S. Census Bureau, ACS 5-Year Estimates · 2024.
Census Bureau ACS property tax data for Illinois. Population: 21,851. Owner-occupied homes: 8,352.
The median annual property tax in Jo Daviess County is $3,613, which is 32% lower than the Illinois state average and 81% above the national average. The effective tax rate is 1.72% on a median home value of $209,900. Property taxes represent 4.9% of the median household income in this county.
Jo Daviess County's rate standing among U.S. counties
Primary signal
The effective rate is a national headwind
Jo Daviess County's 1.72% effective rate is among the highest of 3,135 tracked counties: only about 94% pay more.
Decision signal 2
The bill sits well above the national median
Homeowners in Jo Daviess County pay a median annual property tax of $3,613, far above the national median and well below the Illinois state median. On a $209,900 median home, that works out to an effective rate of 1.72% once the local assessment base and millage are combined.
Decision signal 3
Income and the tax bill sit in the middle band
Property taxes in Jo Daviess County run a bit above the commonly cited 2%-4% national benchmark, at about 4.9% of the $73,993 median household income.
Decision signal 4
Near the middle of Illinois counties by effective rate
Jo Daviess County ranks #61 of 102 counties in Illinois by effective rate (40% of in-state counties pay a lower rate).
Informational notice
Figures describe the median homeowner household in Jo Daviess 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.
A falling rate took the edge off
Jo Daviess County's effective rate fell 12.5% across the 4-year span while its median home value rose 34.3%, leaving the median bill 17.5% higher at $3,613. That rate move is larger than the one in 51% of counties, so a good deal of the market's rise never reached the bill.
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 $3,074 to $3,613, a gain of 18%. 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: 4,841 of 8,352 owner-occupied homes (58.0%) 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.
The rate is in the national top quarter while earnings are only moderately above the midpoint, so the median bill claims 4.9% of median household income. A high rate is affordable only relative to something, and this is what it is relative to 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 Jo Daviess County Homeowners Actually Pay
The single largest group of Jo Daviess County homeowners, 4,841 of 8,352 owner-occupied homes (58.0%), pays $3,000 or more a year. The median is one point in this spread, not a typical bill.
- Less than $800 7.1% (590)
- $800 to $1,499 11.0% (922)
- $1,500 to $1,999 6.7% (557)
- $2,000 to $2,999 15.2% (1,273)
- $3,000 or more 58.0% (4,841)
Census ACS 2024, table B25102. Bands and the no-tax share sum to 100%.
169 homes here (2.0%) report no real estate tax at all. Exemptions are set by state: how Illinois handles assessments and appeals.
With vs Without Mortgage
In Jo Daviess County, mortgaged homeowners pay 12% more than those without a mortgage, a gap that typically tracks higher home values rather than a different tax rate.
Jo Daviess County's effective rate vs peers
Effective property tax rate (median tax ÷ median home value), ACS 2024.
Jo Daviess County's effective rate is higher than 40% of the 102 counties in Illinois - ranking #61 of 102.
Where Jo Daviess County sits among every U.S. county
Effective property tax rate (median tax ÷ median home value)
1.72% more affordable than 6% of 3,135 U.S. counties
Show national distribution
Each bar is a band; taller bars hold more U.S. counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2024
Among the highest-taxed counties in the country
At 1.72%, Jo Daviess County sits in the top 6% 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 $3,613 median bill is the number to compare against another county.
Jo Daviess County vs Benchmarks
| Metric | Jo Daviess 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 | 4.9% | - | - |
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.
Jo Daviess County's STEEP · HEAVY lane - is an appeal worth running?
On Jo Daviess County's published figures (STEEP · HEAVY), a $209,900 median home carries a $3,613 median bill, so every 10% off an assessed value is worth about $361 a year at the same rate. Appeal Savings Estimator · appeal guide for Illinois.
Jo Daviess County rate trail · STEEP
| Year | Median Tax (vs prior release) | Effective Rate |
|---|---|---|
| 2024 | $3,613 +6.8% | 1.72% |
| 2023 | $3,383 +0.4% | 1.74% |
| 2022 | $3,370 +5.4% | 1.88% |
| 2021 | $3,197 +4.0% | 2.01% |
| 2020 | $3,074 | 1.97% |
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.
Jo Daviess County: tax takes 4.9% of income
Counties near Jo Daviess County's effective rate
On effective rate, Jo Daviess County sits nearest Dillingham Census Area (AK), Montgomery County (KS), Grafton County (NH).
On published median-tax change, the nearest matches are Valencia County (NM), Leslie County (KY), Van Wert County (OH).
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
Jo Daviess County: only 4% of returns show Schedule A real-estate tax
Tax year 2022: 490 of 12,590 returns from Jo Daviess County reported real estate taxes, averaging $6,976 - 35% 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
Jo Daviess County rate FAQs
- How does Jo Daviess County property tax compare to the national average?
- Property taxes in Jo Daviess County run far above the national median of $1,993, an effective rate of 1.72% versus 0.92% nationally.
- What is the average property tax in Jo Daviess County, Illinois?
- The median annual property tax in Jo Daviess County is $3,613, an effective rate of 1.72% on a $209,900 median home (Census ACS, 2024).
- What is the tax affordability score for Jo Daviess County?
- Jo Daviess County, Illinois scores F (16/100) 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 housing pressure at C- (2.84×). 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.
- What percentage of income goes to property taxes in Jo Daviess County?
- Property taxes in Jo Daviess County run a bit above the commonly cited 2%-4% national benchmark, at about 4.9% of the $73,993 median household income.
- Are property taxes increasing in Jo Daviess County?
- The ACS median property-tax bill for Jo Daviess County climbed 17.5% between the 2020 and 2024 5-year releases, from $3,074 to $3,613, 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 Jo Daviess County's STEEP rate
Jo Daviess County's $3,613 median bill sits well above the U.S. median - size a personal estimate before treating the county headline as your budget. Estimate your bill →
Jo Daviess County ranks #61 of 102 Illinois counties by effective rate - on the lower-burden half of the state ACS set. Illinois overview →
Nationwide peers by effective rate (then bill)
Rate-first peers for Jo Daviess County's STEEP effective rate, then a disjoint out-of-state bill set so the two neighborhoods stay distinct.
Similar effective rate
Nearest out-of-state counties by ACS effective rate. This county: 1.72%.
Similar median bill
Nearest out-of-state counties by ACS median annual tax. This county: $3,613/yr. Rate peers are excluded so the two link sets stay distinct.
Read with Jo Daviess County
Nearest ABS(median_tax) ACS peers for Jo Daviess County (STEEP · HEAVY), replacing the old fixed Keep exploring strip.
STEEP HEAVY
Platte County, MO
ABS(median_tax) peer · tied with Jo Daviess County at $3,613/yr; rate 1.05% vs Jo Daviess County 1.72%.
Randall County, TX
ABS(median_tax) peer · $3,610/yr (near-tied bill ABS $3); rate 1.51% vs Jo Daviess County 1.72%.
Gwinnett County, GA
ABS(median_tax) peer · $3,617/yr (near-tied bill ABS $4); rate 0.95% vs Jo Daviess County 1.72%.
Clinton County, NY
ABS(median_tax) peer · $3,606/yr (near-tied bill ABS $7); rate 2.00% vs Jo Daviess County 1.72%.
Illinois county set
State ACS overview for every published Illinois county rate and median bill.
Appeal filing windows
Jo Daviess County stamps STEEP · 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 Jo Daviess County (STEEP · HEAVY) - ACS medians, not a parcel bill.