Illinois · County property tax · ACS 2024
McHenry County Property Taxes
The median homeowner in McHenry County pays $7,274 a year, an effective rate of 2.36%, far above the U.S. average.
- $7,274
- Median tax / yr · Highest-decile bill
- 2.36%
- Effective rate · Highest-decile rate
- +265%
- vs U.S. average
- #6 of 102
- rank in IL
The verdict
Homeowners in McHenry County pay a median $7,274 a year in property tax, an effective rate of 2.36%, more affordable than 1% of U.S. counties (Census ACS 2024).
- $7,274
- Median annual tax bill, 2024
- 2.36%
- Effective rate on median home
- #3111 of 3135
- U.S. counties by tax burden
- +265%
- vs the national average bill
Effective rate is the median property tax bill divided by the median home value ($308,100). U.S. Census Bureau, ACS 5-Year Estimates · 2024.
Census Bureau ACS property tax data for Illinois. Population: 312,591. Owner-occupied homes: 97,259.
The median annual property tax in McHenry County is $7,274, which is 37% higher than the Illinois state average and 265% above the national average. The effective tax rate is 2.36% on a median home value of $308,100. Property taxes represent 6.9% of the median household income in this county.
Why McHenry County's ACS bill runs high vs the U.S.
Primary signal
The bill sits well above the national median
Homeowners in McHenry County pay a median annual property tax of $7,274, far above the national median and well above the Illinois state median. On a $308,100 median home, that works out to an effective rate of 2.36% once the local assessment base and millage are combined.
Decision signal 2
Income carries a heavy tax share
Property taxes in McHenry County run well above the commonly cited 2%-4% national benchmark, at about 6.9% of the $104,802 median household income.
Decision signal 3
The effective rate is a national headwind
McHenry County's 2.36% effective rate is among the highest of 3,135 tracked counties: only about 99% pay more.
Decision signal 4
Low among Illinois counties by effective rate
McHenry County ranks #6 of 102 counties in Illinois by effective rate (94% of in-state counties pay a lower rate).
Informational notice
Figures describe the median homeowner household in McHenry 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
McHenry County's effective rate fell 15.5% across the 4-year span while its median home value rose 31.7%, leaving the median bill 11.2% higher at $7,274. That rate move is larger than the one in 66% 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 $6,541 to $7,274, a gain of 11%. 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: 87,035 of 97,259 owner-occupied homes (89.5%) 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.
Both figures are in the national top quarter, and the median bill still equals only 6.9% of median household income. A high rate on high earnings produces a large dollar figure, and only the dollar figure tends to get quoted; the ratio above is the other half.
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 McHenry County Homeowners Actually Pay
The single largest group of McHenry County homeowners, 87,035 of 97,259 owner-occupied homes (89.5%), pays $3,000 or more a year. The median is one point in this spread, not a typical bill.
- Less than $800 1.6% (1,556)
- $800 to $1,499 1.8% (1,752)
- $1,500 to $1,999 1.1% (1,100)
- $2,000 to $2,999 3.7% (3,558)
- $3,000 or more 89.5% (87,035)
Census ACS 2024, table B25102. Bands and the no-tax share sum to 100%.
2,258 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
Mortgaged and non-mortgaged homeowners in McHenry County pay about the same bill, a 9% gap.
McHenry County's bill vs state & U.S. medians
Median annual bill bars around McHenry County's SPIKE ACS 2024 figure.
McHenry County's median bill is 37% above the Illinois median and 265% above the U.S. median.
Among the highest-taxed counties in the country
At 2.36%, McHenry County sits in the top 1% 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 $7,274 median bill is the number to compare against another county.
McHenry County vs Benchmarks
| Metric | McHenry 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 | 6.9% | - | - |
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.
Is McHenry County's $7,274 median bill appeal-worthy?
At McHenry County's $7,274 ACS median (SPIKE), a 10% assessment cut is worth about $727/yr before exemptions. Appeal Savings Estimator · appeal guide for Illinois.
McHenry County bill trail · SPIKE
| Year | Median Tax (vs prior release) | Effective Rate |
|---|---|---|
| 2024 | $7,274 +1.7% | 2.36% |
| 2023 | $7,153 +1.2% | 2.49% |
| 2022 | $7,068 +5.6% | 2.61% |
| 2021 | $6,695 +2.4% | 2.77% |
| 2020 | $6,541 | 2.80% |
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.
McHenry County: tax takes 6.9% of income
Counties near McHenry County's median bill
On effective rate, McHenry County sits nearest Mercer County (NJ), Schenectady County (NY), Warren County (NJ).
On published median-tax change, the nearest matches are Butler County (KY), Mississippi County (AR), Monroe County (MS).
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
McHenry County: only 9% of returns show Schedule A real-estate tax
Tax year 2022: 13,930 of 160,510 returns from McHenry County reported real estate taxes, averaging $8,712 - 33% 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
McHenry County bill FAQs
- How does McHenry County property tax compare to the national average?
- Property taxes in McHenry County run far above the national median of $1,993, an effective rate of 2.36% versus 0.92% nationally.
- What is the average property tax in McHenry County, Illinois?
- The median annual property tax in McHenry County is $7,274, an effective rate of 2.36% on a $308,100 median home (Census ACS, 2024).
- What percentage of income goes to property taxes in McHenry County?
- Property taxes in McHenry County run well above the commonly cited 2%-4% national benchmark, at about 6.9% of the $104,802 median household income.
- What is the tax affordability score for McHenry County?
- McHenry County, Illinois scores F (8/100) 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 D (2.94×). 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 McHenry County?
- The ACS median property-tax bill for McHenry County climbed 11.2% between the 2020 and 2024 5-year releases, from $6,541 to $7,274, 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 McHenry County's SPIKE bill
McHenry County's $7,274 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 6.9% of McHenry County's $104,802 median household income goes to the property-tax bill.
Nationwide peers by median bill (then rate)
Bill-first peers for McHenry County's SPIKE 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: 2.36%.
Similar median bill
Nearest out-of-state counties by ACS median annual tax. This county: $7,274/yr. Rate peers are excluded so the two link sets stay distinct.
Read with McHenry County
Nearest ABS(median_tax) ACS peers for McHenry County (PEAK · SPIKE), replacing the old fixed Keep exploring strip.
PEAK SPIKE
Teton County, WY
ABS(median_tax) peer · $7,267/yr (near-tied bill ABS $7); rate 0.44% vs McHenry County 2.36%.
Norfolk County, MA
ABS(median_tax) peer · $7,261/yr (near-tied bill ABS $13); rate 1.06% vs McHenry County 2.36%.
Williamson County, TX
ABS(median_tax) peer · $7,205/yr (lower bill ABS $69); rate 1.61% vs McHenry County 2.36%.
Fairfax County, VA
ABS(median_tax) peer · $7,368/yr (higher bill ABS $94); rate 1.01% vs McHenry County 2.36%.
Illinois county set
State ACS overview for every published Illinois county rate and median bill.
Appeal filing windows
McHenry County stamps PEAK · SPIKE - 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 McHenry County (PEAK · SPIKE) - ACS medians, not a parcel bill.