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Cook County, IL Property Tax Calculator

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Overview of Cook County, IL Taxes

There are more than 130 different municipalities in Cook County, Illinois including the city of Chicago, its county seat. The state of Illinois has one of the highest property tax rates in the U.S. The average effective property tax rate in Cook County is 2.01%.

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  • About This Answer

    To calculate the exact amount of property tax you will owe requires your property's assessed value and the property tax rates based on your property's address. Please note that we can only estimate your property tax based on median property taxes in your area. There are typically multiple rates in a given area, because your state, county, local schools and emergency responders each receive funding partly through these taxes. In our calculator, we take your home value and multiply that by your county's effective property tax rate. This is equal to the median property tax paid as a percentage of the median home value in your county.

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  • Our Tax Expert

    Jennifer Mansfield Tax

    Jennifer Mansfield, CPA, JD/LLM-Tax, is a Certified Public Accountant with more than 30 years of experience providing tax advice. SmartAsset’s tax expert has a degree in Accounting and Business/Management from the University of Wyoming, as well as both a Masters in Tax Laws and a Juris Doctorate from Georgetown University Law Center. Jennifer has mostly worked in public accounting firms, including Ernst & Young and Deloitte. She is passionate about helping provide people and businesses with valuable accounting and tax advice to allow them to prosper financially. Jennifer lives in Arizona and was recently named to the Greater Tucson Leadership Program.

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To calculate the exact amount of property tax you will owe requires your property's assessed value and the property tax rates based on your property's address. Please note that we can only estimate your property tax based on median property taxes in your area. There are typically multiple rates in a given area, because your state, county, local schools and emergency responders each receive funding partly through these taxes. In our calculator, we take your home value and multiply that by your county's effective property tax rate. This is equal to the median property tax paid as a percentage of the median home value in your county.

Cook County Property Tax Rates

Photo credit: ©iStock.com/andyKRAKOVSKI

The median amount of real estate taxes paid by Cook County residents is $4,464 and the median home value in the area is $222,200. That’s relatively low compared to average home values in other counties that include major cities, like New York County and Los Angeles County.

CountyMedian Home ValueMedian Annual Property Tax PaymentAverage Effective Property Tax Rate
Alsip $63,400$1,3032.06%
Arlington Heights $317,600$6,6942.11%
Barrington$475,400$7,9921.68%
Barrington Hills$760,600$10,0001.31%
Bartlett $260,400$7,2232.77%
Bedford Park$167,500$5,4363.25%
Bellwood$126,600$4,3143.41%
Bensenville$209,300$5,2492.51%
Berkeley$169,000$4,7732.82%
Berwyn $173,200$4,6992.71%
Blue Island $123,500$3,3672.73%
Bridgeview$167,600$4,6782.79%
Broadview$154,500$4,0752.64%
Brookfield $237,900$5,6962.39%
Buffalo Grove$295,500$7,4572.52%
Burbank $184,400$4,1452.25%
Burnham$111,800$2,8552.55%
Burr Ridge$670,900$10,0001.49%
Calumet City$105,100$3,4473.28%
Calumet Park$112,400$3,0232.69%
Chicago$225,700$3,3871.50%
Chicago Heights $111,400$3,6053.24%
Chicago Ridge$156,400$3,4462.20%
Cicero $131,800$4,1763.17%
Country Club Hills $132,900$4,2323.18%
Countryside$220,600$4,8182.18%
Crestwood$153,700$2,9451.92%
Deer Park$553,700$10,0001.81%
Deerfield$494,600$10,0002.02%
Des Plaines$236,800$5,1692.18%
Dixmoor$30,500$1,2254.02%
Dolton $99,900$3,4813.48%
East Dundee$169,700$4,2382.50%
East Hazel Crest$106,000$3,8763.66%
Elgin$171,000$5,0002.92%
Elk Grove Village$261,600$5,1451.97%
Elmhurst$366,900$6,9561.90%
Elmwood Park $215,800$5,1572.39%
Evanston$342,800$6,9022.01%
Evergreen Park $185,700$4,7312.55%
Flossmoor$242,500$8,2043.38%
Ford Heights$62,700$7451.19%
Forest Park$230,200$5,1032.22%
Forest View$171,800$4,5282.64%
Frankfort$348,600$8,8952.55%
Franklin Park $179,900$5,6313.13%
Glencoe $863,400$10,0001.16%
Glenview $469,200$7,9961.70%
Glenwood $132,600$3,9242.96%
Golf$765,600$10,0001.31%
Hanover Park $179,400$4,9802.78%
Harvey $81,000$2,2042.72%
Harwood Heights$258,000$5,2212.02%
Hazel Crest $123,600$3,3752.73%
Hickory Hills $212,800$5,2152.45%
Hillside $167,300$3,8422.30%
Hinsdale$76,600$1,3971.82%
Hodgkins$43,100$5,25812.20%
Hoffman Estates $255,200$5,9202.32%
Homer Glen$309,300$7,4362.40%
Hometown$119,600$2,5292.11%
Homewood $167,300$4,8802.92%
Indian Head Park$240,700$4,5441.89%
Inverness$611,200$10,0001.64%
Justice$179,900$4,7372.63%
Kenilworth $1,000,000$10,0001.00%
La Grange $424,900$8,9862.11%
La Grange Park $316,800$6,4652.04%
Lansing $134,600$3,8742.88%
Lemont$342,100$6,1491.80%
Lincolnwood $365,600$7,6172.08%
Lynwood$133,800$5,0803.80%
Lyons$165,700$4,2142.54%
Markham$103,200$2,8572.77%
Matteson $162,100$4,8793.01%
Maywood $141,300$4,0532.87%
McCook$225,000$5,7352.55%
Melrose Park $173,800$4,2262.43%
Merrionette Park$122,300$2,9722.43%
Midlothian$155,700$3,7692.42%
Morton Grove $293,000$6,3822.18%
Mount Prospect $290,800$6,2212.14%
Niles $257,100$5,1051.99%
Norridge $246,600$4,9542.01%
North Riverside$221,700$4,1331.86%
Northbrook$522,300$8,8731.70%
Northfield$648,900$9,4071.45%
Northlake$165,400$5,2633.18%
Northlake$165,400$5,2633.18%
Oak Brook$795,500$10,0001.26%
Oak Forest $191,200$5,1102.67%
Oak Lawn $190,600$4,5742.40%
Oak Park$354,400$8,7622.47%
Olympia Fields $234,900$7,2823.10%
Orland Hills$216,500$4,9832.30%
Orland Park $275,700$5,9412.15%
Palatine $269,200$5,9272.20%
Palos Heights $285,300$5,9342.08%
Palos Hills $195,100$4,3612.24%
Palos Park $375,700$6,9851.86%
Park Forest $82,200$3,1083.78%
Park Ridge$388,900$8,4092.16%
Phoenix$75,300$1,7872.37%
Posen $112,000$2,8962.59%
Prospect Heights $258,600$5,5022.13%
Richton Park $151,300$4,7403.13%
River Forest $569,000$10,0001.76%
River Grove $193,500$4,6922.42%
Riverdale $88,200$3,1853.61%
Riverside $364,400$8,9952.47%
Robbins $74,300$1,5162.04%
Rolling Meadows $225,200$4,9162.18%
Roselle$239,600$5,2642.20%
Rosemont$287,500$5,1061.78%
Sauk Village$81,200$2,4312.99%
Schaumburg $240,200$5,1402.14%
Schiller Park$191,400$5,0852.66%
Skokie $280,400$6,2162.22%
South Barrington$800,600$10,0001.25%
South Chicago Heights$100,200$2,7912.79%
South Holland $154,300$4,4252.87%
Steger$107,500$3,0372.83%
Stickney$162,000$4,5572.81%
Stone Park$145,700$4,6803.21%
Streamwood$181,800$4,7162.59%
Summit $160,200$4,8103.00%
Thornton $117,300$3,4502.94%
Tinley Park$225,200$6,0692.69%
University Park$116,000$3,9713.42%
Westchester $222,600$4,4412.00%
Western Springs$500,600$9,1261.82%
Wheeling $178,000$4,5342.55%
Willow Springs$312,100$6,1981.99%
Wilmette $609,200$10,0001.64%
Winnetka $941,800$10,0001.06%
Woodridge$252,300$6,3662.52%
Worth$164,800$4,7022.85%

In Cook County, the county clerk sets the property tax rates after reviewing local levy ordinances and property valuations. If you have an issue with the way that the county assessed your property and how that affects your property tax rate, you can try disputing it by contacting the Cook County Assessor’s Office or the Cook County Board of Review.

After collecting property taxes, the Cook County treasurer divides up the funds so that more than 2,000 local taxing authorities can use them.

Cook County Property Tax Breaks

Photo credit: ©iStock.com/marchello74

Cook County offers its property owners a number of tax-saving initiatives. For example, seniors who are having a hard time paying their property taxes can find out whether they can participate in the Senior Citizen Real Estate Tax Deferral Program. Through this program, they can defer up to $5,000 on their primary residence within a single tax year.

The tax deferral program for seniors functions like a loan program. Once the home is sold (or the senior dies), the state receives the money it essentially loaned to allow the property tax payment to be deferred. In order to participate, seniors must submit their applications by March 1.

Other residents can reduce their tax burden by trying to qualify for one of the county’s exemptions. A homeowner exemption is available for folks whose primary residence is a condo, townhouse, single-family home or unit within a six-unit apartment building. Individuals who qualify for the exemption can potentially save as much as $2,000 per year.

Another exemption is designed for individuals who want to renovate or upgrade their homes. Through this home improvement exemption, homeowners can avoid having their property tax bills increase within four or more years of making changes to their homes (as long as these improvements are worth no more than $75,000).

If seniors aren’t eligible for the tax deferral program, they can find out whether they qualify for two other special exemptions. One is the Senior Citizen Homestead Exemption, which alone can save the average senior as much as $300 per year. The other exemption for older Cook County property owners is the Senior Citizen Assessment Freeze Exemption. This tax break fixes the value of an individual property so that an owner’s property taxes barely change or decrease as time passes.

If you want to take advantage of the county’s exemptions, you can find more information about them on the Cook County Treasurer website. Just keep in mind that you’ll need to reapply for them every year in order to benefit from the tax savings.

Paying Your Cook County Property Taxes

Photo credit: ©iStock.com/Steve Geer

Cook County property taxes are paid in two different installments. Taxpayers are required to pay an estimated installment by March 1 and another installment in the fall.

The second installment due date can vary from year to year. That happens because final property tax bills are based on updated property values and tax rates. So you’ll need to check the Cook County Treasurer website to avoid missing the due date. The first installment is supposed to be equal to 55% of the total property tax bill from the previous tax year.

Tax payments can be made in four ways. If you’re mailing your payment, you’ll need to make sure it’s postmarked by the installment due date. Certain community banks allow Cook County residents to make payments straight from their savings or checking accounts. Chase Bank also provides this service in hundreds of local branches.

You also have the option of making an online payment. In order to pay your property tax bill, you’ll need to have access to your PIN number. This 14-digit number should be located on your property’s deed.

If you miss the due date for your property tax payment, you’ll need to pay the late payment amount listed on your bill. This amount will correspond to the date that you submit or mail your tax payment. Sometimes property taxes are sold when a taxpayer fails to make a payment on time or doesn’t make a payment at all. If your taxes have been sold, you’ll need to redeem the taxes and pay any fees you owe or risk losing your property altogether.

If you end up paying more property taxes than you owe, you can apply for a property tax refund. The process is simple. You’ll need to download the refund application form, provide proof that you’ve paid your property taxes (by including a copy of a cashier’s register receipt or a canceled check, for example) and either mail or submit your application in person at the Cook County Treasurer’s Office.

Property Tax: Which Counties are Getting the Best Bang for Their Buck

SmartAsset’s interactive map highlights the places across the country where property tax dollars are being spent most effectively. Zoom between states and the national map to see the counties getting the biggest bang for their property tax buck.

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Rank County Property Tax Rate School Rating Crimes Per 100k People

Methodology

Our study aims to find the places in the United States where people are getting the most for their property tax dollars. To do this we looked at school rankings, crime rates and property taxes for every county.

As a way to measure the quality of schools, we calculated the average math and reading/language arts proficiencies for all the school districts in the country. Within each state, these schools were then ranked between 1 and 10 (with 10 being the best) based on those average scores.

For each county, we calculated the violent and property crimes per 100,000 residents.

Using the school and crime numbers, we calculated a community score. This is the ratio of the school rank to the combined crime rate per 100,000 residents.

We used the number of households, median home value and average property tax rate to calculate a per capita property tax collected for each county.

Finally, we calculated a tax value by creating a ratio of the community score to the per capita property tax paid. This shows us the counties in the country where people are getting the most bang for their buck, or where their property tax dollars are going the furthest.

Sources: US Census Bureau 2016 American Community Survey, Department of Education, Federal Bureau of Investigation, State Police or Justice Department websites