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Illinois Income Tax Calculator

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Overview of Illinois Taxes

Illinois has a flat income tax. This means that no matter how much money you make, you pay the same rate. Sales and property taxes in Illinois are among the highest in the nation. Retired? Use our Retirement Income Tax Calculator.

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Your Income Taxes Breakdown

Tax Type Marginal 
Tax Rate
Effective 
Tax Rate
2018 
Taxes*
Federal
FICA
State
Local
Total Income Taxes
Income After Taxes
Retirement Contributions
Take-Home Pay

* These are the taxes owed for the 2018 - 2019 filing season.

Changes to Your Federal Income
Taxes Under the 2018 Tax Reform

  • Your marginal federal income tax rate
  • Your effective federal income tax rate
  • Your federal income taxes

Total Estimated 2018 Tax Burden

Income Tax $
Sales Tax $
Fuel Tax $
Property Tax$
Total Estimated Tax Burden $
Percent of income to taxes = %
$
  • Our Tax Expert

    Jennifer Mansfield, CPA 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.

    ...read more
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Illinois state tax quick facts
  • Income tax: 4.95%, flat rate
  • Sales tax: 6.25% - 11%
  • Property tax: 2.31% average effective rate
  • Gas tax: 37.51 cents per gallon of regular gasoline, 40.38 cents per gallon of diesel

The state of Illinois has a flat income tax, which means that everyone, regardless of income, is taxed at the same rate. That makes it relatively easy to predict the income tax you will have to pay. The income tax rate in Illinois is 4.95%, after an increase (from 3.75%) in 2017. Illinois also has higher-than-average sales taxes (11th highest in the country when including local rates) and property taxes (second highest in the country).

Illinois Income Tax

The income tax system in Illinois emphasizes simplicity. The state’s flat rate of 4.95% means that you don’t need any tables (or a tax accountant) to figure out what rate you will be paying. Also, the system’s heavy reliance on the federal tax code means you won’t need to learn a new set of rules for filing your state return. On the other hand, the flat rate does have drawbacks: Low earners can expect to pay more in Illinois than in many other states that have a progressive income tax.

When filing an income tax return in Illinois, taxpayers begin with their federal adjusted gross income (AGI, or taxable income, is income minus certain deductions). From there, certain items may be added back in, and others may be subtracted. Among the most important items that are taxable federally but not in Illinois are retirement and Social Security income, as well as distributions from a 529 college savings plan. As a final step, taxpayers can claim an additional personal exemption of $2,225, as long as they are listed as a dependent on their own tax return.

Illinois Tax Credits

There are several important tax credits in Illinois. These reduce a taxpayer’s total tax bill by some amount. (This is in contrast to tax deductions, which only reduce a taxpayer’s taxable income.) For example, the Illinois Property Tax Credit is equal to 5% of Illinois property tax paid on a principal residence. If you paid $1,000 in property taxes in 2018, you could claim a credit of $50 on your income tax return – that’s $50 less that you end up paying in taxes.

The Earned Income Tax Credit is currently 18% of the federal credit by the same name. The Education Expense Credit provides a credit to parents who spent over $250 on eligible K-12 education expenses.

Illinois Sales Tax

As simple as Illinois tries to make income tax, the state seems to take the opposite approach with sales taxes. There are three rate structures depending on what you are buying. The three categories are qualifying food and drugs, vehicles and general merchandise.

Groceries, drugs and medicine are all subject to a statewide tax rate of 1% of purchase price, in addition to local taxes of up to 1.25%, for a total tax of up to 2.25%. There are some food items that don’t count as a qualifying food. For example, candy and soda are generally subject to the higher “general merchandise” rate (we’ll get to that in a second), but any candy containing flour (like a Kit Kat) is not, for sales tax purposes, classified as candy.

Vehicles also have their own tax rate. In general, the rate ranges from 6.25% to over 8.5%, depending on where the vehicle is purchased. Owner-to-owner sales, however, are subject to a lower rate, which depends on the price of the vehicle and, in some situations, the model year.

The general merchandise sales tax applies to almost all other products purchased for use in Illinois. The base rate is 6.25%. However most areas have additional local taxes between 1% and 4.75%. The highest combined sales tax in Illinois is 11%, in the city of River Grove), and Chicago’s top sales tax rate is 10.25%.

Below is a table of the general merchandise sales tax rates for all of the counties in Illinois and the largest cities.

Sales Tax Rates (Updated January 2019)

CountyState RateCounty RateTotal Sales Tax
Adams6.25%0.25%6.50%
Alexander6.25%0.00%6.25%
Bond6.25%1.00%7.25%
Boone6.25%1.50%7.75%
Brown6.25%1.25%7.50%
Bureau6.25%0.50%6.75%
Calhoun6.25%1.75%8.00%
Carroll6.25%0.25%6.50%
Cass6.25%2.00%8.25%
Champaign6.25%1.25%7.50%
Christian6.25%1.00%7.25%
Clark6.25%1.00%7.25%
Clay6.25%0.50%6.75%
Clinton6.25%0.00%6.25%
Coles6.25%1.00%7.25%
Cook6.25%2.75%9.00%
Crawford6.25%0.00%6.25%
Cumberland6.25%1.00%7.25%
De Witt6.25%0.00%6.25%
DeKalb6.25%0.00%6.25%
Douglas6.25%1.00%7.25%
DuPage6.25%0.75%7.00%
Edgar6.25%1.00%7.25%
Edwards6.25%1.00%7.25%
Effingham6.25%0.25%6.50%
Fayette6.25%0.00%6.25%
Ford6.25%0.00%6.25%
Franklin6.25%1.00%7.25%
Fulton6.25%1.50%7.75%
Gallatin6.25%1.00%7.25%
Greene6.25%1.00%7.25%
Grundy6.25%0.00%6.25%
Hamilton6.25%1.00%7.25%
Hancock6.25%0.00%6.25%
Hardin6.25%2.00%8.25%
Henderson6.25%1.00%7.25%
Henry6.25%1.00%7.25%
Iroquois6.25%0.25%6.50%
Jackson6.25%1.00%7.25%
Jasper6.25%0.00%6.25%
Jefferson6.25%0.50%6.75%
Jersey6.25%1.75%8.00%
Jo Daviess6.25%1.00%7.25%
Johnson6.25%1.50%7.75%
Kane6.25%0.75%7.00%
Kankakee6.25%0.00%6.25%
Kendall6.25%1.00%7.25%
Knox6.25%1.50%7.75%
Lake6.25%0.75%7.00%
LaSalle6.25%0.25%6.50%
Lawrence6.25%1.00%7.25%
Lee6.25%1.50%7.75%
Livingston6.25%1.00%7.25%
Logan6.25%1.50%7.75%
Macon6.25%1.50%7.75%
Macoupin6.25%1.00%7.25%
Madison6.25%0.60%6.85%
Marion6.25%0.25%6.50%
Marshall6.25%0.00%6.25%
Mason6.25%1.00%7.25%
Massac6.25%0.00%6.25%
McDonough6.25%1.75%8.00%
McHenry6.25%0.75%7.00%
McLean6.25%0.00%6.25%
Menard6.25%1.00%7.25%
Mercer6.25%1.00%7.25%
Monroe6.25%1.25%7.50%
Montgomery6.25%1.00%7.25%
Morgan6.25%1.00%7.25%
Moultrie6.25%0.50%6.75%
Ogle6.25%0.00%6.25%
Peoria6.25%1.00%7.25%
Perry6.25%1.50%7.75%
Piatt6.25%1.00%7.25%
Pike6.25%1.50%7.75%
Pope6.25%0.00%6.25%
Pulaski6.25%0.00%6.25%
Putnam6.25%0.00%6.25%
Randolph6.25%1.00%7.25%
Richland6.25%1.50%7.75%
Rock Island6.25%1.00%7.25%
Saline6.25%1.75%8.00%
Sangamon6.25%0.00%6.25%
Schuyler6.25%1.00%7.25%
Scott6.25%1.00%7.25%
Shelby6.25%1.00%7.25%
St. Clair6.25%1.10%7.35%
Stark6.25%0.50%6.75%
Stephenson6.25%0.50%6.75%
Tazewell6.25%0.50%6.75%
Union6.25%1.25%7.50%
Vermilion6.25%0.25%6.50%
Wabash6.25%1.00%7.25%
Warren6.25%1.00%7.25%
Washington6.25%0.00%6.25%
Wayne6.25%0.75%7.00%
White6.25%1.00%7.25%
Whiteside6.25%1.00%7.25%
Will6.25%0.75%7.00%
Williamson6.25%1.00%7.25%
Winnebago6.25%1.00%7.25%
Woodford6.25%2.00%8.25%
CityState RateCounty + City RateTotal Sales Tax
Addison6.25%1.75%8.00%
Algonquin6.25%1.50%7.75%
Alton6.25%1.60%7.85%
Arlington Heights6.25%3.75%10.00%
Aurora6.25%2.00%8.25%
Bartlett6.25%3.75%10.00%
Batavia6.25%1.75%8.00%
Belleville6.25%1.85%8.10%
Belvidere6.25%1.50%7.75%
Berwyn6.25%3.75%10.00%
Bloomington6.25%2.50%8.75%
Bolingbrook6.25%2.25%8.50%
Buffalo Grove6.25%1.75%8.00%
Burbank6.25%3.50%9.75%
Calumet City6.25%3.75%10.00%
Carbondale6.25%3.50%9.75%
Carol Stream6.25%1.75%8.00%
Carpentersville6.25%2.75%9.00%
Champaign6.25%2.75%9.00%
Chicago6.25%4.00%10.25%
Chicago Heights6.25%3.75%10.00%
Cicero6.25%4.50%10.75%
Collinsville6.25%1.85%8.10%
Crystal Lake6.25%1.50%7.75%
Danville6.25%3.00%9.25%
Decatur6.25%3.00%9.25%
DeKalb6.25%1.75%8.00%
Des Plaines6.25%3.75%10.00%
Downers Grove6.25%1.75%8.00%
East St. Louis6.25%2.60%8.85%
Edwardsville6.25%0.85%7.10%
Elgin6.25%2.25%8.50%
Elk Grove Village6.25%3.75%10.00%
Elmhurst6.25%1.75%8.00%
Elmwood Park6.25%3.75%10.00%
Evanston6.25%3.75%10.00%
Freeport6.25%1.75%8.00%
Galesburg6.25%2.50%8.75%
Glen Ellyn6.25%2.00%8.25%
Glendale Heights6.25%2.00%8.25%
Glenview6.25%3.50%9.75%
Granite City6.25%2.10%8.35%
Gurnee6.25%1.75%8.00%
Hanover Park6.25%1.50%7.75%
Harvey6.25%3.75%10.00%
Highland Park6.25%1.75%8.00%
Hoffman Estates6.25%3.75%10.00%
Homer Glen6.25%1.75%8.00%
Huntley6.25%0.75%7.00%
Joliet6.25%2.50%8.75%
Kankakee6.25%2.00%8.25%
Lake in the Hills6.25%1.75%8.00%
Lansing6.25%3.25%9.50%
Lockport6.25%1.75%8.00%
Lombard6.25%1.75%8.00%
Loves Park6.25%2.00%8.25%
McHenry6.25%1.25%7.50%
Melrose Park6.25%4.25%10.50%
Moline6.25%2.25%8.50%
Mount Prospect6.25%3.75%10.00%
Mundelein6.25%1.75%8.00%
Naperville6.25%1.50%7.75%
New Lenox6.25%2.75%9.00%
Niles6.25%4.00%10.25%
Normal6.25%2.50%8.75%
North Chicago6.25%0.75%7.00%
Northbrook6.25%3.75%10.00%
Oak Forest6.25%3.75%10.00%
Oak Lawn6.25%3.50%9.75%
Oak Park6.25%3.75%10.00%
O'Fallon6.25%1.60%7.85%
Orland Park6.25%3.50%9.75%
Oswego6.25%2.25%8.50%
Palatine6.25%3.75%10.00%
Park Ridge6.25%3.75%10.00%
Pekin6.25%2.25%8.50%
Peoria6.25%2.75%9.00%
Plainfield6.25%2.25%8.50%
Quincy6.25%1.75%8.00%
Rock Island6.25%2.25%8.50%
Rockford6.25%2.00%8.25%
Romeoville6.25%2.25%8.50%
Round Lake Beach6.25%1.25%7.50%
Saint Charles6.25%1.75%8.00%
Schaumburg6.25%3.75%10.00%
Skokie6.25%4.00%10.25%
Springfield6.25%2.50%8.75%
Streamwood6.25%3.75%10.00%
Tinley Park6.25%3.50%9.75%
Urbana6.25%2.75%9.00%
Vernon Hills6.25%1.00%7.25%
Waukegan6.25%2.25%8.50%
West Chicago6.25%1.50%7.75%
Westmont6.25%1.25%7.50%
Wheaton6.25%1.75%8.00%
Wheeling6.25%3.75%10.00%
Wilmette6.25%3.75%10.00%
Woodridge6.25%1.50%7.75%
Woodstock6.25%1.75%8.00%
Zion6.25%0.75%7.00%

Illinois Property Tax

The average effective property tax rate of 2.31% in Illinois is second highest in the nation, behind only New Jersey. That means that homeowners in the Prairie State on average pay 2.31% of their home value in property taxes.

Property taxes are collected by multiple local authorities: city governments, county governments, municipal transportation districts and even a collection of taxing authorities called “mosquito abatement districts” (which, as you might have guessed, kill mosquitoes). In total, there are almost 8,500 different authorities with the power to levy taxes in Illinois, more than in any other state.

Our Illinois mortgage rates guide has important information about mortgages in the Prairie State that will help make the process of getting a mortgage a bit easier – whether you’re looking to purchase a property or refinance.

Calculate Your Property Taxes: Illinois Property Tax Calculator

Illinois Estate Tax

Illinois is one of 15 states with an estate tax (six others have an inheritance tax). As of 2018, estates worth less than $4 million are exempt. Estates over that amount must file an Illinois estate tax return and face tax rates up to 16%. But not all estates that file a return will pay taxes. Certain tax deductions may reduce the taxable estate below the taxable limit, and property or assets left to the husband, wife or civil union partner or the decedent are not taxable.

Illinois Telecommunications Tax

The telecommunications tax is a tax on services including home phone lines, cell phones, television service and internet. It varies by location, but is generally about 6% of the price of service.

Illinois Gasoline Tax

The state of Illinois collects 37.51 cents for every gallon of regular gasoline. That is 11th highest in the nation.

Illinois Alcohol and Tobacco Tax

Illinois applies per-gallon alcohol excise taxes based on the alcohol content of the beverage being sold. Beer will generally be subject to a rate of 23 cents per gallon, 28th highest in the country, while liquor is subject to a rate of $8.55 per gallon, 14th highest. The cigarette excise tax in Illinois is $1.98 per pack of 20, the 21st highest cigarette tax in the country.

Photo credit: flickr
  • Illinois is the home state of current U.S. president, Barack Obama.
  • Former U.S. president Abraham Lincoln owned and operated a bar in New Salem, Illinois, before entering politics.
  • “Illinois” is the French adaptation of an Algonquin word that means warriors.

Places with the Lowest Tax Burden

Are you curious how your tax burden stacks up against others in your state? SmartAsset’s interactive map highlights the counties with the lowest tax burden. Scroll over any county in the state to learn about taxes in that specific area.

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Rank County Income Tax Sales Tax Property Tax Fuel Tax

Methodology

Where you live can have a big impact on both which types of taxes you have to pay each year and how much money you spend on them. SmartAsset calculated the amount of money a specific person would pay in income, sales, property and fuel taxes in each county in the country and ranked the lowest to highest tax burden.

To better compare income tax burdens across counties, we used the national median household income. We then applied relevant deductions and exemptions before calculating federal, state and local income taxes.

In order to determine sales tax burden we estimated that 35% of take-home (after-tax) pay is spent on taxable goods. We multiplied the average sales tax rate for a county by the household income less income tax. This product is then multiplied by 35% to estimate the sales tax paid.

For property taxes, we compared the median property taxes paid in each county.

For fuel taxes, we first distributed statewide vehicle miles traveled down to the county level using the number of vehicles in each county. We then calculated the total number of licensed drivers within each county. The countywide miles were then distributed amongst the licensed drivers in the county, which gave us the miles driven per licensed driver. Using the nationwide average fuel economy, we calculated the average gallons of gas used per driver in each county and multiplied that by the fuel tax.

We then added the dollar amount for income, sales, property and fuel taxes to rank the counties to calculate a total tax burden.

Sources: US Census Bureau 2016 American Community Survey, Government Sources, Avalara, American Petroleum Institute, GasBuddy, UMTRI, Federal Highway Administration, SmartAsset