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County tax profile · 2026 · Census ACS + IRS data

Property Tax & Income in McLean County, Illinois

McLean County has an effective property tax rate of 2.17%. On the median home value of $208,400, that's roughly $4,524 per year. Median household income is $79,905.

Effective Property Tax Rate1
2.17%
median tax $4,524 ÷ median home $208,400
Median Home Value1
$208,400
owner-occupied
Median Household Income1
$79,905
per-capita $43,372
Est. Annual Tax on Median Home1
$4,524
at 2.17% effective rate

What you'll pay, at a glance

Property taxes are the largest local tax most homeowners pay. The effective rate measures the real tax bill as a share of home value — a more useful number than the nominal “mill rate,” because assessment practices vary county to county.

MetricMcLean CountyIllinois (state context)
Effective property tax rate12.17%1.80%
Median home value1$208,400—
State income tax3top rate 4.95%top rate 4.95%
State sales tax38.98% combined8.98% combined

How this is calculated

The effective property tax rate is the median real-estate tax bill divided by the median home value — both for owner-occupied homes, from the U.S. Census Bureau's American Community Survey (ACS 5-year estimates)1. Median income is also from the ACS1. Federal and state income-tax figures use IRS2 and Tax Foundation3 data.

About McLean County, IL

Buying a home in McLean County means weighing a median value of $208,400 against one of Illinois' steeper tax rates. At 2.171%, the county sits above the statewide median of 1.804% and ranks 13th of 102 counties, so the median annual tax bill reaches $4,524. That figure is meaningful next to a median household income of $79,905, though per-capita income of $43,372 shows a wide range of earners across the area. Nationally, the picture shifts sharply: the U.S. median effective rate is just 0.794%, making McLean County's burden nearly three times higher. For buyers around Bloomington, the trade-off is clear — housing prices remain far below what coastal markets command, but the recurring tax cost deserves a careful look before committing.

Frequently asked questions

What is the property tax rate in McLean County, IL?
The effective rate is 2.17% — meaning the median tax bill equals about 2.17% of the median home value.
How much are property taxes on a median home?
On the median home ($208,400), the estimated annual bill is about $4,524.
Is McLean County's rate high or low?
Compare it to the state median of 1.80% and the national average near 1.1%.
How does the effective rate differ from my mill rate?
A mill rate is the nominal levy per $1,000 of assessed value. The effective rate reflects what you actually pay after exemptions and assessments — it's the median tax bill as a share of median home value, so it better predicts your real cost.
Will a reassessment raise my tax bill?
Not necessarily. If your home's assessed value rises, your bill can go up, but only if the mill rate and exemptions stay flat. Contact the McLean County assessor's office to review your current assessment.
Can I appeal my property tax assessment?
Yes. Most counties allow an appeal when you believe the assessed value exceeds the market value. File with the McLean County assessor within the local deadline, typically with comparable sales as evidence.
Sources
[1] U.S. Census Bureau — ACS 5-Year (2023) — Median home value (B25077), median real-estate taxes (B25103), median household income (B19013), per-capita income (B19301).
[2] IRS — Statistics of Income — County income, AGI, and real-estate taxes paid.
[3] Tax Foundation — State income, sales, corporate, and estate/inheritance tax rates.