Average Tax Assessment in Kendall County
Real Estate Values and Property Tax Valuation in Kendall County, Illinois
Kendall County has 43,138 properties with a cumulative value of $10.8B, making up 1.54% of all real estate value in Illinois. Property taxes in Kendall County totaled $309.1M, with the average homeowner paying $7,166 in property taxes compared to the state average of $5,405. The average property tax rate in Kendall County is 2.87%, while the state average is 2.47%. Properties are valued for tax purposes based on their estimated market value.
In Illinois, property taxes are based on the value of the property as of January 1st. Property owners have the option to appeal their property taxes between June and December, or within 30 days of when the notices are published. Property tax bills are issued on February 1st and July 1st, with the first installment due on June 1st in Cook County. This first installment is estimated at 55% of the prior year's tax bill, with taxes paid in arrears.
Updated November 01, 2023
| Important Links | |
|---|---|
| Kendall Clerk | (830) 249-9343 |
| TexasFile Clerk Records | - |
| Kendall Treasurer | (630) 553-4124 |
| Oswego Township Assessor | (630) 554-3214 |
| Important Dates | |
|---|---|
| Property Valuation Date: | January 1st |
| Property Tax Appeal Deadline: | June - December or 30 days after notices are published |
| Property Tax Bills Issued: | February 1st and July 1st |
| Real Property Tax Bill Due (1st of #): | June, Two installments but due dates may vary by county March 1st, Cook County - 1st half installment, estimated at 55% of prior year tax bill with taxes paid in arrears. |
| Real Property Tax Bill Due (2nd of #): | September, Two installments but due dates may vary by county August 1, Cook County - 2nd half installment - TARGETED but may be delayed - due 30 days after being issued. Reconciled installment using the BOR certified AV, actual local tax rate, and final state equalization factor, less the estimated 1st installment with taxes paid in arrears |
| Available Exemptions | |
|---|---|
| Senior | Available |
| Disabled | Available |
| Homestead | Available |
| Veteran | Available |
| Solar/Wind | Available |
| Charitable | Available |
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Real Estate Statistics in Kendall County
Residential Property Taxes by Cities in Kendall County
Kendall County has an average property tax rate of 2.87%, which is slightly lower than the average rate for the rest of the state. This rate is applied to all properties in the county, regardless of their location. However, the effective property tax rate can vary significantly across the cities in Kendall County. For example, Aurora has the highest effective property tax rate of 3.18%, while Newark has the lowest effective property tax rate of 2.44%. This means that property owners in Aurora will pay more in property taxes than those in Newark.
Overall, Kendall County has a relatively low property tax rate compared to other counties in the state. However, it is important to note that the effective property tax rate can vary significantly across the cities in the county. Property owners should research the effective property tax rate in their city before making any decisions about purchasing property in Kendall County.
Tax Assessment Value
The following table shows the 10th, 25th, 50th, 75th, and 90th percentile of property assessment value in each city in Kendall County. The tax assessment value may differ from the potential sale value, and is used to calculate the property tax for each piece of real estate.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Aurora | $166,412 | $191,782 | $282,195 | $311,886 | $337,048 |
| Bristol | $149,339 | $195,157 | $232,683 | $330,499 | $487,147 |
| Joliet | $177,794 | $200,724 | $268,755 | $293,254 | $306,243 |
| Minooka | $150,818 | $174,132 | $244,648 | $288,246 | $376,497 |
| Montgomery | $162,039 | $173,715 | $206,532 | $257,714 | $283,024 |
| Newark | $111,723 | $158,511 | $221,180 | $326,194 | $417,144 |
| Oswego | $172,275 | $206,600 | $268,974 | $321,486 | $363,814 |
| Plainfield | $196,698 | $244,590 | $267,825 | $352,303 | $440,664 |
| Plano | $118,943 | $148,638 | $180,291 | $236,805 | $278,921 |
| Yorkville | $141,084 | $193,326 | $252,432 | $308,820 | $372,964 |
Property Tax Bill
This table shows the percentiles of actual property tax paid on residential properties for each city in Kendall County.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Aurora | $5,005 | $6,156 | $9,057 | $10,210 | $11,034 |
| Bristol | $3,154 | $4,817 | $6,206 | $9,105 | $13,576 |
| Joliet | $4,456 | $5,404 | $7,021 | $7,904 | $8,535 |
| Minooka | $3,491 | $4,553 | $6,485 | $7,475 | $9,651 |
| Montgomery | $4,103 | $4,817 | $5,764 | $7,741 | $8,668 |
| Newark | $2,453 | $3,698 | $5,357 | $7,953 | $10,315 |
| Oswego | $4,428 | $5,746 | $7,680 | $9,366 | $10,723 |
| Plainfield | $4,554 | $6,148 | $6,853 | $10,375 | $13,474 |
| Plano | $3,212 | $4,430 | $5,527 | $7,394 | $8,966 |
| Yorkville | $4,179 | $5,649 | $7,722 | $9,882 | $11,422 |
Effective Property Tax Rate
The effective property tax rate is calculated by dividing the property tax bill by the assessed value. For the percentiles below, the calculation is performed using the percentiles for property tax bill and assessed value above. Therefore, each consecutive percentile doesn't necessarily show a larger value.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Aurora | 3.01% | 3.21% | 3.21% | 3.27% | 3.27% |
| Bristol | 2.11% | 2.47% | 2.67% | 2.75% | 2.79% |
| Joliet | 2.51% | 2.69% | 2.61% | 2.70% | 2.79% |
| Minooka | 2.31% | 2.61% | 2.65% | 2.59% | 2.56% |
| Montgomery | 2.53% | 2.77% | 2.79% | 3.00% | 3.06% |
| Newark | 2.20% | 2.33% | 2.42% | 2.44% | 2.47% |
| Oswego | 2.57% | 2.78% | 2.86% | 2.91% | 2.95% |
| Plainfield | 2.32% | 2.51% | 2.56% | 2.94% | 3.06% |
| Plano | 2.70% | 2.98% | 3.07% | 3.12% | 3.21% |
| Yorkville | 2.96% | 2.92% | 3.06% | 3.20% | 3.06% |
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Real Estate Values in Kendall County
The median home price in Kendall County, Illinois has increased by 1.03% from October 2022 to October 2023, from $338.5K to $342.0K. This increase is in line with the overall trend of home prices in Illinois, which have been steadily increasing over the past few years. However, the home inventory in Kendall County has decreased from 567 in October 2022 to 430 in October 2023, indicating that the demand for homes in the area is outpacing the supply. This could lead to further increases in home prices in the future.
Average Home Value in Kendall County, Illinois
Last updated: November 2023
Percent Change in Total Home Sales in Kendall County
Last updated: November 2023
Percent Change in New Home Listings in Kendall County
Last updated: November 2023
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Mortgage Rates in Kendall County
Kendall County has a total of $5.7 billion in outstanding home mortgage loans. This represents an average of 31.2 thousand loans per county. The median mortgage rate in Kendall County varies significantly across cities, with Bristol having the highest median mortgage rate of 4.8%, and Joliet having the lowest median mortgage rate of 4.25%. This variation in rates can have a significant impact on the total amount of money a homeowner will pay over the life of their loan.
The total outstanding loan amount in Kendall County is equivalent to approximately 20% of the total home value in the county. This is a significant amount of money and indicates that many homeowners in Kendall County are taking out loans to purchase their homes. The variation in mortgage rates across cities can also have a significant impact on the total amount of money a homeowner will pay over the life of their loan. Therefore, it is important for homeowners to shop around and compare rates to ensure they are getting the best deal possible.
Outstanding Mortgages
The table below shows the percentile distribution of outstanding loans on residential properties in Kendall County by city.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Aurora | $81,413 | $109,738 | $154,753 | $211,325 | $284,544 |
| Bristol | $59,321 | $103,448 | $169,796 | $243,027 | $361,955 |
| Joliet | $113,696 | $149,879 | $189,670 | $237,988 | $283,716 |
| Minooka | $88,190 | $118,885 | $152,603 | $203,082 | $275,092 |
| Montgomery | $68,958 | $102,104 | $147,989 | $194,658 | $238,337 |
| Newark | $54,818 | $97,408 | $154,143 | $221,279 | $311,353 |
| Oswego | $71,758 | $114,444 | $168,719 | $231,387 | $298,038 |
| Plainfield | $87,389 | $127,989 | $188,564 | $264,563 | $337,801 |
| Plano | $63,774 | $92,975 | $130,525 | $178,193 | $228,798 |
| Yorkville | $79,682 | $119,604 | $175,941 | $236,777 | $303,678 |
Mortgage Rates
The following table shows the 10th, 25th, 50th, 75th, and 90th percentile of mortgage rates in cities across Kendall County.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Aurora | 3.10% | 3.75% | 4.62% | 6.05% | 6.95% |
| Bristol | 3.11% | 3.75% | 4.80% | 6.45% | 7.54% |
| Joliet | 3.00% | 3.69% | 4.25% | 5.43% | 6.53% |
| Minooka | 3.20% | 3.87% | 4.62% | 6.21% | 6.71% |
| Montgomery | 3.00% | 3.75% | 4.50% | 6.01% | 6.73% |
| Newark | 2.99% | 3.65% | 4.40% | 5.88% | 7.05% |
| Oswego | 3.00% | 3.70% | 4.50% | 6.01% | 6.99% |
| Plainfield | 2.99% | 3.68% | 4.50% | 6.05% | 6.82% |
| Plano | 2.90% | 3.62% | 4.44% | 5.86% | 6.73% |
| Yorkville | 2.90% | 3.50% | 4.25% | 5.77% | 6.68% |
Housing Expenses in Kendall County, Illinois
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