Average Tax Assessment in St. Clair County
Real Estate Values and Property Tax Valuation in St. Clair County, Illinois
St. Clair County has 94,183 properties with a cumulative value of $11.2B, making up 1.60% of all real estate value in Illinois. Property taxes in St. Clair County amount to $277.7M, with an average homeowner paying $2,956 in property taxes compared to the state average of $5,405. The average property tax rate in St. Clair County is 2.47%, which is the same as the state average. Property taxes are calculated based on the assessed value of the property.
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 | |
|---|---|
| St. Clair Recorder | (417) 646-2950 |
| St. Clair Collector of Revenue | (417) 646-2486 |
| 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 St. Clair County
Residential Property Taxes by Cities in St. Clair County
St. Clair County has an average property tax rate of 2.47%, which is slightly lower than the national average of 2.58%. 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 St. Clair County. For example, East Saint Louis has the highest effective property tax rate at 3.72%, while Collinsville has the lowest effective property tax rate at 2.11%. This means that property owners in East Saint Louis will pay significantly more in property taxes than those in Collinsville.
Overall, St. Clair County has a relatively low property tax rate compared to other counties in the state. However, property owners should be aware that the effective property tax rate can vary significantly across the cities in the county. This means that property owners should research the effective property tax rate in their city before making any decisions about purchasing or selling property in St. Clair County.
Tax Assessment Value
The following table shows the 10th, 25th, 50th, 75th, and 90th percentile of property assessment value in each city in St. Clair 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 |
|---|---|---|---|---|---|
| Belleville | $56,357 | $75,507 | $106,449 | $164,827 | $235,687 |
| Caseyville | $23,084 | $47,337 | $80,514 | $122,025 | $281,629 |
| Collinsville | $11,750 | $35,460 | $93,320 | $140,247 | $172,268 |
| Columbia | $61,442 | $140,030 | $216,402 | $298,592 | $395,185 |
| Dupo | $25,508 | $55,166 | $80,290 | $116,942 | $140,940 |
| East Carondelet | $14,029 | $32,316 | $66,024 | $101,354 | $159,622 |
| East Saint Louis | $2,114 | $15,979 | $23,700 | $31,562 | $42,268 |
| Fairview Heights | $57,691 | $83,421 | $110,244 | $160,596 | $208,081 |
| Freeburg | $76,427 | $116,067 | $154,764 | $216,495 | $280,386 |
| Lebanon | $47,784 | $79,683 | $113,223 | $176,806 | $261,961 |
| Lenzburg | $12,050 | $34,180 | $67,899 | $103,360 | $147,618 |
| Marissa | $14,804 | $44,299 | $65,570 | $93,019 | $134,204 |
| Mascoutah | $54,894 | $97,397 | $144,843 | $204,476 | $262,555 |
| Millstadt | $79,341 | $120,200 | $168,204 | $232,740 | $298,905 |
| New Athens | $37,622 | $70,687 | $97,119 | $135,898 | $192,213 |
| O Fallon | $78,473 | $117,783 | $185,862 | $244,707 | $314,710 |
| Saint Libory | $16,321 | $68,312 | $97,062 | $128,912 | $174,499 |
| Smithton | $94,238 | $139,968 | $188,652 | $238,824 | $321,878 |
| Swansea | $65,151 | $88,062 | $128,817 | $182,343 | $254,727 |
| Waterloo | $38,358 | $80,528 | $134,400 | $200,530 | $259,757 |
Property Tax Bill
This table shows the percentiles of actual property tax paid on residential properties for each city in St. Clair County.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Belleville | $868 | $1,862 | $2,812 | $4,224 | $6,135 |
| Caseyville | $322 | $985 | $1,828 | $2,917 | $6,429 |
| Collinsville | $117 | $554 | $1,890 | $3,091 | $3,929 |
| Columbia | $967 | $2,595 | $4,849 | $7,517 | $9,815 |
| Dupo | $372 | $1,184 | $2,215 | $3,396 | $4,228 |
| East Carondelet | $203 | $673 | $1,490 | $2,562 | $3,934 |
| East Saint Louis | $0 | $51 | $818 | $1,464 | $1,949 |
| Fairview Heights | $709 | $1,755 | $2,566 | $3,869 | $5,043 |
| Freeburg | $1,147 | $2,788 | $4,155 | $6,073 | $8,049 |
| Lebanon | $405 | $1,815 | $3,022 | $4,632 | $6,499 |
| Lenzburg | $158 | $564 | $1,316 | $2,358 | $3,441 |
| Marissa | $173 | $637 | $1,470 | $2,240 | $3,399 |
| Mascoutah | $121 | $1,801 | $3,262 | $5,067 | $6,885 |
| Millstadt | $1,188 | $2,814 | $4,108 | $5,966 | $7,640 |
| New Athens | $588 | $1,353 | $2,219 | $3,227 | $4,774 |
| O Fallon | $285 | $2,241 | $4,057 | $6,023 | $7,839 |
| Saint Libory | $248 | $1,223 | $2,197 | $3,137 | $4,599 |
| Smithton | $1,410 | $3,342 | $5,036 | $6,589 | $9,011 |
| Swansea | $1,135 | $2,001 | $3,259 | $4,751 | $6,770 |
| Waterloo | $693 | $1,574 | $2,870 | $4,845 | $6,665 |
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 |
|---|---|---|---|---|---|
| Belleville | 1.54% | 2.47% | 2.64% | 2.56% | 2.60% |
| Caseyville | 1.39% | 2.08% | 2.27% | 2.39% | 2.28% |
| Collinsville | 1.00% | 1.56% | 2.03% | 2.20% | 2.28% |
| Columbia | 1.57% | 1.85% | 2.24% | 2.52% | 2.48% |
| Dupo | 1.46% | 2.15% | 2.76% | 2.90% | 3.00% |
| East Carondelet | 1.45% | 2.08% | 2.26% | 2.53% | 2.46% |
| East Saint Louis | 0.00% | 0.32% | 3.45% | 4.64% | 4.61% |
| Fairview Heights | 1.23% | 2.10% | 2.33% | 2.41% | 2.42% |
| Freeburg | 1.50% | 2.40% | 2.68% | 2.81% | 2.87% |
| Lebanon | 0.85% | 2.28% | 2.67% | 2.62% | 2.48% |
| Lenzburg | 1.31% | 1.65% | 1.94% | 2.28% | 2.33% |
| Marissa | 1.17% | 1.44% | 2.24% | 2.41% | 2.53% |
| Mascoutah | 0.22% | 1.85% | 2.25% | 2.48% | 2.62% |
| Millstadt | 1.50% | 2.34% | 2.44% | 2.56% | 2.56% |
| New Athens | 1.56% | 1.91% | 2.28% | 2.37% | 2.48% |
| O Fallon | 0.36% | 1.90% | 2.18% | 2.46% | 2.49% |
| Saint Libory | 1.52% | 1.79% | 2.26% | 2.43% | 2.64% |
| Smithton | 1.50% | 2.39% | 2.67% | 2.76% | 2.80% |
| Swansea | 1.74% | 2.27% | 2.53% | 2.61% | 2.66% |
| Waterloo | 1.81% | 1.95% | 2.14% | 2.42% | 2.57% |
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Real Estate Values in St. Clair County
The median home price in St. Clair County, Illinois decreased by 13.18% from October 2022 to October 2023, from $220.0K to $191.0K. This decrease in home prices was accompanied by a decrease in home inventory, from 709 in October 2022 to 670 in October 2023. This suggests that the housing market in St. Clair County is cooling off, with fewer homes available and lower prices.
Average Home Value in St. Clair County, Illinois
Last updated: November 2023
Percent Change in Total Home Sales in St. Clair County
Last updated: November 2023
Percent Change in New Home Listings in St. Clair County
Last updated: November 2023
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Mortgage Rates in St. Clair County
St. Clair County has a total of $6.5 billion in outstanding home mortgage loans. This represents 37,200 loans, or about 8.2% of the total home value in the county. The median mortgage rate in St. Clair County varies significantly across cities, with East Saint Louis having the highest median rate at 5.11%, and Columbia having the lowest at 4.12%. This variation in rates across cities can have a significant impact on the amount of money a homeowner pays in interest over the life of their loan.
Overall, St. Clair County has a large amount of outstanding home mortgage loans, representing a significant portion of the total home value in the county. Homeowners should take the time to shop around and compare rates across cities to ensure they are getting the best deal on their mortgage. Doing so can save them a significant amount of money over the life of their loan.
Outstanding Mortgages
The table below shows the percentile distribution of outstanding loans on residential properties in St. Clair County by city.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Belleville | $41,619 | $63,207 | $100,904 | $153,235 | $217,775 |
| Caseyville | $34,199 | $53,083 | $88,199 | $171,822 | $300,284 |
| Collinsville | $38,962 | $63,516 | $92,978 | $125,583 | $166,120 |
| Columbia | $56,583 | $115,753 | $184,268 | $287,435 | $405,431 |
| Dupo | $38,060 | $52,382 | $74,137 | $106,886 | $136,385 |
| East Carondelet | $23,098 | $38,306 | $68,210 | $117,820 | $171,590 |
| East Saint Louis | $17,447 | $28,876 | $39,701 | $55,075 | $124,776 |
| Fairview Heights | $45,662 | $67,441 | $99,750 | $144,750 | $199,612 |
| Freeburg | $47,521 | $81,800 | $119,698 | $176,557 | $253,723 |
| Lebanon | $47,386 | $72,591 | $108,327 | $185,054 | $286,726 |
| Lenzburg | $22,607 | $43,262 | $69,372 | $135,266 | $242,625 |
| Marissa | $21,348 | $34,364 | $59,175 | $99,118 | $152,141 |
| Mascoutah | $53,426 | $92,827 | $134,828 | $188,922 | $248,066 |
| Millstadt | $50,786 | $83,420 | $124,446 | $178,660 | $253,988 |
| New Athens | $32,225 | $52,486 | $76,882 | $115,498 | $179,072 |
| O Fallon | $65,176 | $102,633 | $155,991 | $225,833 | $305,947 |
| Saint Libory | $35,307 | $62,538 | $97,748 | $133,167 | $157,503 |
| Smithton | $57,214 | $92,641 | $135,211 | $194,788 | $260,116 |
| Swansea | $46,879 | $70,191 | $113,248 | $169,334 | $242,633 |
| Waterloo | $44,004 | $75,390 | $99,491 | $195,486 | $272,729 |
Mortgage Rates
The following table shows the 10th, 25th, 50th, 75th, and 90th percentile of mortgage rates in cities across St. Clair County.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Belleville | 3.00% | 3.62% | 4.50% | 5.85% | 6.54% |
| Caseyville | 3.12% | 3.62% | 4.45% | 5.78% | 6.50% |
| Collinsville | 3.11% | 3.75% | 4.50% | 5.87% | 6.54% |
| Columbia | 2.87% | 3.55% | 4.12% | 5.69% | 6.48% |
| Dupo | 3.12% | 3.75% | 4.62% | 5.86% | 6.54% |
| East Carondelet | 3.24% | 3.89% | 5.10% | 6.17% | 6.82% |
| East Saint Louis | 3.37% | 3.92% | 5.11% | 6.27% | 7.23% |
| Fairview Heights | 3.00% | 3.70% | 4.50% | 5.86% | 6.54% |
| Freeburg | 2.90% | 3.56% | 4.37% | 5.63% | 6.39% |
| Lebanon | 2.90% | 3.62% | 4.32% | 5.62% | 6.44% |
| Lenzburg | 3.27% | 3.94% | 5.10% | 6.25% | 7.10% |
| Marissa | 3.25% | 3.87% | 4.67% | 5.88% | 6.71% |
| Mascoutah | 2.90% | 3.50% | 4.25% | 5.50% | 6.38% |
| Millstadt | 3.10% | 3.75% | 4.40% | 5.83% | 6.49% |
| New Athens | 3.00% | 3.75% | 4.47% | 5.86% | 6.60% |
| O Fallon | 2.90% | 3.50% | 4.25% | 5.62% | 6.40% |
| Saint Libory | 3.31% | 3.90% | 4.40% | 5.63% | 6.25% |
| Smithton | 3.05% | 3.62% | 4.39% | 5.78% | 6.43% |
| Swansea | 2.90% | 3.57% | 4.38% | 5.71% | 6.49% |
| Waterloo | 3.21% | 3.67% | 4.56% | 6.12% | 6.53% |
Housing Expenses in St. Clair County, Illinois
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