Average Tax Assessment in Whiteside County
Real Estate Values and Property Tax Valuation in Whiteside County, Illinois
Whiteside County has 21,180 properties with a cumulative value of $2.2B, representing 0.31% of all real estate value in Illinois. Property taxes in Whiteside County totaled $51.3M, with the average homeowner paying $2,462 in property taxes, which is lower than the state average of $5,405. The average property tax rate in Whiteside County is 2.36%, while the state average is 2.47%. Property taxes are calculated based on the assessed value of the property, which is typically lower than the 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 | |
|---|---|
| Whiteside Recorder of Deeds | (815) 772-5192 |
| Whiteside Assessor | (815) 772-5195 |
| Whiteside Treasurer | (815) 772-5196 |
| 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 Whiteside County
Residential Property Taxes by Cities in Whiteside County
Whiteside County has an average property tax rate of 2.36%, which is slightly lower than the national average of 2.48%. This rate is applied to all property owners in the county, regardless of the city they live in. However, the effective property tax rate can vary significantly across the cities in the county. For example, Rock Falls has the highest effective property tax rate at 2.69%, while Erie has the lowest effective property tax rate at 1.81%. This means that property owners in Rock Falls will pay more in property taxes than those in Erie.
Overall, Whiteside 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 the county.
Tax Assessment Value
The following table shows the 10th, 25th, 50th, 75th, and 90th percentile of property assessment value in each city in Whiteside 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 |
|---|---|---|---|---|---|
| Albany | $49,552 | $85,683 | $114,030 | $146,559 | $191,974 |
| Erie | $49,924 | $79,369 | $117,981 | $154,150 | $202,408 |
| Fulton | $45,985 | $70,538 | $105,440 | $149,900 | $204,076 |
| Lyndon | $24,845 | $50,730 | $76,353 | $108,261 | $141,732 |
| Morrison | $49,488 | $69,963 | $96,927 | $138,080 | $182,805 |
| Prophetstown | $38,677 | $58,958 | $80,907 | $120,272 | $163,127 |
| Rock Falls | $39,721 | $57,066 | $76,652 | $112,541 | $159,250 |
| Sterling | $41,953 | $61,572 | $85,644 | $129,846 | $190,555 |
| Tampico | $32,263 | $56,245 | $82,089 | $107,986 | $133,325 |
Property Tax Bill
This table shows the percentiles of actual property tax paid on residential properties for each city in Whiteside County.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Albany | $975 | $1,665 | $2,430 | $3,371 | $4,586 |
| Erie | $705 | $1,362 | $2,067 | $2,884 | $4,010 |
| Fulton | $817 | $1,436 | $2,260 | $3,320 | $4,670 |
| Lyndon | $444 | $938 | $1,627 | $2,379 | $3,183 |
| Morrison | $896 | $1,391 | $2,066 | $3,006 | $4,165 |
| Prophetstown | $635 | $1,173 | $1,774 | $2,707 | $3,838 |
| Rock Falls | $805 | $1,448 | $2,174 | $3,150 | $4,478 |
| Sterling | $888 | $1,506 | $2,257 | $3,337 | $4,694 |
| Tampico | $568 | $1,017 | $1,559 | $2,247 | $2,854 |
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 |
|---|---|---|---|---|---|
| Albany | 1.97% | 1.94% | 2.13% | 2.30% | 2.39% |
| Erie | 1.41% | 1.72% | 1.75% | 1.87% | 1.98% |
| Fulton | 1.78% | 2.04% | 2.14% | 2.21% | 2.29% |
| Lyndon | 1.79% | 1.85% | 2.13% | 2.20% | 2.25% |
| Morrison | 1.81% | 1.99% | 2.13% | 2.18% | 2.28% |
| Prophetstown | 1.64% | 1.99% | 2.19% | 2.25% | 2.35% |
| Rock Falls | 2.03% | 2.54% | 2.84% | 2.80% | 2.81% |
| Sterling | 2.12% | 2.45% | 2.64% | 2.57% | 2.46% |
| Tampico | 1.76% | 1.81% | 1.90% | 2.08% | 2.14% |
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Real Estate Values in Whiteside County
The data from Redfin shows that the median home price in Whiteside County, Illinois decreased by 20.73% from October 2022 to October 2023. This indicates that the housing market in Whiteside County is cooling off. Additionally, the home inventory in Whiteside County decreased by 22.22%, indicating that there is less housing available for purchase. This could be due to a decrease in demand for housing in the area. Overall, the data from Redfin suggests that the housing market in Whiteside County is slowing down.
Average Home Value in Whiteside County, Illinois
Last updated: November 2023
Percent Change in Total Home Sales in Whiteside County
Last updated: November 2023
Percent Change in New Home Listings in Whiteside County
Last updated: November 2023
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Mortgage Rates in Whiteside County
Mortgages in Whiteside County are a major part of the local economy. According to recent statistics, there is a total of $531.9M in outstanding loan amounts across home mortgages in the county. This represents 6.5K outstanding loans, which is a significant portion of the total home value in the area.
The median mortgage rate in Whiteside County varies from city to city, with the highest rate being 4.25% in Tampico and the lowest rate being 4.0% in Fulton. This variation in rates across the county can be beneficial for potential home buyers, as it allows them to compare rates and find the best deal for their needs. Ultimately, mortgages in Whiteside County are an important part of the local economy and provide an opportunity for potential home buyers to find the best deal for their needs.
Outstanding Mortgages
The table below shows the percentile distribution of outstanding loans on residential properties in Whiteside County by city.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Albany | $40,431 | $58,640 | $85,345 | $110,067 | $153,862 |
| Erie | $37,676 | $59,352 | $83,345 | $113,635 | $145,994 |
| Fulton | $31,677 | $52,325 | $76,912 | $116,848 | $162,876 |
| Lyndon | $29,981 | $45,949 | $65,413 | $91,745 | $134,994 |
| Morrison | $32,149 | $50,353 | $75,082 | $111,167 | $156,377 |
| Prophetstown | $29,586 | $47,758 | $68,436 | $98,226 | $135,417 |
| Rock Falls | $25,288 | $41,995 | $60,567 | $87,296 | $128,186 |
| Sterling | $31,058 | $48,010 | $68,147 | $100,671 | $144,893 |
| Tampico | $19,085 | $32,645 | $51,371 | $69,640 | $90,758 |
Mortgage Rates
The following table shows the 10th, 25th, 50th, 75th, and 90th percentile of mortgage rates in cities across Whiteside County.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Albany | 2.90% | 3.60% | 4.12% | 5.13% | 6.23% |
| Erie | 2.92% | 3.45% | 4.12% | 5.19% | 6.21% |
| Fulton | 2.90% | 3.46% | 4.00% | 4.90% | 6.20% |
| Lyndon | 2.89% | 3.30% | 4.05% | 4.86% | 6.25% |
| Morrison | 2.90% | 3.50% | 4.09% | 5.00% | 6.22% |
| Prophetstown | 2.90% | 3.48% | 4.10% | 4.99% | 6.19% |
| Rock Falls | 2.90% | 3.59% | 4.19% | 5.25% | 6.31% |
| Sterling | 2.90% | 3.57% | 4.12% | 5.19% | 6.32% |
| Tampico | 2.90% | 3.75% | 4.25% | 4.95% | 6.29% |
Housing Expenses in Whiteside County, Illinois
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