Flora, Clay County, Illinois Property Taxes
Property Taxes in Flora, Illinois
Median Flora, Illinois effective property tax rate: 1.83%, significantly lower than the national median of 1.02%, and lower than the Illinois state median of 2.33%.
Median Flora, Illinois home value: $55,254
Median annual Flora, Illinois tax bill: $972, lower than the national median property tax bill of $2,400.
How are property taxes in Clay calculated?
Property taxes in Flora, Illinois are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Flora's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Flora, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Flora, Clay County, Illinois Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.83%
Estimate Property Tax Bill
$1,011
$938
How Does the Flora Property Tax Calculator Work?
Use this Flora property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Flora's median effective tax rate of 1.83% — based on actual property records in Clay County — to generate your estimate.
Enter your property's estimated assessed value — the figure used to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Flora's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Flora: rates are consistent at 972 in 62839, primarily due to local assessment differences.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Flora.
About Flora Property Taxes
About Property Taxes in Flora, Clay, Illinois
Flora’s median effective property tax rate of 1.83% is higher than the Illinois state median of 2.33% and higher than the national median of 1.02%. This rate reflects the Clay County base levy combined with local school district levies and special service areas that vary by subdivision throughout the city.
Property tax rates are not uniform across Flora. Homeowners in the 62839 ZIP code carry a median effective rate of 1.83%, while those in the same ZIP code pay 1.83%. This spread reflects how school district boundaries and local assessment districts are drawn across Clay County. Understanding which part of Flora you live in can make a meaningful difference to your annual tax bill.
Flora homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the June 1, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Flora, Clay County, Illinois
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Flora's effective property tax rate to other cities in Illinois and the median property tax rates in Illinois and the U.S.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Flora Tax Rate
1.83%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Clay County Tax Rate
1.75%
Median Effective Illinois Tax Rate
2.33%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Flora, Clay County, Illinois
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 62839 | 0.68% | 1.19% | 1.83% | 2.30% | 2.81% |
Source: Ownwell
Property Tax Assessment Values Across Flora, Clay County, Illinois
When examining property taxes in Flora, Illinois, understanding the distinction between "market value" and "assessed value" is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Clay County assessment office estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Clay County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month when notices are sent.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Flora.
For example, the median home price in Flora is $55,254, with tax bills ranging significantly across the county. 62839 has the highest median home price at $55,254.
Property Tax Assessment Values Across Flora, Clay County, Illinois
Source: Ownwell
$39,561
$53,808
$68,055
Median Flora Market Value
$55,254
Median Clay County Market Value
$51,015
Median Illinois Market Value
$227,888
Median United States Market Value
$235,294
Property Tax Assessment Values Across Flora, Clay County, Illinois
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 62839 | $11,870 | $24,114 | $55,254 | $98,832 | $160,153 |
Source: Ownwell
Property Tax Bills Across Flora, Clay County, Illinois
How are property tax bills calculated in Flora, Clay County, Illinois?
Property tax bills in Flora are based on the assessed value of a home, not its market price. Local tax rates are applied to that assessed value to determine the final bill, and those rates can reflect county, school, and other local taxing authorities. For homeowners, this means a higher assessed value usually leads to a higher tax bill, while a lower assessed value can reduce what is owed.
What factors affect the amount a homeowner pays?
The main factors are the home’s assessed value and the local tax rate. In Flora, the median home price is $55,254, and the tax bill can vary widely across homeowners. The 25th percentile tax bill is $284, while the 75th percentile is $1,965 and the 90th percentile is $3,183. The median tax bill in ZIP code 62839 is $972, which is below the national median property tax bill of $2,400 and below the national median property tax rate of 1.02%.
Median Flora Tax Bill
$972
Median Clay County Tax Bill
$804
Median Illinois Tax Bill
$5,277
Median United States Tax Bill
$2,400
Property Tax Bills Across Flora, Clay County, Illinois
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 62839 | $100 | $284 | $972 | $1,965 | $3,183 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | June 1 |
Links | |
|---|---|
| Clay Tax Assessor | |
| Website | clayil.devnetwedge.com |