Winthrop Harbor, Lake County, Illinois Property Taxes
Property Taxes in Winthrop Harbor, Illinois
Median Winthrop Harbor, Illinois effective property tax rate: 2.80%, significantly higher than the national median of 1.02%, and higher than the Illinois state median of 2.33%.
Median Winthrop Harbor, Illinois home value: $239,265
Median annual Winthrop Harbor, Illinois tax bill: $6,520, $4,120 higher than the national median property tax bill of $2,400.
How are property taxes in Lake County calculated?
Property taxes in Winthrop Harbor, 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 Winthrop Harbor's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Winthrop Harbor, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Winthrop Harbor, Lake County, Illinois Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
2.8%
Estimate Property Tax Bill
$6,699
$6,217
How Does the Winthrop Harbor Property Tax Calculator Work?
Use this Winthrop Harbor property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Winthrop Harbor's median effective tax rate of 2.80% — based on actual property records in Lake County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Winthrop Harbor'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 Winthrop Harbor: rates range from 2.80% in 60096 to 2.80% in 60096, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Winthrop Harbor.
About Winthrop Harbor Property Taxes
About Property Taxes in Winthrop Harbor, Lake, Illinois
Winthrop Harbor's median effective property tax rate of 2.80% is higher than the Illinois state median of 2.33% and higher than the national median of 1.02%. This rate reflects the Lake 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 Winthrop Harbor. Homeowners in the 60096 ZIP code carry a median effective rate of 2.80%, while those in the lowest ZIP also pay 2.80%. This reflects how school district boundaries and local assessment districts are drawn across Lake County. Understanding which part of Winthrop Harbor you live in can make a meaningful difference to your annual tax bill.
Winthrop Harbor homeowners who believe their assessed value is too high can file a formal appeal with the Lake County 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 Winthrop Harbor, Lake 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 Winthrop Harbor'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 Winthrop Harbor Tax Rate
2.80%
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 Lake County Tax Rate
2.61%
Median Effective Illinois Tax Rate
2.33%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Winthrop Harbor, Lake County, Illinois
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 60096 | 2.24% | 2.55% | 2.80% | 3.07% | 3.12% |
Source: Ownwell
Property Tax Assessment Values Across Winthrop Harbor, Lake County, Illinois
When examining property taxes in Winthrop Harbor, 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 Lake County tax authority 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 Lake County are sent in the spring each year and typically reach your mailbox by the middle of the month. 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.
For example, the median home price in Winthrop Harbor is $239,265, and the median property tax bill is $6,520, compared with the national median property tax bill of $2,400. The highest median home price and median tax bill in the area are both found in 60096.
Property Tax Assessment Values Across Winthrop Harbor, Lake County, Illinois
Source: Ownwell
$153,792
$627,201
$1,100,609
Median Winthrop Harbor Market Value
$239,265
Median Lake County Market Value
$317,980
Median Illinois Market Value
$227,888
Median United States Market Value
$235,294
Property Tax Assessment Values Across Winthrop Harbor, Lake County, Illinois
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 60096 | $146,513 | $183,708 | $239,265 | $300,915 | $346,689 |
Source: Ownwell
Property Tax Bills Across Winthrop Harbor, Lake County, Illinois
Property tax bills in Winthrop Harbor are calculated by applying the local tax rate to a home’s assessed market value, then adjusting for exemptions and local taxing district levies. The assessed value is a major factor, but the final bill also reflects school, county, municipal, and other local services that are funded through property taxes.
With a median home price of $239,265, homeowners in Winthrop Harbor can see bills that vary widely based on where their property is located and how it is assessed. The 25th percentile tax bill is $4,720, while the 75th percentile is $8,515 and the 90th percentile reaches $10,168. The median tax bill in ZIP code 60096 is $6,520.
Because property taxes are tied to value and local budgets, even similar homes can have different bills. For homeowners, that means a higher assessed value can lead to a larger tax bill, making it important to understand how the calculation works and whether the assessment is accurate.
Median Winthrop Harbor Tax Bill
$6,520
Median Lake County Tax Bill
$8,402
Median Illinois Tax Bill
$5,277
Median United States Tax Bill
$2,400
Property Tax Bills Across Winthrop Harbor, Lake County, Illinois
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 60096 | $3,521 | $4,720 | $6,520 | $8,515 | $10,168 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | June 1 |
Links | |
|---|---|
| Lake Tax Assessor | |
| Website | tax.lakecountyil.gov |