Hartford, Madison County, Illinois Property Taxes
Property Taxes in Hartford, Illinois
Median Hartford, Illinois effective property tax rate: 2.12%, significantly lower than the national median of 1.02%, and lower than the Illinois state median of 2.33%.
Median Hartford, Illinois home value: $64,440
Median annual Hartford, Illinois tax bill: $1,306, lower than the national median property tax bill of $2,400.
How are property taxes in Madison calculated?
Property taxes in Hartford, 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 Hartford's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Hartford, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Hartford, Madison County, Illinois Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
2.12%
Estimate Property Tax Bill
$1,366
$1,268
How Does the Hartford Property Tax Calculator Work?
Use this Hartford property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Hartford's median effective tax rate of 2.12% — based on actual property records in Madison 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 Hartford'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 Hartford: rates range from $1306 in 62048 to $1306 in 62048, 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 Hartford.
About Hartford Property Taxes
About Property Taxes in Hartford, Madison, Illinois
Hartford’s median effective property tax rate of 2.12% is lower than the Illinois state median of 2.33% and higher than the national median of 1.02%. This rate reflects the Madison 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 Hartford. Homeowners in the 62048 ZIP code carry a median effective rate of 2.12%, while those in the same ZIP code also pay 2.12%. This reflects how school district boundaries and local assessment districts are drawn across Madison County. Understanding where you live can make a meaningful difference to your annual tax bill.
Hartford 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 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 Hartford, Madison 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 Hartford'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 Ă· 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 Hartford Tax Rate
2.12%
Our median effective property tax rate (tax bill Ă· 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 Madison County Tax Rate
2.11%
Median Effective Illinois Tax Rate
2.33%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Hartford, Madison County, Illinois
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 62048 | 0.71% | 1.68% | 2.12% | 2.67% | 2.75% |
Source: Ownwell
Property Tax Assessment Values Across Hartford, Madison County, Illinois
When examining property taxes in Hartford, 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 Madison County appraisal district 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 Madison 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 Hartford.
For example, the median home price in Hartford is $64,440, with tax bills ranging significantly across the county. 62048 has the highest median home price at $64,440.
Property Tax Assessment Values Across Hartford, Madison County, Illinois
Source: Ownwell
$25,755
$170,746
$315,736
Median Hartford Market Value
$64,440
Median Madison County Market Value
$152,490
Median Illinois Market Value
$227,888
Median United States Market Value
$235,294
Property Tax Assessment Values Across Hartford, Madison County, Illinois
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 62048 | $36,150 | $46,335 | $64,440 | $88,605 | $129,294 |
Source: Ownwell
Property Tax Bills Across Hartford, Madison County, Illinois
Property tax bills in Hartford are based on the assessed value of a home and the local tax rate set by taxing authorities. The bill is determined by multiplying the assessed value by the applicable rate, so changes in either the home’s value or the rate can affect what a homeowner pays.
With a median home price of $64,440, Hartford homeowners often see tax bills that reflect a lower property value than many places nationwide. The 25th percentile tax bill is $796, while the 75th percentile is $1,946 and the 90th percentile is $2,886. The median tax bill is $1,306, which is below the national median property tax bill of $2,400.
Property taxes can still have a meaningful impact on monthly housing costs, especially when assessed values rise. For homeowners, understanding how the bill is calculated can help explain why taxes change from year to year and why reviewing the assessment matters.
Median Hartford Tax Bill
$1,306
Median Madison County Tax Bill
$3,074
Median Illinois Tax Bill
$5,277
Median United States Tax Bill
$2,400
Property Tax Bills Across Hartford, Madison County, Illinois
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 62048 | $342 | $796 | $1,306 | $1,946 | $2,886 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | June 1 |
Links | |
|---|---|
| Madison Tax Assessor | |
| Website | madisonil.devnetwedge.com |