Effingham, Shelby County, Illinois Property Taxes
Property Taxes in Effingham, Illinois
Median Effingham, Illinois effective property tax rate: 1.84%, significantly higher than the national median of 1.02%, and lower than the Illinois state median of 2.33%.
Median Effingham, Illinois home value: $160,953
Median annual Effingham, Illinois tax bill: $2,492, $92 higher than the national median property tax bill of $2,400.
How are property taxes in Shelby calculated?
Property taxes in Effingham, 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 Effingham's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Effingham, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Effingham, Shelby County, Illinois Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.84%
Estimate Property Tax Bill
$2,962
$2,748
How Does the Effingham Property Tax Calculator Work?
Use this Effingham property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Effingham's median effective tax rate of 1.84% — based on actual property records in Shelby 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 Effingham'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 Effingham: rates range from 2.49% in 62401 to 2.49% in 62401, 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 Effingham.
About Effingham Property Taxes
About Property Taxes in Effingham, Shelby, Illinois
Effingham’s median effective property tax rate of 1.84% is lower than the Illinois state median of 2.33% and higher than the national median of 1.02%. This rate reflects the Shelby County base levy combined with local school district levies and special service areas that can vary by subdivision throughout the city.
Property tax rates are not uniform across Effingham. Homeowners in the 62401 ZIP code carry a median effective rate of 1.84%, while those in the lowest ZIP code also pay 1.84%. This spread reflects how school district boundaries and local assessment districts are drawn across Shelby County. Understanding which part of Effingham you live in can make a meaningful difference to your annual tax bill.
Effingham homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the July 11, 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 Effingham, Shelby 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 Effingham'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 Effingham Tax Rate
1.84%
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 Shelby County Tax Rate
1.92%
Median Effective Illinois Tax Rate
2.33%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Effingham, Shelby County, Illinois
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 62401 | 1.47% | 1.77% | 1.84% | 2.00% | 2.02% |
Source: Ownwell
Property Tax Assessment Values Across Effingham, Shelby County, Illinois
When examining property taxes in Effingham, 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 Shelby 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 Shelby County, assessment notices are sent in the spring each year. They'll 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 Effingham is $160,953, with a median tax bill of $2,492. The 25th percentile tax bill is $1,546, while the 75th percentile is $3,699, and the 90th percentile reaches $5,487.
Property Tax Assessment Values Across Effingham, Shelby County, Illinois
Source: Ownwell
$92,523
$181,191
$269,859
Median Effingham Market Value
$160,953
Median Shelby County Market Value
$135,435
Median Illinois Market Value
$227,888
Median United States Market Value
$235,294
Property Tax Assessment Values Across Effingham, Shelby County, Illinois
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 62401 | $25,037 | $76,743 | $160,953 | $218,462 | $297,570 |
Source: Ownwell
Property Tax Bills Across Effingham, Shelby County, Illinois
Property tax bills in Effingham are based on the assessed value of a home, not its market price alone. Local taxing authorities apply the tax rate to that assessed value to determine the bill, and the amount can vary depending on exemptions and the mix of local services funded by property taxes.
With a median home price of $160,953, homeowners in Effingham often see tax bills that reflect how their property is valued relative to others in Shelby County. The typical bill in the area is $2,492, which is above the national median property tax bill of $2,400. Bills can range widely, with the 25th percentile at $1,546 and the 75th percentile at $3,699, while the 90th percentile reaches $5,487.
For homeowners, this means property taxes can be a meaningful part of annual housing costs. A higher assessed value or fewer exemptions can increase the bill, while a lower assessment can reduce it.
Median Effingham Tax Bill
$2,492
Median Shelby County Tax Bill
$2,407
Median Illinois Tax Bill
$5,277
Median United States Tax Bill
$2,400
Property Tax Bills Across Effingham, Shelby County, Illinois
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 62401 | $378 | $1,546 | $2,492 | $3,699 | $5,487 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | July 11 |
Links | |
|---|---|
| Shelby Tax Assessor | |
| Website | shelby-il.bhamaps.com |