Estimate your property tax
Work your Illinois bill through in plain steps — a third of your home's value, minus your exemptions, times the combined local rate.
In Illinois your bill isn't the rate times what your home is worth. It's figured from a third of that value, minus any exemptions you qualify for, times the combined rate of every district you're in. This works it through in plain steps so you can plan. It's an estimate — your real bill comes from Jo Daviess County.
Its fair market value. Illinois taxes one-third of this — your "equalized assessed value" (EAV), the figure on your assessment notice.
Exemptions you can claim
Tick the ones that apply to you — each lowers the value you're taxed on. You apply once through the county Assessment Office (deadline 31 May); the owner-occupied and senior exemptions then renew on their own.
Enter your assessed value to see the estimate.
An estimate, not your bill
How the rate is set
Most of your bill is schools
Of the combined City-of-Galena rate, Galena District 120 schools are about 4.72 of the 7.71 — roughly three of every five dollars. The city's own share is about $1.11 per $100 of EAV.
Source: Jo Daviess County Property Tax Inquiry, checked 15 July 2026 (today).
These are the 2024 rates, paid in 2025
The County Clerk resets every district's rate each year from what each one levies, so next year's will differ. Your own bill shows the year and the exact districts for your parcel — look it up below.
Source: Jo Daviess County Property Tax Inquiry, checked 15 July 2026 (today).
Special service areas vary by parcel
The Special Service Area line is on many Galena parcels but not all, and a few parcels sit in a different fire or drainage district. It's a small part of the bill; your parcel lookup shows exactly which districts apply to you.
Source: Jo Daviess County Property Tax Inquiry, checked 15 July 2026 (today).
What can lower your bill
Senior Assessment Freeze
If you're 65 or older and your household income is $75,000 or less (the 2026 limit), the Senior Citizens Assessment Freeze holds your EAV at its base-year level, so a rising market doesn't push your bill up. It's separate from the exemptions above, and you re-apply each year.
More informationVeterans with a disability
A service-connected disability brings a larger exemption: $2,500 off the EAV at 30–49%, $5,000 at 50–69%, and a full exemption at 70% or more. Apply through the county Assessment Office.
More informationApply for your exemptions
Exemptions aren't automatic the first time — you file once with the Jo Daviess County Supervisor of Assessments (330 N Bench St, Suite 1B, Galena; 815-777-1016), by 31 May. If you've bought a home or turned 65, check that yours are on your bill.
More informationCheck it against the official sources
- Your exact EAV, districts and tax — Jo Daviess County Property Tax Inquiry
- Look up your parcel, rate and bill
- Jo Daviess County Supervisor of Assessments
- Homestead exemptions & how to apply
- Every exemption and who qualifies — Illinois Department of Revenue
- Illinois property-tax relief (PIO-74)
- The city's own levy and how it's collected
- City of Galena tax rates