How DuPage County property tax is calculated
Your township assessor values the home at one-third of its fair cash value, the Supervisor of Assessments multiplies each township by a factor to keep it at that level, exemptions come off the equalized assessed value (EAV), and the total rate of your tax code is charged on what is left.[2][4][3]
Tax = (Fair cash value ÷ 3 − exemptions) × tax code rate
A $450,000 Naperville home has an EAV of $150,000. The $8,000 general homestead exemption leaves $142,000, and at 5.8307% the bill is $8,279.59, an effective rate of 1.84% of market value. Without the exemption it would be $8,746.05, so the homestead is worth $466 a year.[3][4] District 203 alone takes $6,376 of the bill.
DuPage County property tax rate by tax code
Every parcel has a four-digit tax code that fixes which districts tax it, and the County Clerk sets each district's rate from its levy and the district's EAV.[12] The county itself is a small part: DuPage County's 0.1265% and the Forest Preserve's 0.1229% are the same in every code, while schools charge 2.4% to 4.5%.[3]
| Taxing unit | Rate | Tax year | Exemptions it applies to |
|---|---|---|---|
| Naperville Community Unit School District 203 | 4.4903% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| City of Naperville | 0.3986% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| Naperville Park District | 0.2702% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| College of DuPage (District 502) | 0.1687% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| Naperville Public Library | 0.1658% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| DuPage County | 0.1265% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| Forest Preserve District of DuPage County | 0.1229% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| Naperville Township (town, road district, mental health) | 0.0764% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| DuPage Airport Authority | 0.0113% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| Total | 5.8307% | 5.8307% of taxable value |
| Taxing unit | Rate | Tax year | Exemptions it applies to |
|---|---|---|---|
| Elmhurst Community Unit School District 205 | 4.1767% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| Elmhurst Park District | 0.4581% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| City of Elmhurst | 0.433% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| Elmhurst Public Library | 0.1874% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| College of DuPage (District 502) | 0.1687% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| DuPage County | 0.1265% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| Forest Preserve District of DuPage County | 0.1229% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| York Township (town, road district, mental health) | 0.103% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| DuPage Airport Authority | 0.0113% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| Total | 5.7876% | 5.7876% of taxable value |
| Taxing unit | Rate | Tax year | Exemptions it applies to |
|---|---|---|---|
| Community Consolidated School District 181 (elementary) | 2.3541% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| Hinsdale Township High School District 86 | 1.5616% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| Village of Hinsdale | 0.3685% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| College of DuPage (District 502) | 0.1687% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| Hinsdale Public Library | 0.1559% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| DuPage County | 0.1265% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| Forest Preserve District of DuPage County | 0.1229% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| Downers Grove Township (town, road district) | 0.0782% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| DuPage Airport Authority | 0.0113% | 2025 | General homestead ($8,000 EAV); Senior, age 65+ ($8,000 EAV); Person with a disability ($2,000 EAV); 30–49% rating ($2,500 EAV); 50–69% rating ($5,000 EAV); 70% or more (first $250,000 EAV exempt); Returning veteran ($5,000 EAV) |
| Total | 4.9477% | 4.9477% of taxable value |
Tax year 2025 rates for each taxing entity in three residential tax codes, from the county's property tax lookup. Township lines combine the town fund, road district and (where levied) mental health board.
Hinsdale's code has the lowest total of the three at 4.9477%, yet a $1.2 million house there still pays $19,395 with the homestead exemption. Hinsdale is split between an elementary district (181) and a high school district (86), where Naperville and Elmhurst have one unit district each.[3]
What changed for the 2026 bills
The 2025 levy, billed in 2026, totals $3,756,793,481. Assessed value rose 8.2% and the average rate fell 4.37%, so the average bill rose 3.83%.[5] Rates fall when values rise because Illinois districts levy a dollar amount, not a rate: the Clerk divides the levy by the larger EAV.[12]
DuPage County homestead exemption
The general homestead exemption takes up to $8,000 off the EAV of an owner-occupied home in DuPage, because Illinois sets the amount by county: $10,000 in Cook, $8,000 in the counties next to Cook, $6,000 elsewhere.[4] Apply once with your township assessor.
| Exemption | Amount | Who qualifies |
|---|---|---|
| General Homestead Exemption | $8,000 EAV | Owner-occupied principal residence. The amount is the increase in EAV over the 1977 EAV, up to $8,000 in counties next to Cook (DuPage), $10,000 in Cook and $6,000 elsewhere. Apply with your township assessor; it renews while you own and live in the home. |
| Senior Citizens Homestead Exemption (age 65+) | $8,000 EAV | Owner-occupant 65 or older during the tax year; $8,000 EAV in Cook and the counties next to it, $5,000 elsewhere. Form PTAX-324 with the Chief County Assessment Office (Supervisor of Assessments). |
| Low-Income Senior Citizens Assessment Freeze | Freeze | Age 65+, total household income of $75,000 or less for tax year 2026 (payable 2027), $77,000 for 2027 and $79,000 for 2028 and after; freezes the EAV at the base year. File Form PTAX-340 every year. |
| Homestead Exemption for Persons with Disabilities | $2,000 EAV | Owner-occupant with a disability; cannot be combined with the veterans' exemptions in the same year. Form PTAX-343 with proof of disability, renewed each year with PTAX-343-R. |
| Veterans with disabilities, 30–49% rating | $2,500 EAV | Service-connected disability of 30–49% certified by the VA. Form PTAX-342. |
| Veterans with disabilities, 50–69% rating | $5,000 EAV | Service-connected disability of 50–69%. Form PTAX-342. |
| Veterans with disabilities, 70% or more | First $250,000 EAV exempt | Service-connected disability of 70% or more: the first $250,000 of EAV is exempt. Form PTAX-342. |
| Returning Veterans' Homestead Exemption | $5,000 EAV | Veteran returning from active duty in an armed conflict; the year of return and the next year. Form PTAX-341. |
Every exemption on this list is an EAV amount, so its dollar value is the amount times your rate: $8,000 × 5.8307% is $466 in Naperville. Cook County's version of these rules is on the Cook County property tax page.
Senior exemptions and the assessment freeze
At 65 the Senior Citizens Homestead Exemption adds another $8,000 EAV, with no income test: a $600,000 Elmhurst home pays $11,112.19 with the general homestead and $10,649.18 once the owner is 65.[4][3]
Seniors with household income of $75,000 or less (tax year 2026) can also freeze their EAV at the base year with the Low-Income Senior Citizens Assessment Freeze, filed every year on Form PTAX-340; the bill can still rise if rates rise.[4] Standard Homestead Exemption for Veterans with Disabilities: $2,500 EAV (30–49%), $5,000 (50–69%), first $250,000 EAV exempt at 70% or more; Returning Veterans' exemption $5,000 EAV for two years.[4] Other counties' programs are compared on property tax exemptions for seniors.
DuPage County property tax due dates
Tax year 2025 bills are paid in two equal installments, due June 1 and September 1, 2026; a late installment accrues 1.5% interest a month.[5][6]
- Spring 2026 (the 2025 calendar mailed bills April 30) — Tax year 2025 bills mailed
- June 1, 2026 — 1st installment due (1.5% interest a month if late)
- September 1, 2026 — 2nd installment due (1.5% interest a month if late)
- Fall — Unpaid taxes (Pre-delinquent bills in late September, delinquent taxes published in the newspaper in October, then the annual tax sale)
Taxes still unpaid in the fall go to pre-delinquent bills, newspaper publication and the annual tax sale.[6] Dates for other counties are on property tax due dates.
How to appeal your DuPage County assessment
File with the DuPage County Board of Review within 30 days after your township's assessments are published; each of the nine townships publishes on its own date, and talking to the township assessor does not extend the window.[7][8]
- Check the publication date for your township on the Supervisor of Assessments' assessment status page and count 30 days.
- Gather recent sales of similar homes, or an appraisal; the Board wants the evidence with the filing, and appraisal reports are accepted up to 10 calendar days after the deadline.[8]
- File online: from 2026 the Board of Review takes appeals only by electronic filing (SmartFile).[7]
- If you disagree with the decision, appeal to the Illinois Property Tax Appeal Board within 30 days of the decision notice.[9]
To turn your comparable sales into a fair-value estimate first, use the free property tax assessment appeal calculator (an estimate, not an appraisal, and not legal advice).
What DuPage County homeowners typically pay
Census figures for 2024 put the median property tax paid by DuPage County homeowners at $7,812 on a median home value of $409,100, an effective rate of about 1.91%.[10][11]
Illinois' effective rate is compared with other states on property tax rates by state.
Common mistakes
- Charging the rate on market value. DuPage taxes one-third of value: 5.83% on a $450,000 home is charged on $150,000, not $450,000.
- Using a neighbor's rate. A Naperville mailing address is not always the City of Naperville: an unincorporated Lisle Township parcel in District 203 pays no city or park levy but the Lisle-Woodridge Fire District's 0.7616%, for a total of 5.7631%. The tax code on your bill decides.[3]
- Missing the 30-day window. It runs from your township's publication date, not from when you read the notice. Compare counties from the property tax calculator.
Frequently asked questions
What is the property tax rate in DuPage County?
It depends on the tax code: 5.8307% in Naperville (7025), 5.7876% in Elmhurst (6046) and 4.9477% in Hinsdale (9059) for tax year 2025, charged on one-third of value after exemptions.
How much is property tax on a $500,000 house in Naperville?
About $9,251 a year with the general homestead exemption, or $9,718 without it, in tax code 7025.
When are DuPage County property taxes due?
For tax year 2025: first installment June 1, 2026, second installment September 1, 2026. Late payments accrue 1.5% interest a month.
How much is the DuPage County homestead exemption?
$8,000 off the equalized assessed value for an owner-occupied home, plus $8,000 more at age 65.
Sources
- Property Tax Statistics, Table 3: 2023 Final Equalization Factors
- Assessment Cycle and Assessment Status (township multipliers and publication dates)
- DuPage County, IL Property Tax Information: property tax by entity, tax year 2025 (tax codes 7025, 6046, 9059)
- Property Tax Relief: homestead exemptions and senior programs
- Tax Information (2026 calendar for 2025 taxes, levy and rate summary)
- Tax Information: 2025 calendar for 2024 taxes (archived copy)
- Appeal Process
- Rules of the Board of Review
- Board of Review
- Table B25103: Mortgage Status by Median Real Estate Taxes Paid (American Community Survey 2024 1-year)
- Table B25077: Median Value (Dollars), owner-occupied housing units (American Community Survey 2024 1-year)
- Property Tax Rate & Reports (tax rate booklet, tax code per district, tax extension report)