Taxes & Insurance in Belleville
Belleville's tax picture carries a real, notable nuance: a property tax rate running above its own county's average, alongside Illinois's statewide flat income tax and its substantial retirement-income exemption.
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Learn moreA real, notable property-tax nuance
Belleville's median effective property tax rate ran 2.55% (Ownwell) -- meaningfully HIGHER than St. Clair County's own broader average effective rate of 2.03%, making Belleville itself a comparatively high-tax pocket within its own county, not merely a county-wide figure.
A modest dollar bill despite the elevated rate
Because Belleville's home values run genuinely low ($141,300-$158,463 median), even this elevated rate produces a comparatively modest dollar tax bill relative to Illinois's more expensive markets -- confirm the specific current bill for any address you're considering.
Illinois's flat income tax and retirement-income exemption
Illinois's statewide flat 4.95% income tax applies to wages in Belleville exactly as elsewhere in the state, and Illinois taxes NONE of a retiree's Social Security, pension, or 401(k)/IRA income -- a real, statewide benefit available to any future Belleville retiree, even though the city's current senior population share runs close to the national average rather than elevated.
No Belleville-specific homeowners-insurance figure identified
This research pass did not find a Belleville-specific homeowners-insurance premium figure distinct from Illinois's statewide range ($2,402-$3,108/year, per illinois.js) -- disclosed as a gap.
Key takeaways
- Belleville's property tax rate (2.55%) runs meaningfully above St. Clair County's own broader average (2.03%).
- Belleville's low home values keep the resulting dollar bill comparatively modest despite the elevated rate.
- Illinois's flat 4.95% income tax and full retirement-income exemption apply statewide.
- No Belleville-specific insurance premium was identified this pass; confirm a current quote directly.
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