Cost of Living in Mattoon
Mattoon's cost of living pairs genuinely low housing costs with a real, disclosed property tax rate above Illinois's own statewide average and a combined sales tax reaching 8.75%.
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Learn moreGenuinely low housing costs
Mattoon's median property value was $97,700 in 2024 (Data USA) -- well below both Illinois's own statewide average ($294,136, illinois.js) and Coles County's own broader $127,400 figure for the same year.
A property tax rate matching the county average, above the state average
Mattoon's effective property tax rate is 2.27% (Ownwell) -- the same as the Coles County-wide average, but above Illinois's own statewide average of 1.88% (illinois.js). The average Mattoon homeowner pays $2,373 annually, somewhat below the county-wide average of $2,663.
A combined sales tax reaching 8.75%
Mattoon's combined sales tax rate ranges from 7.75% to 8.75% depending on the specific taxing district (6.25% Illinois state + 1% Coles County + 0.5% city + up to 1% special district).
Illinois's statewide retirement-income exemption is genuinely relevant here
Illinois's real, no-threshold exemption of Social Security, pension, and 401(k)/IRA income (illinois.js) pairs naturally with Mattoon's genuinely low home prices and its real, sourced older population (19.3% 65-plus).
Key takeaways
- Median property value ($97,700) runs well below Illinois's statewide average.
- Effective property tax rate (2.27%) matches the Coles County average but runs above Illinois's statewide figure.
- Combined sales tax reaches 8.75% in parts of the city.
- Illinois's retirement-income tax exemption is genuinely relevant given Mattoon's older population.
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