Taxes in O Fallon, Illinois
Complete tax guide for O Fallon, IL. State income tax up to 4.95%, 2.07% property tax, 6.91% sales tax. Calculate your total tax burden.
State Income Tax
4.95%
Illinois
Property Tax
2.07%
Effective rate
Sales Tax
6.91%
Combined rate
Tax Burden
High
O Fallon, IL Tax Overview
Population
32,024
Median Income
$59,500
Cost of Living
93.3 (100 = avg)
State Income Tax
4.95%
Median Home Price
$234,000
O Fallon Tax Calculator
Pre-filled with O Fallon median: $59,500
Total Tax Burden in O Fallon
$12,599
Take-Home: $46,902 · Effective Rate: 21.17%
Federal Tax
$5,102
8.57% eff.
IL State
$2,945
4.95% eff.
FICA
$4,552
7.65% eff.
Take-Home
$46,902
78.83% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $59,500.00 | $4,958.33 |
| Federal Income Tax | -$5,101.50 | -$425.13 |
| Illinois State Tax | -$2,945.25 | -$245.44 |
| Social Security (6.2%) | -$3,689.00 | -$307.42 |
| Medicare (1.45%) | -$862.75 | -$71.90 |
| Take-Home Pay | $46,901.50 | $3,908.46 |
Property Tax in O Fallon
Median Home
$234,000
Annual Tax
$4,844
Monthly Tax
$404
Effective Rate
2.07%
Sales Tax in O Fallon
Combined Rate
6.91%
State Portion
~4.4%
Local Portion
~2.5%
The combined sales tax rate in O Fallon is 6.91%, which is below the national average of 7.12%. On a $100 purchase, you would pay $6.91 in sales tax.
Tax Burden Comparison
| Tax Type | O Fallon | Illinois Avg | National Avg |
|---|---|---|---|
| Income Tax | 4.95% | 4.95% | 4.6% |
| Property Tax | 2.07% | ~2.07% | 1.1% |
| Sales Tax | 6.91% | ~6.91% | 7.12% |
| Overall Burden | High | — | Moderate |
Tax Saving Tips for O Fallon Residents
- Illinois's income tax rate of 4.95% is competitive. You may still benefit from maximizing 401(k) contributions ($23,500 limit) to reduce your taxable income at both state and federal levels.
- Property tax in O Fallon (2.07%) is above the national average. Check if you qualify for homestead exemptions or assessment appeals to reduce your property tax bill.
- Use a Health Savings Account (HSA) if eligible. Contributions are tax-deductible ($4,300 individual, $8,550 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
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See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in O Fallon, IL?
O Fallon, Illinois has a state income tax rate up to 4.95%. The property tax rate is 2.07% and the combined sales tax rate is 6.91%.
How much is property tax in O Fallon?
The effective property tax rate in O Fallon is 2.07%. On the median home price of $234,000, this equals approximately $4,844 per year or $404 per month. This is above the national average of 1.1%.
What is the sales tax rate in O Fallon?
The combined sales tax rate in O Fallon is 6.91%, which includes both state and local components. This is below the national average combined rate of approximately 7.12%.
How does O Fallon's tax burden compare to other cities?
O Fallon has a high overall tax burden. The effective total tax rate for a median-income household is approximately 30.4%. The combination of 4.95% state income tax, 2.07% property tax, and 6.91% sales tax determines the total burden. Cost of living index is 93.3 (100 = national average).
Are there any local taxes in O Fallon?
O Fallon does not impose a separate local or city income tax. Residents pay the state income tax of 4.95%, federal income tax, and FICA (Social Security and Medicare).