Taxes in Springfield, Illinois
Complete tax guide for Springfield, IL. State income tax up to 4.95%, 2.08% property tax, 9% sales tax. Calculate your total tax burden.
State Income Tax
4.95%
Illinois
Property Tax
2.08%
Effective rate
Sales Tax
9%
Combined rate
Tax Burden
Moderate
Springfield, IL Tax Overview
State capital; moderate cost of living
Population
114,394
Median Income
$55,246
Cost of Living
86.3 (100 = avg)
State Income Tax
4.95%
Median Home Price
$135,000
Springfield Tax Calculator
Pre-filled with Springfield median: $55,246
Total Tax Burden in Springfield
$11,552
Take-Home: $43,694 · Effective Rate: 20.91%
Federal Tax
$4,591
8.31% eff.
IL State
$2,735
4.95% eff.
FICA
$4,226
7.65% eff.
Take-Home
$43,694
79.09% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $55,246.00 | $4,603.83 |
| Federal Income Tax | -$4,591.02 | -$382.59 |
| Illinois State Tax | -$2,734.68 | -$227.89 |
| Social Security (6.2%) | -$3,425.25 | -$285.44 |
| Medicare (1.45%) | -$801.07 | -$66.76 |
| Take-Home Pay | $43,693.98 | $3,641.17 |
Property Tax in Springfield
Median Home
$135,000
Annual Tax
$2,808
Monthly Tax
$234
Effective Rate
2.08%
Sales Tax in Springfield
Combined Rate
9%
State Portion
~6.5%
Local Portion
~2.5%
The combined sales tax rate in Springfield is 9%, which is above the national average of 7.12%. On a $100 purchase, you would pay $9.00 in sales tax.
Tax Burden Comparison
| Tax Type | Springfield | Illinois Avg | National Avg |
|---|---|---|---|
| Income Tax | 4.95% | 4.95% | 4.6% |
| Property Tax | 2.08% | ~2.08% | 1.1% |
| Sales Tax | 9% | ~9% | 7.12% |
| Overall Burden | Moderate | — | Moderate |
Tax Saving Tips for Springfield 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 Springfield (2.08%) is above the national average. Check if you qualify for homestead exemptions or assessment appeals to reduce your property tax bill.
- The combined sales tax rate of 9% is relatively high. Consider making large purchases in lower-tax jurisdictions or online retailers that do not charge local tax rates.
- 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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HighCalculate Your Full Illinois Tax Burden
See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in Springfield, IL?
Springfield, Illinois has a state income tax rate up to 4.95%. The property tax rate is 2.08% and the combined sales tax rate is 9%. State capital; moderate cost of living
How much is property tax in Springfield?
The effective property tax rate in Springfield is 2.08%. On the median home price of $135,000, this equals approximately $2,808 per year or $234 per month. This is above the national average of 1.1%.
What is the sales tax rate in Springfield?
The combined sales tax rate in Springfield is 9%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does Springfield's tax burden compare to other cities?
Springfield has a moderate overall tax burden. The effective total tax rate for a median-income household is approximately 28.2%. The combination of 4.95% state income tax, 2.08% property tax, and 9% sales tax determines the total burden. Cost of living index is 86.3 (100 = national average).
Are there any local taxes in Springfield?
Springfield 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). State capital; moderate cost of living