McHenry County effective property tax rates of 2.0–2.4% make it one of the more affordable collar counties on an ongoing-tax basis. Sun City Huntley (McHenry County) runs roughly $3,146/year on the median home — the lowest absolute tax bill of any mega community in the Chicago market, in part because the community's median home value is lower than DuPage or Lake County alternatives. The combination of lower rates and lower home prices produces the most affordable 10-year ownership projection of any large 55+ community in the metro.
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Talk to a Specialist →McHenry County Effective Tax Rate by Home Value
| Purchase Price | Annual Tax (low end) | Annual Tax (high end) | Monthly (avg) |
|---|---|---|---|
| $200,000 | $4,000 | $4,800 | $367 |
| $270,000 | $5,400 | $6,480 | $495 |
| $340,000 | $6,800 | $8,160 | $623 |
| $420,000 | $8,400 | $10,080 | $770 |
McHenry County assesses at 33.33% of market value. Effective rate range reflects variation by municipality and school district. Use the effective rate approach (purchase price × rate) for budgeting rather than trying to calculate from the assessed value figure.
55+ Communities in McHenry County
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Senior Assessment Freeze in McHenry County
McHenry County SCAFP deadline is typically July 1st. Apply through the McHenry County Assessment Office. The freeze is particularly widely used at Sun City Huntley — many long-time residents have frozen assessments significantly below current market values. Ask about current freeze status when reviewing any resale listing.
The standard SCAFP qualification requires age 65+ as of January 1st of the application year and household income under $65,000 including all sources. The freeze locks your assessed value — not your tax rate. If levies increase, your bill can still rise even with a frozen assessment.
Questions About McHenry County 55+ Communities?
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Talk to an AgentRelated: Senior Assessment Freeze Guide · Illinois Retirement Income Tax Exemption · All Chicago Metro 55+ Communities