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Blog · Basics · 2026-08-05 · 2 min read

The 33⅓% rule, and the counties it does not apply to

Illinois assesses at one third of fair cash value — except in Cook County, and except for farmland.

Illinois sets the general assessment level at 33⅓% of fair cash value. Every county except Cook applies that single ratio to residential, commercial and industrial property alike.

Cook County is different

Cook classifies property and assesses classes at different percentages, with residential lower than commercial. If you are in Cook, arithmetic borrowed from a downstate guide will be wrong, and it will be wrong in the direction that makes your assessment look fine when it is not.

Farmland is different again

Farmland is not assessed on sale price at all. It is assessed on agricultural economic value, derived from soil productivity indexes and expected income. A tillable acre and an identical-looking acre of pasture can carry very different assessments, and a sale down the road is largely irrelevant to either. This is why land assessed as farm sits at a tiny fraction per square foot of the residential lot beside it — not an error, a different statute.

What to do with the ratio

Use it to translate. Your assessed value ÷ 0.3333 is the county's implied opinion of your property's sale price. That is the number to test against reality — and if it is defensible, your case is about equal treatment rather than value.

This is general information about how Illinois assessments and appeals work. It is not legal advice, not an appraisal, and not a prediction about your case. Deadlines and rules differ by county — check yours with your Board of Review.

Check your own assessment free →

More on Basics

What an assessed value actually is It is not a fact the county issued. It is an opinion produced by a model, and opinions can be wrong.Assessed value, market value, fair cash value: three different numbers They are related by a ratio set in statute, and confusing them is the most common reason an appeal goes nowhere.The equalization factor, and why your assessment changed without anyone visiting The state multiplier adjusts a whole county at once. It is not a reassessment, and it is not appealable.How your tax bill is actually calculated, step by step Assessment × equalizer − exemptions × tax rate. Only one of those four is yours to argue with.

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