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FIPS: 17111•Rank #81 National•Rank #6 in IL
McHenry County, IL
Forward-Looking Municipal Debt, Assessment Lag & Carrying Cost Audit
Elevated Tax Drift Risk
96% Conf.
Tax Drift Index
54.9/ 100
Elevated Drift Risk
McHenry County Executive Risk Briefing
MSRB EMMA Disclosures & US Census BureauAugust 2026
McHenry County carries a Elevated Tax Drift Score (54.9/100) based on $7,900 in overlapping municipal debt per capita and a +19.5% CAD assessment lag spread. Projected 3-year millage escalation of +0.29% (+29 bps) indicates an estimated +$2,006/yr escrow adjustment on median-priced properties.
Median Home: $315,000Median Income: $94,000Effective Tax: 2.5%
Municipal Debt Per Capita
$7,900
8.4% of Median Income
CAD Valuation Lag
+19.5%
Assessed Value trailing Market HPI
3-Yr Millage Escalation
+29 bps
Effective Rate: 2.5% → 2.8%
Projected Annual Escrow Shock
+$2,006/yr
Estimated on median assessed home
Interactive Property Tax & Escrow Shock Simulator
Model forward-looking ad valorem tax obligations and monthly escrow adjustments for a specific parcel in McHenry County, IL.
$315,000
$0
Current Annual Tax
$7,812
@ 2.48% eff. rate
Year 3 Projected Tax
$9,818
@ 2.77% eff. rate
Net Escrow Increase
+$2,006/yr
+$167/mo mortgage escrow
Projected Shock Attribution Breakdown+29 bps rate shift
1. Muni Bond Debt Service
+12 bps
I&S bond amortization
2. Operating Deficit Drift
+17 bps
M&O budget expansion
3. CAD Valuation Catch-up
+$990/yr
+$39,926 assessed base
Overlapping Taxing Jurisdictions & Debt Obligations
Breakdown of autonomous debt issuers assessing ad valorem property taxes on parcels within McHenry County.
| Entity Name | Entity Type | Outstanding Bond Debt | Debt / Student or Cap | Adopted Millage |
|---|---|---|---|---|
| Crystal Lake Community Consolidated School District 47 | ISD | $180.0M | $24,000 | 1.420% |
5-Year Historical Drift Score & Effective Rate Trajectory
2022
48
2.3% eff.
2023
51
2.4% eff.
2024
52
2.4% eff.
2025
54
2.5% eff.
2026
54.9
2.5% eff.
Statutory Constraint & Legislative Policy
Outer Chicago commuter belt with persistent township-level property tax reassessment variance.
Data Provenance & Audit Citations