Algonquin, IL · Updated Oct 2026

What a Algonquin home costs each year

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Suggestions as you type come from Google; the lookup uses free public map services to find who serves it. Not stored unless you save your house.

Example · a Algonquin house

$12,240a year · $1,020 a month

Starts at $117,000 of value before exemptions. Typical use.

Property tax$8,391
7.698% of $117,000, less $8,000 general homestead exemption
Electricity and gas$1,845
609 kWh a month $1,372 · 31 therms $473
Water and sewer$1,742
7,000 gallons a month on Village of Algonquin: water $63, sewer $82 a month
Trash$262
95-gallon cart (default; 65-gallon at the same price), $22 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Algonquin house costs about $12,200 a year: $8,390 property tax and charges, $1,740 water and sewer, $260 trash, $1,850 electricity and gas; home insurance is not included (no typical premium yet). Estimated from public rates, not anyone's actual bill.

Rates checked Oct 30, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.

Ways to pay less

One change saves this house about $12 a year:

Water bill autopay rebate
$12 a year
A $(0.50) monthly autopay (ACH) rebate is listed for each of the water and sewer infrastructure fees.
How: Enroll in AutoPay (ACH) with Village water billing.

Worth checking

Switch to the 35-gallon cart (age 65+ only) cartUp to $100 a year
Your cart costs $22 a month; the smallest costs $14. Worth it if you rarely fill it.
How: A 65-gallon cart is available at the same rate by contacting Groot at 847-734-6400.
Seniors 65+: senior homestead exemption
Reduces equalized assessed value by up to $8,000.
How: See the McHenry County Assessments exemptions page.
Seniors 65+: low-income assessment freeze
Freezes the equalized assessed value at the base year (year before first qualifying). Must be 65 or older, household income $75,000 or less.
How: Apply with the Senior Freeze form from the County.
Persons with disabilities exemption
$2,000 off equalized assessed value annually.
How: Provide proof of disability (e.g., Social Security eligibility or Illinois disability ID).
Seniors 65+: 35-gallon cart at a lower rate$100 a year
Senior option is $13.50 a month for a 35-gallon cart, against $21.84 for the default 95-gallon cart.
How: Apply online at www.groot.com/algonquin-signup.

Money dates

November 16, 2026in 12 daysDeadline for filing an assessment complaint (Algonquin Township), at midnight.
MonthlyWater and sewer services are billed to customers in arrears (actual usage in the prior billing period) on a monthly basis.

Who serves this house

Water: Village of Algonquin; Inside corporate limits, water is $8.65 per 1,000 gallons (rates effective November 2026), plus a $5.00 monthly infrastructure fee.
Property tax: 7.70% of value; 2025 tax year (payable 2026), McHenry County, tax code 19005 (Algonquin Township)
Garbage: Groot Industries; Groot Industries provides waste management services for Algonquin residents, offering flexible refuse programs, recycling, yard waste collection, and bulk item disposal.
Electricity: ComEd; ComEd provides electric delivery service to customers in Algonquin.
Gas: Nicor Gas; Algonquin is listed in Nicor Gas's territory municipalities (McHenry County).

Pay or manage your bills

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How these numbers are made

Property tax uses the 2025 McHenry County rates for tax code 19005 (Algonquin Township, School District 300, Elgin Community College 509, Algonquin-Lake in the Hills Fire District) from the county clerk's District Rates by Taxcode report; part of the village lies in Kane County and other codes differ. The Village's own rate history lists 0.486 per $100 for levy year 2024; the county 2025 figure of 0.476847 is used.
The starting value is one third of the Data USA median property value ($351,000 / 3) because Illinois taxes equalized assessed value; the $8,000 general homestead exemption comes off it. The township equalization factor (which the county applies to bring assessments to 33 1/3%) is modelled as 1.0; the county's page shows 1.0524 only in a worked example.
Water ($8.65), sewer ($11.43) per 1,000 gallons and two $5.00 monthly infrastructure fees are the Village rates effective November 2026; the tripling above 20,000 gallons applies to the water tier, and the sewer charge is not tripled in the model.
Trash is the 95-gallon cart at $21.84 a month from the Village's June 2026 cart program; yard waste and overflow stickers are extra.
Electricity is ComEd single-family without electric space heat (January 2026 delivery lines plus October 2026 supply and transmission); gas is Nicor Rate 1 with the October 2026 gas cost. The Village's electricity tax (.459 cents per kWh on the first 2,000 kWh) and gas tax ($0.0103 per therm) are folded into the per-kWh and per-therm rates; other riders and state taxes are not modelled.
Nothing here is legal, tax or insurance advice.

Sources

How Algonquin compares

A typical Algonquin house against the 132 Illinois cities we cover, using the same default numbers as the total above.

Per year	Algonquin	Median	Where it falls
Property tax rate	7.70%	8.23%	lower than 81 of the other 131 Illinois cities we cover
Water	$759	$872	lower than 82 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$983	$535	higher than 110 of the other 123 Illinois cities we cover
Trash	$262	$283	lower than 80 of the other 127 Illinois cities we cover
Electricity and gas	$1,845	$2,163	lower than 114 of the other 131 Illinois cities we cover
Total	$12,240	$11,701	higher than 78 of the other 131 Illinois cities we cover

Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.

Questions to ask your candidates

Each one starts from a number above. Any candidate can answer them.

1. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $983 a year, higher than 110 of the other 123 Illinois cities we cover. Some cities bill sewer on the property tax bill instead, which is not counted here.

Ask: "Sewer and flat utility-bill charges here cost about $983 a year, higher than 110 of the other 123 Illinois cities we cover. What drives that cost, and would you change anything?"

2. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $1,845 a year, lower than 114 of the other 131 Illinois cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $1,845 a year for a typical house, lower than 114 of the other 131 Illinois cities we cover. Which parts of that can the city influence, and what would you do about them?"

Common questions about Algonquin house costs

What is the property tax rate in Algonquin?

About 7.70% of the value before exemptions a year (2025 tax year (payable 2026), McHenry County, tax code 19005 (Algonquin Township)), plus flat charges on the same bill.

How much is property tax on a $500,000 house in Algonquin?

About $37,873 a year on $500,000 of the value before exemptions with the general homestead exemption.

How much is the water bill in Algonquin?

About $145 a month for water and sewer at typical use (7,000 gallons a month) on Village of Algonquin.

How much does trash pickup cost in Algonquin?

$14 to $22 a month, depending on the trash cart size (95-gallon cart (default; 65-gallon at the same price), 35-gallon cart (age 65+ only)).

Can seniors lower their property tax or bills in Algonquin?

Yes. Switch to the 35-gallon cart (age 65+ only) cart (up to $100 a year): Your cart costs $22 a month; the smallest costs $14. Worth it if you rarely fill it.

Where can I get help paying utility bills in Algonquin?

Seniors 65+: low-income assessment freeze: Freezes the equalized assessed value at the base year (year before first qualifying). Must be 65 or older, household income $75,000 or less. Apply with the Senior Freeze form from the County.

How much does a house in Algonquin cost to run each year?

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