Belvidere, IL · Updated Oct 2026

What a Belvidere 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 Belvidere house

$6,552a year · $546 a month

Starts at $52,967 of value before exemptions. Typical use.

Property tax$3,741
7.965% of $52,967, less $6,000 general homestead exemption
Electricity and gas$1,808
609 kWh a month $1,339 · 31 therms $469
Water and sewer$699
9 units (CCF) a month on City of Belvidere: water $20, sewer $38 a month
Trash$304
Curbside collection (refuse, recycling and yard waste), $25 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Belvidere house costs about $6,600 a year: $3,740 property tax and charges, $700 water and sewer, $300 trash, $1,810 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

Nothing here applies to every house automatically. These are worth checking:

Seniors 65+: senior homestead exemption
This exemption allows a $5,000 reduction in the EAV of the property.
How: The initial application, Form PTAX-324, must be filed with the chief county assessment officer.
Seniors with household income under $75,000: assessment freeze
Senior citizens with a total household income of less than $75,000 in 2025 can elect to maintain the equalized assessed value of their homes at the base year EAV.
How: Complete and file Form PTAX-340.
Seniors 65+: $3 a month off garbage
A flat discount of $3.00/month off the monthly rate is available for residences with a head of household age 65 or older.
How: Contact Rock River Disposal at 815-965-2489 to apply.

Money dates

June 1 and September 1 each yearBoone County real estate tax installments are due.

Who serves this house

Water: City of Belvidere; Water = $1.87/HCF; one HCF equals 748 gallons.
Property tax: 7.96% of value; 2025 tax year (payable 2026), Boone County, tax code 05005
Garbage: Rock River Disposal; Rock River Disposal is the only licensed hauler permitted to collect residential solid waste in the city limits of Belvidere.
Sewer: City of Belvidere; The current rate for sewer usage is $3.88/HCF.
Gas: Nicor Gas; Rate 1 Residential Service.
Schools: School District 100; SCHOOL DIST 100 is listed in the Boone County 2025 tax rate table.

Pay or manage your bills

Your water

Source: The water supply comes from five wells: Wells 5, 7, 8, 9 and 10.
Hardness: HARDNESS - 19 to 28 grains (avg.)
PFAS: In 2021, Wells 3 & 4 were taken offline and out of service due to testing positive for PFAS.

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How these numbers are made

Property tax uses Boone County 2025 final rates for tax code 05005 (Boone County, County Conservation, Rock Valley College 511, School District 100, Ida Library, Historical Museum, Belvidere Park District, Belvidere Township and Township Road, City of Belvidere; total 7.96467 per $100 of equalized assessed value), the Belvidere code with by far the most value in the county's value report (about $458 million of 4.7 billion across codes; the next largest Belvidere code has about $27 million). Rates in the county table are per $100 of value.
The starting value is one third of the Census median market value ($158,900 / 3), because Illinois taxes equalized assessed value (about one third of market value). The $6,000 general homestead exemption comes off it.
Water $1.87 and sewer $3.88 per HCF (748 gallons) come from the City's rates page. The annual 3/4 inch meter maintenance fee of $16.15 is spread over 12 months. The City also charges a $13.00 billing fee per bill produced; the City's rates page does not state how often bills go out, but February 2017 council minutes show a November bill and a January bill as the two consecutive billing cycles, so bills are modeled as every two months and each fixed charge is $6.50 / 2 = $3.25 a month (the 2017 cycle may have changed since). No typical water use is published, so the page default is used.
Trash is Rock River Disposal's $25.35 a month curbside program from the City's June 2024 franchise mailer; later rate changes, if any, are not published by the City.
Electricity is ComEd single-family without electric space heat ($15.26 + $3.81 + $1.17 a month; per kWh delivery, transmission, rider and supply charges with supply at the Oct 2026-May 2027 Price to Compare). Gas is Nicor Rate 1 ($21.30 a month plus 24.44 cents distribution and the October 2026 gas cost of 33 cents). Other Nicor and ComEd riders, any city gas tax, and homeowners insurance are not included.
The City also bills an annual meter maintenance fee ($16.15 for a 3/4 inch meter) that is not included here because the City's page does not say which meter size homes use.
Nothing here is legal, tax or insurance advice.

Sources

How Belvidere compares

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

Per year	Belvidere	Median	Where it falls
Property tax rate	7.96%	8.23%	lower than 72 of the other 131 Illinois cities we cover
Water	$241	$872	lower than 131 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$458	$535	lower than 72 of the other 123 Illinois cities we cover
Trash	$304	$283	higher than 77 of the other 127 Illinois cities we cover
Electricity and gas	$1,808	$2,163	lower than 120 of the other 131 Illinois cities we cover
Total	$6,552	$11,701	lower than 128 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. Water

The fact: Water here costs about $241 a year at typical use, lower than 131 of the other 131 Illinois cities we cover.

Ask: "Water here costs about $241 a year at typical use, lower than 131 of the other 131 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 $1,808 a year, lower than 120 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 $1,808 a year for a typical house, lower than 120 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 Belvidere house costs

What is the property tax rate in Belvidere?

About 7.96% of the value before exemptions a year (2025 tax year (payable 2026), Boone County, tax code 05005), plus flat charges on the same bill.

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

About $39,345 a year on $500,000 of the value before exemptions with the general homestead exemption.

How much is the water bill in Belvidere?

About $58 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on City of Belvidere.

How much does trash pickup cost in Belvidere?

$25 a month for a house.

When is property tax due in Belvidere?

June 1 and September 1 each year: Boone County real estate tax installments are due.

Can seniors lower their property tax or bills in Belvidere?

Yes. Seniors 65+: senior homestead exemption: This exemption allows a $5,000 reduction in the EAV of the property.

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

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