Centralia, IL · Updated Oct 2026

What a Centralia 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 Centralia house

$8,009a year · $667 a month

Starts at $29,867 of value before exemptions. Typical use.

A typical Centralia house costs about $8,000 a year: $1,700 property tax and charges, $1,530 water and sewer, $300 trash, $3,130 electricity and gas, $1,340 home insurance. 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
Reduces the EAV by an additional $5,000 (for most counties) for homeowners 65 or older who own and occupy their home.
Seniors 65+ with household income of $65,000 or less: assessment freeze
The low-income senior citizens assessment freeze homestead exemption freezes the EAV at a base year value for eligible seniors.

Who serves this house

Water: City of Centralia Water; Inside city limits, rates effective January 1, 2026 billing; a water filtration plant replacement surcharge of $1.25 per 1,000 gallons applies inside the city limits from January 1, 2025.
Property tax: 7.13% of value; 2025 tax year (payable 2026), Marion County
Garbage: CWI; CWI is the City’s provider for garbage and refuse services.
Electricity: Ameren Illinois / City aggregation; The City’s municipal aggregation program electric rate resets in June 2026 at $0.1309.

Pay or manage your bills

Utility payment options and rates ↗

Your water

Source: The City of Centralia water system is surface water, drawn from intakes at Lake Carlyle.
Lead: Lead 90th percentile 1.7 ppb in the 07/22/2024 sampling, with 0 sites over the action level.

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How these numbers are made

Property tax uses the 2025 total rate of 7.12735 per $100 of EAV for Marion County tax code 14001 (Centralia), as extended on the county bill; the component districts are not itemised here. Centralia also lies partly in Clinton, Jefferson and Washington counties; those parts and other school districts carry other rates.
Starting value is one third of the $89,600 Census-based median property value; the $6,000 general homestead exemption comes off it.
Water uses the City monthly inside-city tiers effective January 1, 2026 billing, plus the $1.25 per 1,000 gallon filtration plant surcharge per the December 2023 ordinance (the surcharge is added to the fixed first-1,000-gallon charge and to every tier). Sewer is $12.27 for the first 1,000 gallons then $6.51 per 1,000.
Trash is $25.41 a month on the city rate sheet (October 2025 billing); the CWI contract has an annual escalator, so an October 2026 increase is possible but unpublished. Electric adds the City aggregation supply rate of 13.09 cents per kWh (June 2026) to Ameren Illinois delivery and riders; gas is Ameren GDS-1 plus the October 2026 supply price.
The 10% late penalty on City utility bills is a standing rule, not a dated event, so it is not listed under dates.
Nothing here is legal, tax or insurance advice.

Sources

How Centralia compares

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

Per year	Centralia	Median	Where it falls
Property tax rate	7.13%	8.23%	lower than 103 of the other 131 Illinois cities we cover
Water	$938	$872	higher than 74 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$595	$535	higher than 73 of the other 123 Illinois cities we cover
Trash	$305	$283	higher than 79 of the other 127 Illinois cities we cover
Electricity and gas	$3,127	$2,163	higher than 130 of the other 131 Illinois cities we cover
Home insurance	$1,343	$1,343	in the middle of 8 other Illinois cities we cover
Total	$8,009	$11,701	lower than 120 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. Property tax rate

The fact: Centralia's property tax rate is 7.13%, lower than 103 of the other 131 Illinois cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Centralia is 7.13%, lower than 103 of the other 131 Illinois cities we cover. What should that money pay for first, and would you change anything about how it is set?"

2. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $3,127 a year, higher than 130 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 $3,127 a year for a typical house, higher than 130 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 Centralia house costs

What is the property tax rate in Centralia?

About 7.13% of the value before exemptions a year (2025 tax year (payable 2026), Marion County), plus flat charges on the same bill.

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

About $35,209 a year on $500,000 of the value before exemptions with the general homestead exemption.

How much is the water bill in Centralia?

About $128 a month for water and sewer at typical use (7,000 gallons a month) on City of Centralia Water.

How much does trash pickup cost in Centralia?

$25 a month for a house.

Can seniors lower their property tax or bills in Centralia?

Yes. Seniors 65+: senior homestead exemption: Reduces the EAV by an additional $5,000 (for most counties) for homeowners 65 or older who own and occupy their home.

Where can I get help paying utility bills in Centralia?

Seniors 65+ with household income of $65,000 or less: assessment freeze: The low-income senior citizens assessment freeze homestead exemption freezes the EAV at a base year value for eligible seniors.

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

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