Elmhurst, IL · Updated Oct 2026

What a Elmhurst 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 Elmhurst house

$14,608a year · $1,217 a month

Starts at $181,800 of value before exemptions. Typical use.

Property tax$10,059
5.788% of $181,800, less $8,000 general homestead exemption
Electricity and gas$1,867
609 kWh a month $1,379 · 31 therms $488
Water and sewer$2,439
7,000 gallons a month on City of Elmhurst: water $121, sewer $82 a month
Trash$244
65-gallon cart, $20 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Elmhurst house costs about $14,600 a year: $10,060 property tax and charges, $2,440 water and sewer, $240 trash, $1,870 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:

Switch to the 35-gallon cart cartUp to $50 a year
Your cart costs $20 a month; the smallest costs $16. Worth it if you rarely fill it.
How: Request a different size cart by contacting the City (exchange fee applies).
Seniors 65+: senior homestead exemption
The Senior Homestead Exemption provides for a maximum of an $8,000 reduction from the equalized assessed valuation.
How: Eligible senior taxpayers must complete an application and supply proof of age and property ownership.
General homestead exemption
Beginning 2023 payable 2024, the maximum deduction increases to $8,000 in assessed value.
How: In most cases, the Township Assessor will automatically grant the exemption on behalf of the taxpayer without requiring a formal application.
Seniors 65+ on the Senior Assessment Freeze: no Capital Investment Recovery Charge
The City offers a discount that eliminates the Capital Investment Recovery Charge (CIRC), for a 1” meter or less, for households that receive a Senior Assessment Freeze on their property tax bill.
How: To apply for the discount, contact utility billing at utilitybilling@elmhurst.org or 630-530-3110.
Utility tax rebate (income-based)
Elmhurst Utility Tax Rebate - 50% of Municipal Utility Tax based on annual household income.
How: Apply at the Finance Counter between January 1 and May 15, (630) 530-3000.

Money dates

January 1 – May 15 each yearin 58 daysApply at the Finance Counter for the Elmhurst Utility Tax Rebate.
Each utility bill due dateA late charge equal to 5% of the total amount billed will be assessed on all bills not paid in full by the due date.

Who serves this house

Water: City of Elmhurst; Residential water is $14.82 per thousand gallons, which is the DuPage Water Commission charge of $5.80 plus the Elmhurst water charge of $9.02.
Property tax: 5.79% of value; 2025 tax year (payable 2026), DuPage County, tax code 6046
Garbage: City of Elmhurst; Elmhurst provides weekly trash collection using City-issued carts.
Sewer: City of Elmhurst; Sewer is charged on the City utility bill, which is issued bi-monthly.
Schools: Unit School District 205; Unit School District 205 is the school district in the 6046 tax code.

Pay or manage your bills

Your water

Violations: There were no water quality violations recorded during 2025.
Source: The City of Elmhurst purchases water from the DuPage Water Commission, which purchases water from the City of Chicago.
Hardness: Hardness is about 144 mg/L as CaCO3 or about 8 gr/gal.

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How these numbers are made

Property tax uses DuPage County 2025 final rates for tax code 6046 (York Township with Unit School District 205; total 5.7876 per $100 of equalized assessed value), taken as the largest part of the City; code 3062 (Addison Township) covers the rest.
The starting value is one third of the Census median market value ($545,400 / 3), because Illinois taxes equalized assessed value (about one third of market value). The $8,000 general homestead exemption comes off that value.
Water ($14.82) and sewer ($11.45) are the City's residential rates per thousand gallons. The Capital Investment Recovery Charge ($42.88, in the water fixed charge) and phosphorus fee ($10.00, in the sewer fixed charge) for meters up to 1" are halved to a month because utilities are billed bi-monthly.
Electricity is ComEd single-family without electric space heat: delivery lines from the January 2026 bill insert (same as the Downers Grove page), supply 8.413 and transmission 1.69 cents per kWh for October 2026 through May 2027 (Plug In Illinois), plus the City's 0.546 cents per kWh electricity tax on the first 2,000 kWh. The Purchased Electricity Adjustment is expected to average near zero and no current franchise cost adjustment amount is published on ComEd's price pages, so neither is included; the supply and transmission rates change again in January 2027.
Gas is Nicor Rate 1: $21.30 a month plus 24.44 cents distribution, the October 2026 gas cost of 33 cents per therm, and the City gas utility tax of 5 cents per therm. Garbage is billed by the City by cart size. Homeowners insurance is not included (no official premium survey found). Not included: special service areas.
Nothing here is legal, tax or insurance advice.

Sources

How Elmhurst compares

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

Per year	Elmhurst	Median	Where it falls
Property tax rate	5.79%	8.23%	lower than 126 of the other 131 Illinois cities we cover
Water	$1,454	$872	higher than 124 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$985	$535	higher than 111 of the other 123 Illinois cities we cover
Trash	$244	$283	lower than 88 of the other 127 Illinois cities we cover
Electricity and gas	$1,867	$2,163	lower than 108 of the other 131 Illinois cities we cover
Total	$14,608	$11,701	higher than 109 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: Elmhurst's property tax rate is 5.79%, lower than 126 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 Elmhurst is 5.79%, lower than 126 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. Water

The fact: Water here costs about $1,454 a year at typical use, higher than 124 of the other 131 Illinois cities we cover.

Ask: "Water here costs about $1,454 a year at typical use, higher than 124 of the other 131 Illinois cities we cover. What drives that cost, and would you change anything?"

3. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $985 a year, higher than 111 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 $985 a year, higher than 111 of the other 123 Illinois cities we cover. What drives that cost, and would you change anything?"

4. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $1,867 a year, lower than 108 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 $1,867 a year for a typical house, lower than 108 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 Elmhurst house costs

What is the property tax rate in Elmhurst?

About 5.79% of the value before exemptions a year (2025 tax year (payable 2026), DuPage County, tax code 6046), plus flat charges on the same bill.

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

About $28,475 a year on $500,000 of the value before exemptions with the general homestead exemption.

How much is the water bill in Elmhurst?

About $203 a month for water and sewer at typical use (7,000 gallons a month) on City of Elmhurst.

How much does trash pickup cost in Elmhurst?

$16 to $28 a month, depending on the trash cart size (35-gallon cart, 65-gallon cart, 95-gallon cart).

Can seniors lower their property tax or bills in Elmhurst?

Yes. Seniors 65+: senior homestead exemption: The Senior Homestead Exemption provides for a maximum of an $8,000 reduction from the equalized assessed valuation.

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

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