Geneva, IL · Updated Oct 2026

What a Geneva 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 Geneva house

$13,532a year · $1,128 a month

Starts at $147,133 of value before exemptions. Typical use.

Property tax$10,049
7.223% of $147,133, less $8,000 general homestead exemption
Electricity and gas$2,033
772 kWh a month $1,171 · 74.87 therms $862
Water and sewer$1,121
6 units (CCF) a month on City of Geneva: water $59, sewer $34 a month
Trash$329
65-gallon garbage cart subscription (free 65-gallon recycling cart), $27 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Geneva house costs about $13,500 a year: $10,050 property tax and charges, $1,120 water and sewer, $330 trash, $2,030 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 garbage cart subscription (free 65-gallon recycling cart) cartUp to $14 a year
Your cart costs $27 a month; the smallest costs $26. Worth it if you rarely fill it.
How: Call your garbage hauler.
General homestead exemption
This exemption reduces the Equalized Assessed Value (EAV) by the amount of the exemption. For the current tax assessment year, the reduction is $8,000.
How: Apply with the Kane County Assessment Office.

Adjust to match your bills

What you knowTrash cart

Value before exemptionsThis is Kane County tax code GE019 (City, School District 304, Waubonsee College, park and library); several Geneva codes carry the same 7.222572 total. Parcels in other school or special districts pay different rates.

I live here and have the General homestead exemption

Home insurance, a yearFrom your policy's declarations page.

Your use

Water, units a month

On your water bill. 1 unit (CCF) is 748 gallons. A typical Geneva house uses about 6.

Electricity, kWh a month

On your City of Geneva Electric Division bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Who serves this house

Water: City of Geneva; Water rates are charged per 100 CF by usage tier plus a base fee by meter size; rates change each May 15.
Property tax: 7.22% of value; 2025 tax year (payable 2026), Kane County
Garbage: LRS; The City's refuse provider under a contract running July 1, 2023 to June 30, 2028.
Sewer: City of Geneva; The City's rate tables list the specific rates it charges customers for sewer usage.
Gas: Nicor Gas; Nicor Gas Rate 1 applies to single-family residential customers using gas service primarily for residential purposes.

Pay or manage your bills

Your water

Treatment: The Water Treatment Facility produces final drinking water at a hardness of five to seven grains.

Other IL cities

Naperville home costs Downers Grove home costs Arlington Heights home costs Elmhurst home costs Glenview home costs Lombard home costs Chicago home costs Buffalo Grove home costs Evanston home costs Bartlett home costs Hoffman Estates home costs DeKalb home costs Oak Lawn home costs Normal home costs Carol Stream home costs Streamwood home costs Oswego home costs Park Ridge home costs Palatine home costs Schaumburg home costs Carpentersville home costs Wheeling home costs Hanover Park home costs Skokie home costs Northbrook home costs Rock Island home costs Woodridge home costs Mundelein home costs Elk Grove Village home costs Highland Park home costs Gurnee home costs Algonquin home costs Glen Ellyn home costs Huntley home costs New Lenox home costs Round Lake Beach home costs Batavia home costs Edwardsville home costs Woodstock home costs Yorkville home costs South Elgin home costs Morton Grove home costs Zion home costs Rolling Meadows home costs Lisle home costs Roselle home costs Bloomingdale home costs East Peoria home costs Villa Park home costs Montgomery home costs Blue Island home costs Frankfort home costs East Moline home costs Libertyville home costs Lake Zurich home costs Crest Hill home costs North Aurora home costs Lake Forest home costs Deerfield home costs Sycamore home costs Round Lake home costs Shorewood home costs Bensenville home costs Lemont home costs Bourbonnais home costs Franklin Park home costs Cary home costs Palos Hills home costs Mattoon home costs Washington home costs Norridge home costs Swansea home costs Channahon home costs Lindenhurst home costs Beach Park home costs Mt. Vernon home costs Wauconda home costs Hickory Hills home costs Chicago Ridge home costs Glen Carbon home costs La Grange Park home costs Western Springs home costs Lincolnwood home costs Plano home costs Minooka home costs Winnetka home costs Palos Heights home costs Justice home costs Kewanee home costs Troy home costs River Forest home costs Schiller Park home costs Pingree Grove home costs Burr Ridge home costs Fox Lake home costs Columbia home costs Manhattan home costs Barrington home costs Summit home costs Crestwood home costs River Grove home costs Lyons home costs Wood River home costs Winfield home costs Highland home costs Aurora home costs Des Plaines home costs Orland Park home costs Tinley Park home costs Oak Park home costs Moline home costs Romeoville home costs St. Charles home costs Glendale Heights home costs Wilmette home costs West Chicago home costs Belvidere home costs Carbondale home costs Grayslake home costs Darien home costs Evergreen Park home costs Alsip home costs Godfrey home costs Westchester home costs Prospect Heights home costs La Grange home costs Warrenville home costs Macomb home costs Sterling home costs Centralia home costs Pontiac home costs Hawthorn Woods home costs Itasca home costs Manteno home costs Willowbrook home costs Bethalto home costs Gilberts home costs Riverside home costs Hampshire home costs Lake Villa home costs Glencoe home costs Rock Falls home costs Oak Brook home costs Lincolnshire home costs Hillside home costs Greenville home costs Mendota home costs Mt. Zion home costs Carterville home costs Coal City home costs Lake Bluff home costs Posen home costs Wonder Lake home costs Poplar Grove home costs Berkeley home costs Flossmoor home costs Sugar Grove home costs Harwood Heights home costs Jerseyville home costs West Dundee home costs Countryside home costs Hillsboro home costs Carlinville home costs Volo home costs Harvard home costs

How these numbers are made

Property tax uses Kane County's 2025 rates (payable 2026) for tax code GE019, total 7.222572 per $100: county, forest preserve, township, road district, City of Geneva, School District 304, Waubonsee College, park district and library. Several Geneva codes carry the same total; the booklet lists many other codes (other school or park districts) at different rates.
The starting value is one third of the Census median market value ($441,400 / 3) because Illinois taxes equalized assessed value at 33.33%. The $8,000 general homestead exemption comes off it.
Water and sewer use the City's 2026-27 schedule (bills from May 15, 2026): water base $18.52 for a 3/4-inch meter plus $6.77 per CCF up to 15 CCF a month, $6.26 to 200 CCF, $6.05 above; sewer $12.05 plus $3.71 per CCF. The City's own average residential example (3/4-inch meter, 700 cubic feet) is $59.14 water + $34.31 sewer = $93.45, which equals the base fee plus 6 CCF at the per-CCF rates, not 7 (7 CCF would give about $103.93, roughly $10.50 a month more). No published reason was found, so the typical usage is set to 6 billed CCF to match the City's published average bill; the stored rates are the published ones.
Electricity is the City's residential rate for April 2025 to April 2027, $8 a month plus $0.1160 per kWh. The City's published residential rate sheet lists only the customer charge and per-kWh rate, with no adjustment line. Gas is Nicor Rate 1 with the 33-cent October 2026 gas cost, current riders, the $0.18 monthly Geneva franchise cost and Geneva's 5.15% municipal utility tax charge (Rider 8) applied to the whole bill.
Garbage is the 65-gallon LRS cart subscription; the City's other option is pay-as-you-throw stickers ($4.51 each, 2026-27 rate year), which is cheaper for a household with little trash. The free 65-gallon recycling cart is included. Home insurance is not included: no official Geneva or Illinois premium survey was found. Stormwater is not billed on the utility bill that we could find.
Nothing here is legal, tax or insurance advice.

Sources

How Geneva compares

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

Per year	Geneva	Median	Where it falls
Property tax rate	7.22%	8.23%	lower than 101 of the other 131 Illinois cities we cover
Water	$710	$872	lower than 99 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$412	$535	lower than 79 of the other 123 Illinois cities we cover
Trash	$329	$283	higher than 94 of the other 127 Illinois cities we cover
Electricity and gas	$2,033	$2,163	lower than 78 of the other 131 Illinois cities we cover
Total	$13,532	$11,701	higher than 98 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: Geneva's property tax rate is 7.22%, lower than 101 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 Geneva is 7.22%, lower than 101 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 $710 a year at typical use, lower than 99 of the other 131 Illinois cities we cover.

Ask: "Water here costs about $710 a year at typical use, lower than 99 of the other 131 Illinois cities we cover. What drives that cost, and would you change anything?"

Common questions about Geneva house costs

What is the property tax rate in Geneva?

About 7.22% of the value before exemptions a year (2025 tax year (payable 2026), Kane County), plus flat charges on the same bill.

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

About $35,535 a year on $500,000 of the value before exemptions with the general homestead exemption.

How much is the water bill in Geneva?

About $93 a month for water and sewer at typical use (6 units, or 4,488 gallons a month) on City of Geneva.

How much does trash pickup cost in Geneva?

$26 to $29 a month, depending on the trash cart size (35-gallon garbage cart subscription (free 65-gallon recycling cart), 65-gallon garbage cart subscription (free 65-gallon recycling cart), 95-gallon garbage cart subscription (free 65-gallon recycling cart)).

Can seniors lower their property tax or bills in Geneva?

Yes. Switch to the 35-gallon garbage cart subscription (free 65-gallon recycling cart) cart (up to $14 a year): Your cart costs $27 a month; the smallest costs $26. Worth it if you rarely fill it.

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

All Illinois cities All cities