Harvard, IL · Updated Oct 2026

What a Harvard 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 Harvard house

$7,920a year · $660 a month

Starts at $58,467 of value before exemptions. Typical use.

Property tax$4,233
8.387% of $58,467, less $8,000 general homestead exemption
Electricity and gas$1,808
609 kWh a month $1,339 · 31 therms $469
Water and sewer$1,565
9 units (CCF) a month on City of Harvard: water $67, sewer $63 a month
Trash$315
95-gallon tote (garbage, recycling, e-recycle), $26 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Harvard house costs about $7,900 a year: $4,230 property tax and charges, $1,570 water and sewer, $310 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 31, 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 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: See the McHenry County Assessments exemptions page.
Persons with disabilities exemption
$2,000 off equalized assessed value annually.
How: See the McHenry County Assessments exemptions page.

Money dates

November 16, 2026in 11 daysDeadline for filing an assessment complaint, at midnight.
Every two monthsWater and sewer bills are issued to the property owner every two months.

Who serves this house

Water: City of Harvard; Water Only Unit Charge is $5.53 per 100 cubic feet, effective 5/1/2026; bills are issued every two months.
Property tax: 8.39% of value; 2025 tax year (payable 2026), McHenry County, tax code 01001 (Chemung Township, City of Harvard)
Gas: Nicor Gas; Harvard is listed in Nicor Gas's territory municipalities (McHenry County).

Pay or manage your bills

Water and sewer billing ↗

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How these numbers are made

Property tax uses the 2025 McHenry County rates for tax code 01001 (Chemung Township, Harvard School District 50, McHenry County College 528, Harvard Fire District, City of Harvard); the Alden Township code 02005 inside the city totals 8.494414 and TIF/SSA codes carry the same rates.
The starting value is one third of the Data USA median property value ($175,400 / 3) because Illinois taxes equalized assessed value; the $8,000 general homestead exemption comes off it. Township equalization is modelled as 1.0.
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. No Harvard electricity or gas utility tax was found.
Trash is the 2026 price in Exhibit A of the City's January 1, 2022 agreement with MDC (Marengo Disposal); residents are billed quarterly at the monthly rate. The agreement ends Dec 31, 2026.
Water is $5.53 per 100 cubic feet and sewer is the $11.10 combined water/sewer unit charge minus the $5.53 water-only charge ($5.57), per the ordinance table effective 5/1/2026. The three flat fees required of all water and sewer users (state licensing $1.06, maintenance $25.00, infrastructure $35.00 per two-month bill, $61.06 total) are spread over two months; the ordinance does not say which share belongs to water or sewer, so the infrastructure fee is shown under water and the other two under sewer. The total is exact.
Nothing here is legal, tax or insurance advice.

Sources

Common questions about Harvard house costs

What is the property tax rate in Harvard?

About 8.39% of the value before exemptions a year (2025 tax year (payable 2026), McHenry County, tax code 01001 (Chemung Township, City of Harvard)), plus flat charges on the same bill.

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

About $41,262 a year on $500,000 of the value before exemptions with the general homestead exemption.

How much is the water bill in Harvard?

About $130 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on City of Harvard.

How much does trash pickup cost in Harvard?

$26 a month for a house.

Can seniors lower their property tax or bills in Harvard?

Yes. Seniors 65+: senior homestead exemption: Reduces equalized assessed value by up to $8,000.

Where can I get help paying utility bills in Harvard?

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. See the McHenry County Assessments exemptions page.

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

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