Harwood Heights, IL · Updated Oct 2026

What a Harwood Heights 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 Harwood Heights house

$10,798a year · $900 a month

Starts at $97,536 of value before exemptions. Typical use.

Property tax$7,449
8.509% of $97,536, less $10,000 homeowner exemption
Electricity and gas$2,267
583 kWh a month $1,457 · 74.87 therms $810
Water and sewer$917
9 units (CCF) a month on Village of Harwood Heights water: water $66, sewer $10 a month
Trash$165
Village-issued garbage bin, $14 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Harwood Heights house costs about $10,800 a year: $7,450 property tax and charges, $920 water and sewer, $170 trash, $2,270 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

One change saves this house about $354 a year:

Bring water use down to 5 units
$354 a year
Above 5 units a month, Village of Harwood Heights water charges $7.37 a unit instead of $0.00.
How: Most of the top tier is outdoor watering: fix leaks and water less often in summer.

Worth checking

Homeowner Exemption
The Homeowner Exemption reduces the Equalized Assessed Value (EAV) of a property by $10,000.
How: See the Cook County Assessor's Homeowner Exemption page.
Seniors over 65 with income limits: Senior Freeze
Senior homeowners over 65 with a total household income at or under the Cook County Assessor's limit may qualify for the Senior Freeze exemption.
How: Apply with the Cook County Assessor.
Senior Exemption
The Senior Exemption reduces the Equalized Assessed Value (EAV) of a property by $8,000.
How: See the Cook County Assessor's Senior Exemption page.
Seniors 65+: lower garbage fee
The garbage fee for senior citizens (65 or older) is a bimonthly charge of $19.50; only seniors owning and residing in a single-family residence are eligible to apply.
How: Seniors owning and residing in a single-family residence are eligible to apply for this rate.
Seniors: lower water and sewer rate
The 2026 schedule lists a residential (seniors) water rate of $6.69 and sewer rate of $0.67 per 100 cubic ft, billed bi-monthly.
How: See the Village 2026 Water/Sewer Rate Schedule.

Adjust to match your bills

What you know

Value before exemptionsTax code 26018 totals 8.509394 per $100 (Union Ridge School District 86). Other Harwood Heights codes use School District 79 (7.97) or School District 80 with a park district (7.40). Code 26018 holds the most single-family homes in the county's 2025 parcel data (1,107 vs 769 and 219). The starting value is the Census median converted to an assessed value as if the home were a Class 2 residence at the 10% level.

I live here and have the Homeowner 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 house uses 7–12.

Electricity, kWh a month

On your ComEd bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

After the water bill due datePast due water bills are penalized at a rate of 10% of the total bill - if paid after the due date.

Who serves this house

Water: Village of Harwood Heights water; Effective June 1, 2026, residential: $73.64 minimum charge per billing for the first 1,000 cubic ft, then $7.37 per 100 cubic ft, billed bi-monthly.
Property tax: 8.51% of value; 2025 tax year, Cook County tax code 26018
Garbage: Republic Services; The Village's contracted waste/landscaping hauler is Republic Services.
Water and sewer: Village of Harwood Heights; Residential billing is done on a bi-monthly basis.
Gas: Nicor Gas; Harwood Heights is listed in Nicor Gas's territory schedule.

Pay or manage your bills

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How these numbers are made

Property tax uses Cook County's 2025 agency rates for tax code 26018, the code with the most single-family homes in Harwood Heights (Cook County, Village, Union Ridge School District 86, Community High School District 234, Triton College, Eisenhower Public Library District, Norwood Park Fire Protection District, MWRD; total 8.509394 per $100 of equalized assessed value). Norwood Park Township, road and bridge, consolidated elections and the Forest Preserve are grouped as other districts.
The starting value is the Census median value of owner-occupied homes ($321,900, 2020-2024) times 10% times the 2025 Cook County equalization factor 3.0300; the $10,000 Homeowner Exemption comes off it. It is a market median converted to assessed value, not an assessor figure.
Water and sewer use the Village's June 1, 2026 schedule, billed every two months: $73.64 water and $14.50 sewer minimums (each covering the first 1,000 cubic ft), halved to monthly fixed charges of $36.82 and $7.25, which cover the first 5 ccf a month; use above that is $7.37 and $0.72 per ccf. The Village publishes no typical use.
Garbage is the single-family fee of $27.50 bimonthly from the Village code, halved to $13.75 a month. No newer garbage fee was found. Electricity: ComEd delivery charges plus the October 2026 price to compare plus the state excise tax addition; Gas: Nicor Rate 1 plus October 2026 supply cost.
Municipal utility tax: electricity adds the Village's 0.610 cents per kWh from ComEd's Rider TAX; gas adds the Village's 5% gross receipts tax (Village Code 3.20.015, ORD-24-09), applied to Nicor's monthly charge and per-therm rate as a modelling assumption of how it appears on the bill. Not included: homeowners insurance (no official Illinois premium survey for Harwood Heights found).
Gas: the 5% Village gas tax is modelled as applied to the monthly charge and the per-therm rate.
Nothing here is legal, tax or insurance advice.

Sources

Common questions about Harwood Heights house costs

What is the property tax rate in Harwood Heights?

About 8.51% of the value before exemptions a year (2025 tax year, Cook County tax code 26018), plus flat charges on the same bill.

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

About $41,696 a year on $500,000 of the value before exemptions with the homeowner exemption.

How much is the water bill in Harwood Heights?

About $76 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on Village of Harwood Heights water.

How much does trash pickup cost in Harwood Heights?

$14 a month for a house.

Can seniors lower their property tax or bills in Harwood Heights?

Yes. Seniors over 65 with income limits: Senior Freeze: Senior homeowners over 65 with a total household income at or under the Cook County Assessor's limit may qualify for the Senior Freeze exemption.

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

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