Hillsboro, IL · Updated Oct 2026

What a Hillsboro 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 Hillsboro house

$8,159a year · $680 a month

Starts at $37,233 of value before exemptions. Typical use.

Property tax$2,509
8.033% of $37,233, less $6,000 general homestead exemption
Electricity and gas$3,102
853.4 kWh a month $1,900 · 74.87 therms $1,202
Water and sewer$1,205
3,000 gallons a month on City of Hillsboro Water: water $50, sewer $50 a month
TrashNot included
Price not published
Home insurance$1,343
Typical premium $1,343

A typical Hillsboro house costs about $8,200 a year: $2,510 property tax and charges, $1,210 water and sewer, $3,100 electricity and gas, $1,340 home insurance; trash is billed separately. 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
Persons 65 or older who own and occupy their own home may apply for the Senior Citizens Homestead Exemption, which reduces the EAV of a home by an additional $5,000 (for most counties).
Seniors 65+ with low income: assessment freeze
Persons 65 or older who own and occupy their own home may apply for the Low-Income Senior Citizens Assessment Freeze Homestead Exemption if household income is $65,000 or less and they meet other criteria; the EAV is frozen at a base year value.

Who serves this house

Water: City of Hillsboro Water; Inside-city: $27.65 for the first 1,000 gallons plus a $3.00 meter fee; $9.22 for 1,001-10,000 gallons.
Property tax: 8.03% of value; 2025 tax year (payable 2026), Montgomery County
Garbage: DC Waste; DC Waste, phone 217-532-3706, is the trash and recycling contact listed on the City of Hillsboro welcome page.
Electricity: Ameren Illinois; Hillsboro is on the ICC list of places provided with electric service.

Pay or manage your bills

Water department ↗

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How these numbers are made

Property tax adds the 2025 Montgomery County rates for the Hillsboro corporation, Hillsboro Unit 3 schools, Kaskaskia College, Hillsboro Road District, Hillsboro Township, library, ambulance and county districts, 8.0325 per $100 of EAV in total; a parcel outside a district pays less.
Starting value is one third of the $111,700 Census-based median value; the $6,000 general homestead exemption comes off it.
Water and sewer use the inside-city rates in the City’s April 2026 lead service line plan; water starts at the 1,000-gallon minimum plus a $3.00 meter fee; the City says water rates also move with CPI each January.
Electric: Ameren delivery plus the supply price to compare, weighted 4 summer months and 8 non-summer months; gas is Ameren GDS-1 plus the October 2026 supply price.
Trash: DC Waste does not publish a residential price, so no trash charge is included.
City utility taxes (Code §36-4-1) are folded into the energy rates: electricity 0.504 cents per kWh for the first 2,000 kWh a month; gas 5% of gross receipts (applied to the fixed and per-therm charges). The ordinance's date of last amendment is not stated.
Illinois taxes assessed value at one third of market value; the typical assessed value is one third of the Census median value. Electric and gas rates are weighted/priced as described in the notes above; the typical bills include the city utility taxes. Hillsboro appears on the ICC list of Ameren Illinois electric and gas service areas.
Electric rate = Ameren Illinois delivery plus supply price to compare (June-September 11.326 cents; October-May 10.441 cents up to 800 kWh, 8.262 cents above) plus the city tax. Gas = Ameren GDS-1 ($23.33 customer charge, 48.344 cents per therm) plus Rider GER and the October 2026 supply price of 45.24 cents per therm, plus the 5% city tax.
Nothing here is legal, tax or insurance advice.

Sources

Common questions about Hillsboro house costs

What is the property tax rate in Hillsboro?

About 8.03% of the value before exemptions a year (2025 tax year (payable 2026), Montgomery County), plus flat charges on the same bill.

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

About $39,681 a year on $500,000 of the value before exemptions with the general homestead exemption.

How much is the water bill in Hillsboro?

About $100 a month for water and sewer at typical use (3,000 gallons a month) on City of Hillsboro Water.

How much does trash pickup cost in Hillsboro?

Price not published

Can seniors lower their property tax or bills in Hillsboro?

Yes. Seniors 65+: senior homestead exemption: Persons 65 or older who own and occupy their own home may apply for the Senior Citizens Homestead Exemption, which reduces the EAV of a home by an additional $5,000 (for most counties).

Where can I get help paying utility bills in Hillsboro?

Seniors 65+ with low income: assessment freeze: Persons 65 or older who own and occupy their own home may apply for the Low-Income Senior Citizens Assessment Freeze Homestead Exemption if household income is $65,000 or less and they meet other criteria; the EAV is frozen at a base year value.

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

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