Hoffman Estates, IL · Updated Oct 2026

What a Hoffman Estates 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 Hoffman Estates house

$13,421a year · $1,118 a month

Starts at $115,443 of value before exemptions. Typical use.

Property tax$9,838
9.330% of $115,443, less $10,000 homeowner exemption
Electricity and gas$2,089
693 kWh a month $1,601 · 31 therms $488
Water and sewer$1,242
5,000 gallons a month on Village of Hoffman Estates: water $87, sewer $10, stormwater utility fee (lot 7,501 to 12,500 sq ft) $6 a month
Trash$251
65-gallon toter, regular curb service, $21 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Hoffman Estates house costs about $13,400 a year: $9,840 property tax and charges, $1,240 water and sewer, $250 trash, $2,090 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:

Seniors 65+: reduced garbage rate
The Village offers a senior rate for residents ages 65 and older.
Seniors: Senior Citizen Exemption
The Senior Citizen Exemption is an EAV reduction of $8,000.
Seniors: Senior Freeze Exemption
The Senior Freeze Exemption freezes EAV for homeowners with a maximum income of $65,000.

Who serves this house

Water: Village of Hoffman Estates; Effective from and after bills issued May 1, 2026; rate per 1,000 gallons.
Property tax: 9.33% of value; 2025 tax year (payable 2026), Cook County, Schaumburg Township
Garbage: Groot Industries; Residential service agreement with the Village runs through April 30, 2031.
Electricity: ComEd; Residents previously on the Eligo aggregation program were transferred back to ComEd.
Gas: Nicor Gas; Listed on the Village utilities page.

Pay or manage your bills

Your water

Source: Lake Michigan surface water has been the water source for Hoffman Estates since 1985.
Quality: NO drinking water quality violations were recorded for the Village of Hoffman Estates during 2025.

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How these numbers are made

Property tax uses Cook County's 2025 rates (percent per $100 of equalized assessed value) for the combination of Schaumburg Township, Village of Hoffman Estates, Schaumburg Elementary District 54, Palatine Township High School 211, Harper College, Hoffman Estates Park District and Schaumburg Township Library. Hoffman Estates also lies partly in Hanover, Palatine and Barrington townships, in Kane County, and in School Districts 15 and U-46, Elgin Community College, Poplar Creek library and other park and library districts, so rates vary by address; the village's average composite rate is 9.116 per $100.
The starting value is the Assessor's $381,000 Schaumburg Township median single-family estimate x 10% x the 3.0300 state factor = $115,443, minus the $10,000 homeowner exemption; Hanover Township's median is $312,000.
Water and sewer use the Village's May 1, 2026 rates: $14.31 water and $2.06 sewer per 1,000 gallons ($16.37 combined) plus the $15.73 residential base rate, billed monthly. The default use is the 5,000 gallons a month in the Village's rate study sample bill.
Garbage is $20.95 a month (Regular Curb Service from May 1, 2026) for either toter size, billed on the water bill; recycling toters and unlimited yard waste pickup are included. The stormwater fee uses the middle lot tier ($6.00); lots up to 7,500 sq ft pay $3.50 and larger than 12,500 sq ft pay $8.50.
Electricity is ComEd's 2026 delivery rates plus the non-summer supply price to compare (10.103 cents), the ComEd municipal tax addition for Hoffman Estates (0.578 cents per kWh for the first 2,000 kWh) and the state tax addition (0.330 cents). Gas is Nicor Rate 1 ($21.30 plus 24.44 cents distribution and the October 2026 supply cost of 33 cents per therm) plus Nicor's Hoffman Estates gas use tax of 5.00 cents per therm. Nicor's gross-receipts utility tax list (Rider 8) does not include Hoffman Estates. Nicor riders and ComEd's monthly price changes are not included. Electric and gas typical use is the Illinois EIA average. Not included: homeowners insurance.
Nothing here is legal, tax or insurance advice.

Sources

How Hoffman Estates compares

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

Per year	Hoffman Estates	Median	Where it falls
Property tax rate	9.33%	8.23%	higher than 97 of the other 131 Illinois cities we cover
Water	$1,047	$872	higher than 91 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$196	$535	lower than 104 of the other 123 Illinois cities we cover
Trash	$251	$283	lower than 85 of the other 127 Illinois cities we cover
Electricity and gas	$2,089	$2,163	lower than 72 of the other 131 Illinois cities we cover
Total	$13,421	$11,701	higher than 96 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. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $196 a year, lower than 104 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 $196 a year, lower than 104 of the other 123 Illinois cities we cover. What drives that cost, and would you change anything?"

Common questions about Hoffman Estates house costs

What is the property tax rate in Hoffman Estates?

About 9.33% of the value before exemptions a year (2025 tax year (payable 2026), Cook County, Schaumburg Township), plus flat charges on the same bill.

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

About $45,718 a year on $500,000 of the value before exemptions with the homeowner exemption.

How much is the water bill in Hoffman Estates?

About $104 a month for water and sewer at typical use (5,000 gallons a month) on Village of Hoffman Estates.

How much does trash pickup cost in Hoffman Estates?

$21 a month for a house.

Can seniors lower their property tax or bills in Hoffman Estates?

Yes. Seniors 65+: reduced garbage rate: The Village offers a senior rate for residents ages 65 and older.

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

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