Lake Bluff, IL · Updated Oct 2026

What a Lake Bluff 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 Lake Bluff house

$19,423a year · $1,619 a month

Starts at $258,900 of value before exemptions. Typical use.

Property tax$16,074
6.407% of $258,900, less $8,000 general homestead exemption
Electricity and gas$2,314
583 kWh a month $1,454 · 74.87 therms $860
Water and sewer$1,035
7,000 gallons a month on Village of Lake Bluff: water $63, sewer $7, stormwater utility fee (typical homeowner) $16 a month
TrashIncluded
The Village property tax levy includes a Garbage Disposal fund
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Lake Bluff house costs about $19,400 a year: $16,070 property tax and charges, $1,030 water and sewer, $2,310 electricity and gas; trash is paid through property tax, and 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:

Owner-occupied: general homestead exemption
Lowers the equalized assessed value of the property by $8,000.
How: Apply through the Chief County Assessment Office.
Seniors 65+: senior homestead exemption
Lowers the equalized assessed value of the property by $8,000 and may be claimed in addition to the General Homestead Exemption.
How: Apply through the Chief County Assessment Office.
Limited trash service: opt in to one cart weekly
Groot collects only one cart of landfill waste weekly; extra landfill containers need a $2 prepaid sticker.
How: Opt-in limited service is described on the Village sanitation page.

Money dates

QuarterlyWater meters are read and billed quarterly.

Who serves this house

Water: Village of Lake Bluff; Within-village water rate effective 5/1/26; meters are read and billed quarterly.
Property tax: 6.41% of value; 2025 tax year (payable 2026), Lake County
Garbage: Groot Industries; Groot collects landfill waste presented at the curb.

Pay or manage your bills

Your water

Source: The Village purchases water from the Central Lake County Joint Action Water Agency (JAWA).
Account maintenance: The Village's budget lists a $10.00 per quarter service charge on all accounts.

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How these numbers are made

Property tax uses Lake County 2025 rates (percent per $100 of equalized assessed value) for the districts serving most Lake Bluff homes: Village of Lake Bluff (0.718887, which includes the Garbage Disposal fund), its fire protection special service area (0.043346), Lake Bluff SD 65, Lake Forest HSD 115, Lake Bluff Park District, Lake County, Forest Preserve, College of Lake County and Shields Township (which includes road and bridge). Lake Bluff's library is funded within the Village levy.
The starting value is one third of the Census-based $776,700 median property value ($258,900); the $8,000 homeowner exemption is applied on top.
Garbage is paid through the Village levy, so there is no separate trash charge; it is counted once, in the tax rate.
Water $8.80 per 1,000 gallons (effective 5/1/26) plus the $10.00 per quarter account service charge ($3.33 a month); sewer $1.10 per 1,000 gallons of water use. The stormwater fee is $195 a year ($16.25 a month) for a typical homeowner.
Electricity is ComEd (delivery, supply price to compare Oct 2026 to May 2027, riders, Lake Bluff municipal tax addition 0.570 cents per kWh); gas is North Shore Gas Service Classification 1 plus the 5.15% Lake Bluff municipal utility tax. Lake Bluff has a municipal electrical aggregation program; the ComEd default rate is shown.
Nothing here is legal, tax or insurance advice.

Sources

Common questions about Lake Bluff house costs

What is the property tax rate in Lake Bluff?

About 6.41% of the value before exemptions a year (2025 tax year (payable 2026), Lake County), plus flat charges on the same bill.

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

About $31,520 a year on $500,000 of the value before exemptions with the general homestead exemption.

How much is the water bill in Lake Bluff?

About $86 a month for water and sewer at typical use (7,000 gallons a month) on Village of Lake Bluff.

How much does trash pickup cost in Lake Bluff?

The Village property tax levy includes a Garbage Disposal fund

Can seniors lower their property tax or bills in Lake Bluff?

Yes. Seniors 65+: senior homestead exemption: Lowers the equalized assessed value of the property by $8,000 and may be claimed in addition to the General Homestead Exemption.

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

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