Lake Zurich, IL · Updated Oct 2026

What a Lake Zurich 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 Zurich house

$15,021a year · $1,252 a month

Starts at $145,100 of value before exemptions. Typical use.

Property tax$10,103
7.369% of $145,100, less $8,000 general homestead exemption
Electricity and gas$2,308
583 kWh a month $1,458 · 74.87 therms $850
Water$2,247
7,000 gallons a month on Village of Lake Zurich: water $187 a month
Trash$364
Unlimited Household Service (95-gallon refuse and 95-gallon recycling toters, weekly yard and food waste, two bulk item pickups), $30 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Lake Zurich house costs about $15,000 a year: $10,100 property tax and charges, $2,250 water, $360 trash, $2,310 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:

Switch to the limited household service (65-gallon refuse toter, 95-gallon or smaller recycling toter, no bulk item pickup) cartUp to $15 a year
Your cart costs $30 a month; the smallest costs $29. Worth it if you rarely fill it.
How: Call your garbage hauler.
Owner-occupied: general homestead exemption
Lowers the equalized assessed value of the property by $8,000.
How: Apply through the Chief County Assessment Office's Smartfile E-Filing Portal.
Seniors 65+: lower garbage fee
LRS lists Unlimited Senior Household Service (65 +) at $27.29 a month and Limited Senior Household Service at $26.14.
How: LRS staff can be reached at 847.381.9300.

Adjust to match your bills

What you knowTrash cartFees as of September 1, 2026; prices are for one refuse cart and one recycling cart.

Value before exemptionsYour tax code may differ by school district, library or township.

I live here and have the General homestead exemption

Home insurance, a yearFrom your policy's declarations page.

Your use

Water, thousands of gallons a month

On your water bill. A typical house uses 5,000–8,000 gallons.

Electricity, kWh a month

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

Gas, therms a month (yearly average)

Money dates

QuarterlyLRS mails garbage invoices quarterly, in December, March and June, for the three months of service listed on its page.

Who serves this house

Water: Village of Lake Zurich; Combined water and sewer rate per 1,000 gallons within village limits, effective 1/1/26.
Property tax: 7.37% of value; 2025 tax year (payable 2026), Lake County, Village of Lake Zurich predominant rate 7.368972 per $100
Garbage: Lakeshore Recycling Systems; The Village of Lake Zurich contracts with Lakeshore Recycling Systems (LRS) for weekly refuse, recycling, and yard waste collection.
Electricity: ComEd; Lake Zurich is on ComEd's franchise tax schedule.
Gas: Nicor Gas; Nicor Gas service area includes Lake Zurich.

Pay or manage your bills

Your water

Source: The Village uses groundwater provided by five wells drilled into the St. Peter, Galesville Sandstone portion of the Cambrian-Ordovician Aquifer.
Treatment: Wells 7, 8, 9, 10 and 12 each have Ion Exchange treatment to reduce combined radium levels below EPA limits.

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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 Village of Lake Zurich predominant tax code M26LZU (7,263 parcels, 7.368972): village, Lake Zurich CUSD 95, Ela Area Public Library, Lake County, Forest Preserve, College of Lake County and Ela Township (rate includes its Road and Bridge). These sum to 7.368972. Parts of Lake Zurich in Cuba Township, or with special service area charges, pay different rates.
The starting value is one third of the Census-based $435,300 median property value ($145,100), minus the $8,000 homeowner exemption.
Water and sewer: the village publishes one combined rate of $27.81 per 1,000 gallons within village limits effective 1/1/26, shown as water; sewer is therefore $0 separately. The village's minimum bill (based on 2,000 gallons, $55.62) is not applied.
Garbage uses LRS's Unlimited Household Service rate ($30.32 a month, fees as of September 1, 2026), billed quarterly by LRS.
Electricity is ComEd delivery rates plus the October 2026-May 2027 price to compare, with the Lake Zurich franchise tax and state tax; gas is Nicor Rate 1 plus Riders 1, 3, 5, 12, 26, 30, 38 and 42 (Rider 28 is bill credits, Rider 36 is 0) and the October 2026 supply cost and the Lake Zurich 5.15% municipal tax. Homeowners insurance is not included (no official premium survey found).
Nothing here is legal, tax or insurance advice.

Sources

How Lake Zurich compares

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

Per year	Lake Zurich	Median	Where it falls
Property tax rate	7.37%	8.23%	lower than 98 of the other 131 Illinois cities we cover
Water	$2,247	$872	higher than 131 of the other 131 Illinois cities we cover
Trash	$364	$283	higher than 109 of the other 127 Illinois cities we cover
Electricity and gas	$2,308	$2,163	higher than 117 of the other 131 Illinois cities we cover
Total	$15,021	$11,701	higher than 113 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. Water

The fact: Water here costs about $2,247 a year at typical use, higher than 131 of the other 131 Illinois cities we cover.

Ask: "Water here costs about $2,247 a year at typical use, higher than 131 of the other 131 Illinois cities we cover. What drives that cost, and would you change anything?"

2. Trash

The fact: Trash pickup here costs about $364 a year for the standard cart, higher than 109 of the other 127 Illinois cities we cover. Where trash is billed through the tax bill or a separate hauler, it is not counted here.

Ask: "Trash pickup here costs about $364 a year for the standard cart, higher than 109 of the other 127 Illinois cities we cover. What drives that cost, and would you change anything about the service or the price?"

3. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,308 a year, higher than 117 of the other 131 Illinois cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,308 a year for a typical house, higher than 117 of the other 131 Illinois cities we cover. Which parts of that can the city influence, and what would you do about them?"

Common questions about Lake Zurich house costs

What is the property tax rate in Lake Zurich?

About 7.37% of the value before exemptions a year (2025 tax year (payable 2026), Lake County, Village of Lake Zurich predominant rate 7.368972 per $100), plus flat charges on the same bill.

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

About $36,255 a year on $500,000 of the value before exemptions with the general homestead exemption.

How much is the water bill in Lake Zurich?

About $187 a month for water at typical use (7,000 gallons a month) on Village of Lake Zurich.

How much does trash pickup cost in Lake Zurich?

$29 to $30 a month, depending on the trash cart size (Unlimited Household Service (95-gallon refuse and 95-gallon recycling toters, weekly yard and food waste, two bulk item pickups), Limited Household Service (65-gallon refuse toter, 95-gallon or smaller recycling toter, no bulk item pickup)).

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

Yes. Switch to the limited household service (65-gallon refuse toter, 95-gallon or smaller recycling toter, no bulk item pickup) cart (up to $15 a year): Your cart costs $30 a month; the smallest costs $29. Worth it if you rarely fill it.

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

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