Macomb, IL · Updated Oct 2026

What a Macomb 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 Macomb house

$9,268a year · $772 a month

Starts at $34,433 of value before exemptions. Typical use.

A typical Macomb house costs about $9,300 a year: $3,230 property tax and charges, $1,560 water and sewer, $280 trash, $2,850 electricity and gas, $1,340 home insurance. 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+: senior homestead exemption
The reduction in equalized assessed value is $8,000 in Cook County and counties contiguous to Cook County or $5,000 in all other counties.
Seniors 65+ with household income of $75,000 or less: assessment freeze
The freeze is open to people at least 65 with household income of $75,000 or less for taxable year 2026 (payable in 2027).
How: File Form PTAX-340 each year with the Chief County Assessment Office.
Extra trash: city stickers
Customers may purchase additional $1.50 garbage stickers for extra bag/can or $20.00 large item stickers for couches, mattresses, white goods etc.

Money dates

Water bills are mailed monthly and due within fifteen days; 10% late fee the day after the due dateWater bills are mailed monthly, and are due within fifteen days. A 10% late fee will be imposed on the day after the due date.

Who serves this house

Water: City of Macomb
Property tax: 11.37% of value; 2025 tax year (payable 2026), Macomb City Township, McDonough County
Garbage: City of Macomb (carts owned by Waste Management); Monthly garbage fee is included in the monthly water bill.
Electricity: Ameren Illinois; Ameren handles electric service requests in Macomb.
Gas: Ameren Illinois; Macomb is on Ameren Illinois's list of gas cities.

Your water

Source: The source of drinking water used by Macomb is Surface Water from Spring Lake and Groundwater.

Other IL cities

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How these numbers are made

Property tax: 2025 final rates from the McDonough County tax computation report for the districts that cover most Macomb homes: county (corporate + special use funds), Macomb City Township (corporate + special use), Macomb Unit School District 185, Spoon River College 534, City of Macomb (corporate + special use), Macomb Park District, Macomb Special Use Library District and Macomb Airport Authority. About 11.4 per $100 of EAV.
Starting value is an estimate of equalized assessed value: one third of the Census-style median property value ($103,300 / 3) because Illinois assesses at 33 1/3 percent; the $6,000 general homestead exemption comes off it. No assessor median was found.
Water: $6.60 per 100 cubic feet plus the $15.00 monthly water debt service charge. Sewer: $5.50 per 100 cubic feet plus the $6.00 monthly sewer debt service charge. The $5.75 water and $3.64 sewer minimum bills (up to 120 cubic feet) are lower than the flat charges and are not added. Meter maintenance fees vary by meter size and the city publishes no 5/8 inch figure, so none is included.
Garbage: the $23.50 monthly flat fee, billed on the water bill. Electric and gas: Ameren Illinois, same rate components as the Mattoon page; Macomb has no municipal electric aggregation program on the state list.
NOT INCLUDED: meter maintenance fee, any McDonough Power Cooperative service on the city edge.
Insurance: the figure is the 2022 statewide III/NAIC average ($1,343), the newest on the III page. NAIC published a 2023-data report in 2026; secondary sites quote its Illinois HO-3 average as $1,480, but the NAIC PDF table could not be read here, so it is not used.
Nothing here is legal, tax or insurance advice.

Sources

How Macomb compares

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

Per year	Macomb	Median	Where it falls
Property tax rate	11.37%	8.23%	higher than 124 of the other 131 Illinois cities we cover
Water	$893	$872	higher than 68 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$666	$535	higher than 77 of the other 123 Illinois cities we cover
Trash	$282	$283	lower than 64 of the other 127 Illinois cities we cover
Electricity and gas	$2,852	$2,163	higher than 128 of the other 131 Illinois cities we cover
Home insurance	$1,343	$1,343	in the middle of 8 other Illinois cities we cover
Total	$9,268	$11,701	lower than 108 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. Property tax rate

The fact: Macomb's property tax rate is 11.37%, higher than 124 of the other 131 Illinois cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Macomb is 11.37%, higher than 124 of the other 131 Illinois cities we cover. What should that money pay for first, and would you change anything about how it is set?"

2. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,852 a year, higher than 128 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 $2,852 a year for a typical house, higher than 128 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 Macomb house costs

What is the property tax rate in Macomb?

About 11.37% of the value before exemptions a year (2025 tax year (payable 2026), Macomb City Township, McDonough County), plus flat charges on the same bill.

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

About $56,156 a year on $500,000 of the value before exemptions with the general homestead exemption.

How much is the water bill in Macomb?

About $130 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on City of Macomb.

How much does trash pickup cost in Macomb?

$24 a month for a house.

Can seniors lower their property tax or bills in Macomb?

Yes. Seniors 65+: senior homestead exemption: The reduction in equalized assessed value is $8,000 in Cook County and counties contiguous to Cook County or $5,000 in all other counties.

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

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