Mattoon, IL · Updated Oct 2026

What a Mattoon 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 Mattoon house

$5,899a year · $492 a month

Starts at $32,567 of value before exemptions. Typical use.

Property tax$2,098
7.896% of $32,567, less $6,000 general homestead exemption
Electricity and gas$2,360
853.4 kWh a month $1,732 · 31 therms $628
Water and sewer$1,441
9 units (CCF) a month on City of Mattoon: water $47, sewer $73 a month
Trash$0
UNPUBLISHED - no official rate, $0 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Mattoon house costs about $5,900 a year: $2,100 property tax and charges, $1,440 water and sewer, $0 trash, $2,360 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+: senior homestead exemption
The reduction in equalized assessed value is $5,000 in counties other than Cook County and counties contiguous to Cook County.
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.

Who serves this house

Water: City of Mattoon; 2026 residential 5/8 inch inside-city rates.
Property tax: 7.90% of value; 2025 tax year (payable 2026), Mattoon Township (tax code 07002)
Electricity: Ameren Illinois; Residents have been receiving Ameren's standard electric supply rate since January 1, 2026.

Pay or manage your bills

Pay your water bill ↗

Your water

Source: The 2024 Consumer Confidence Report lists Paradise Lake and Lake Mattoon as source water intakes.

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How these numbers are made

Property tax: Mattoon Township, Mattoon CUSD 2, City of Mattoon (tax code 07002 on the 2024 rate sheet), 2025 rates: county, school, college, city and airport from Coles County's 2025 rate report; township, road district and park district from the county's 2025 tax computation reports. About 7.9 per $100 of EAV. Parts of the city in Lafayette Township (code 06003) pay about 8.02 and no park district.
Starting value is an estimate of equalized assessed value: one third of the Census median ($97,700 / 3), because Illinois assesses at 33 1/3 percent; the $6,000 general homestead exemption comes off it.
Water: 2026 residential 5/8 inch inside-city monthly base charge $2.65 plus $4.90 per 100 cubic feet for the first 2,000 cubic feet and $3.95 above. Sewer: $2.25 per bill plus $7.90 per 100 cubic feet of water used.
Electric and gas: Ameren Illinois, the same rate components as the Charleston page. Coles County's group electric aggregation has no contract, so supply is Ameren's price to compare.
NOT INCLUDED: garbage (independent disposal companies; the city lists no rate), insurance.
Nothing here is legal, tax or insurance advice.

Sources

How Mattoon compares

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

Per year	Mattoon	Median	Where it falls
Property tax rate	7.90%	8.23%	lower than 75 of the other 131 Illinois cities we cover
Water	$561	$872	lower than 115 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$880	$535	higher than 100 of the other 123 Illinois cities we cover
Trash	$0	$283	lower than 123 of the other 127 Illinois cities we cover
Electricity and gas	$2,360	$2,163	higher than 121 of the other 131 Illinois cities we cover
Total	$5,899	$11,701	lower than 131 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 $561 a year at typical use, lower than 115 of the other 131 Illinois cities we cover.

Ask: "Water here costs about $561 a year at typical use, lower than 115 of the other 131 Illinois cities we cover. What drives that cost, and would you change anything?"

2. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $880 a year, higher than 100 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 $880 a year, higher than 100 of the other 123 Illinois cities we cover. What drives that cost, and would you change anything?"

3. Trash

The fact: Trash pickup here costs about $0 a year for the standard cart, lower than 123 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 $0 a year for the standard cart, lower than 123 of the other 127 Illinois cities we cover. What drives that cost, and would you change anything about the service or the price?"

4. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,360 a year, higher than 121 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 $2,360 a year for a typical house, higher than 121 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 Mattoon house costs

What is the property tax rate in Mattoon?

About 7.90% of the value before exemptions a year (2025 tax year (payable 2026), Mattoon Township (tax code 07002)), plus flat charges on the same bill.

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

About $39,008 a year on $500,000 of the value before exemptions with the general homestead exemption.

How much is the water bill in Mattoon?

About $120 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on City of Mattoon.

How much does trash pickup cost in Mattoon?

$0 a month for a house.

Can seniors lower their property tax or bills in Mattoon?

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

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

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