Moline, IL · Updated Oct 2026

What a Moline 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 Moline house

$6,784a year · $565 a month

Starts at $48,767 of value before exemptions. Typical use.

Property tax$3,732
8.727% of $48,767, less $6,000 owner occupied exemption, lowers the equalized assessed value by up to
Electricity and gas$1,423
693 kWh a month $716 · 74.87 therms $707
Water and sewer$1,444
7,000 gallons a month on City of Moline Water Division: water $49, sewer $68, stormwater (residential under 1/4 acre) $3 a month
Trash$186
Solid waste and recycle, monthly charge, $15 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Moline house costs about $6,800 a year: $3,730 property tax and charges, $1,440 water and sewer, $190 trash, $1,420 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+: low-income assessment freeze
At least one owner must be 65 or older by December 31, 2026 and household income not greater than $75,000 in 2025.
How: The 2026 application deadline is July 1, 2026.
Disabled persons exemption
Under this program, $2,000 of the equalized assessed value of a home owned by a qualifying disabled person is exempt from property taxes.
How: See the Rock Island County property tax relief page.
Stormwater discount
Properties with stormwater retention features may submit calculations from a professional engineer that document the percentage of water retained.
How: The City reviews the calculations and adjusts the fee as appropriate.

Who serves this house

Water: City of Moline Water Division; Rates for a 5/8-inch meter customer, effective January 1, 2026.
Property tax: 8.73% of value; 2025 tax year (payable 2026), Moline Township tax code 01
Garbage: City of Moline; Solid waste and recycle is a monthly charge on the 2026 rate schedule.
Sewer: City of Moline Water Pollution Control Division; Moline provides sanitary sewer service to the homes and businesses of Moline.
Gas: MidAmerican Energy; Moline is in MidAmerican Energy's Illinois gas service area.

Pay or manage your bills

Your water

Source: The Water Division uses the Mississippi River as its source.

Other IL cities

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How these numbers are made

Property tax uses Moline Township tax code 01 (City of Moline, Moline-Coal Valley schools) for tax year 2025 payable 2026: total 8.7272 per $100 of equalized assessed value. Other tax codes inside the city differ.
The starting value is one third of the Census median market value ($146,300 / 3) because Illinois taxes equalized assessed value at 33.33% of market value. The $6,000 owner occupied exemption comes off that value; the supply and delivery charges per kWh are combined and weighted over the year.
Water: $2.28 metering and billing plus $11.07 water readiness to serve a month, and $5.34 per 1,000 gallons. Sewer: $13.12 readiness plus $8.09 per 1,000 gallons. Garbage and recycling: $15.46 a month. Stormwater: $3.42 a month for residential lots under 1/4 acre; larger lots pay $6.59 to $13.53.
Electricity uses MidAmerican Rate RS: $7.25 basic plus $1.72 meter charge, plus the $0.40 energy assistance, $0.05 coal and renewable and $0.17 uncollectible monthly charges, and supply plus delivery weighted over 4 summer and 8 winter months for use under 1,000 kWh. Per-kWh riders added: energy efficiency, fuel, purchased electricity (June to September and the other months weighted), renewable and zero emission power, the state utility tax and the Moline franchise fee. The transmission rider, nuclear decommissioning and tax expense revision factors were not found in effective form and are not included. Gas is Rate RV1 plus the October 2026 supply charge, grossed up for the Moline 3.0% franchise fee, the 5.15% municipal utility tax, the 0.10% state tax and 2.4 cents per therm gas revenue tax; the gas energy efficiency and uncollectible riders are not included. Gas use is the Illinois residential average per customer from EIA.
Not included: homeowners insurance (no official premium survey was found).
Nothing here is legal, tax or insurance advice.

Sources

How Moline compares

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

Per year	Moline	Median	Where it falls
Property tax rate	8.73%	8.23%	higher than 84 of the other 131 Illinois cities we cover
Water	$592	$872	lower than 111 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$852	$535	higher than 97 of the other 123 Illinois cities we cover
Trash	$186	$283	lower than 111 of the other 127 Illinois cities we cover
Electricity and gas	$1,423	$2,163	lower than 129 of the other 131 Illinois cities we cover
Total	$6,784	$11,701	lower than 127 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 $592 a year at typical use, lower than 111 of the other 131 Illinois cities we cover.

Ask: "Water here costs about $592 a year at typical use, lower than 111 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 $852 a year, higher than 97 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 $852 a year, higher than 97 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 $186 a year for the standard cart, lower than 111 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 $186 a year for the standard cart, lower than 111 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 $1,423 a year, lower than 129 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 $1,423 a year for a typical house, lower than 129 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 Moline house costs

What is the property tax rate in Moline?

About 8.73% of the value before exemptions a year (2025 tax year (payable 2026), Moline Township tax code 01), plus flat charges on the same bill.

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

About $43,112 a year on $500,000 of the value before exemptions with the owner occupied exemption, lowers the equalized assessed value by up to.

How much is the water bill in Moline?

About $120 a month for water and sewer at typical use (7,000 gallons a month) on City of Moline Water Division.

How much does trash pickup cost in Moline?

$15 a month for a house.

Can seniors lower their property tax or bills in Moline?

Yes. Seniors 65+: low-income assessment freeze: At least one owner must be 65 or older by December 31, 2026 and household income not greater than $75,000 in 2025.

Where can I get help paying utility bills in Moline?

Seniors 65+: low-income assessment freeze: At least one owner must be 65 or older by December 31, 2026 and household income not greater than $75,000 in 2025. The 2026 application deadline is July 1, 2026.

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

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