Mt. Vernon, IL · Updated Oct 2026

What a Mt. Vernon 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 Mt. Vernon house

$8,442a year · $703 a month

Starts at $33,267 of value before exemptions. Typical use.

A typical Mt. Vernon house costs about $8,400 a year: $2,210 property tax and charges, $1,660 water and sewer, $280 trash, $2,950 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
Reduces the EAV by $5,000 for homeowners age 65 or older living in their own home, in addition to meeting the general homestead requirements.
How: Sign up during the year you turn 65.
Seniors 65+ with household income of $65,000 or less: assessment freeze
Freezes the assessed value of the home at a base value; for the 2025 application household income must be $65,000 or less. It does not freeze taxes.
How: An application arrives each year with the standard Senior Citizen Homestead Exemption.

Money dates

16 days after the bill dateWater, sewer, garbage and recycling bills are due

Who serves this house

Water: City of Mt. Vernon Water; Inside city limits; the first 2,000 gallons are a $16.33 flat rate.
Property tax: 8.11% of value; 2025 tax year (payable 2026), Jefferson County
Garbage: Republic Services; The City contracts trash, yard waste, bulk pick-up and recycling with Republic Services.
Sewer: City of Mt. Vernon; Water and sewer are billed monthly.
Electricity: Ameren Illinois / Homefield Energy; The City's chosen electric supplier is Homefield Energy.
Gas: Ameren Illinois; Ameren Illinois is listed under Electric/Natural Gas providers.

Pay or manage your bills

Your water

Source: Purchased surface water from the Rend Lake Inter-City Water System (IL0555100).
Lead: Lead range in 2025 samples: non-detect to 24.7 ug/L.

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How these numbers are made

Property tax uses Jefferson County's 2025 rates (payable 2026) for tax code 56155 (Mt. Vernon city, Mt. Vernon City Elementary District 80, Mt. Vernon High School District 201, Mount Vernon Township): ten bodies, 8.10938 per $100 of EAV. Other codes inside the city carry other elementary districts or townships.
Starting value is one third of the $99,800 median property value (treated as market value, as on the Edwardsville page); the $6,000 general homestead exemption comes off it.
Water uses the City's inside-city monthly tiers ($16.33 for the first 2,000 gallons, then $11.01, $9.82, $9.12 ... per 1,000 gallons). Sewer: $11.23 for the first 1,000 gallons, then $10.80 per 1,000 gallons (the 2,000-6,000 gallon tier) applied to all use above 1,000 gallons, which approximates the City's tiers.
Trash is $23.00 a month from the City code (effective May 1, 2023, the latest figure published); electric is Homefield's 11.378 cents plus Ameren delivery and riders as on the Carbondale page; gas is Ameren GDS-1 plus supply; typical use is the EIA Illinois/Ameren average.
NOT INCLUDED: home insurance beyond the state average, other tax codes and special districts some addresses carry.
Nothing here is legal, tax or insurance advice.

Sources

How Mt. Vernon compares

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

Per year	Mt. Vernon	Median	Where it falls
Property tax rate	8.11%	8.23%	lower than 67 of the other 131 Illinois cities we cover
Water	$782	$872	lower than 79 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$878	$535	higher than 99 of the other 123 Illinois cities we cover
Trash	$276	$283	lower than 70 of the other 127 Illinois cities we cover
Electricity and gas	$2,952	$2,163	higher than 129 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	$8,442	$11,701	lower than 114 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. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $878 a year, higher than 99 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 $878 a year, higher than 99 of the other 123 Illinois cities we cover. What drives that cost, and would you change anything?"

2. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,952 a year, higher 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 $2,952 a year for a typical house, higher 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 Mt. Vernon house costs

What is the property tax rate in Mt. Vernon?

About 8.11% of the value before exemptions a year (2025 tax year (payable 2026), Jefferson County), plus flat charges on the same bill.

How much is property tax on a $500,000 house in Mt. Vernon?

About $40,060 a year on $500,000 of the value before exemptions with the general homestead exemption.

How much is the water bill in Mt. Vernon?

About $138 a month for water and sewer at typical use (7,000 gallons a month) on City of Mt. Vernon Water.

How much does trash pickup cost in Mt. Vernon?

$23 a month for a house.

Can seniors lower their property tax or bills in Mt. Vernon?

Yes. Seniors 65+: senior homestead exemption: Reduces the EAV by $5,000 for homeowners age 65 or older living in their own home, in addition to meeting the general homestead requirements.

How much does a house in Mt. Vernon cost to run each year?

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