Naperville, IL · Updated Oct 2026

What a Naperville 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 Naperville house

$13,532a year · $1,128 a month

Starts at $180,067 of value before exemptions. Typical use.

Property tax$10,042
5.836% of $180,067, less $8,000 general homestead exemption
Electricity and gas$1,940
844 kWh a month $1,470 · 31 therms $469
Water and sewer$1,362
7.5 units (CCF) a month on City of Naperville Water Utility: water $69, sewer $45 a month
Trash$188
Flat monthly garbage and recycling fee, $16 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Naperville house costs about $13,500 a year: $10,040 property tax and charges, $1,360 water and sewer, $190 trash, $1,940 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 Senior Homestead Exemption provides a maximum $8,000 reduction from the equalized assessed valuation.
How: Apply with the DuPage Supervisor of Assessments.
General homestead exemption
The general homestead exemption maximum deduction is $8,000 in assessed value.
How: Contact the DuPage Supervisor of Assessments with questions.

Who serves this house

Water: City of Naperville Water Utility; City of Naperville Water Utility
Property tax: 5.84% of value; 2025 tax year (payable 2026), DuPage County, tax code 8043
Garbage: City of Naperville; Garbage and recycling service is included on residential utility bills.
Electricity: City of Naperville Electric Utility; Inside city limits the City provides electric service.
Gas: Nicor Gas; Naperville is listed in the Nicor Gas service area.

Pay or manage your bills

Your water

Supplier: The wholesale water rate on customer bills is a direct pass-through of the water rate charged by the DuPage Water Commission (DWC), the City of Naperville's water supplier.

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How these numbers are made

Property tax uses DuPage County's 2025 final rates for tax code 8043 (City of Naperville in Lisle Township with Unit School District 203, the code with the most parcels among Naperville's tax codes; total 5.8361 per $100 of equalized assessed value). Homes in District 204 (code 7030, 5.8963) and Naperville Township (code 7025, 5.8307) pay similar totals. Special Service Area charges apply only in some neighborhoods and are not included.
The starting value is one third of the Census median market value ($540,200 / 3), because Illinois taxes equalized assessed value (about one third of market value). The $8,000 general homestead exemption comes off that value.
Water 2026: $11.69 customer charge plus $1.38 capital charge a month, and $7.46 per HCF (retail delivery $3.06 plus DuPage Water Commission wholesale $4.40, effective May 1, 2026). Wastewater 2026: $13.37 customer charge plus $2.48 phosphorus surcharge, and $3.82 per HCF. Typical use is the City's 750 cubic feet a month.
Electricity is the City's 2026 residential rate ($21.52 and $0.11968 per kWh). The monthly Purchased Power Adjustment changes every month and is not included. Gas is Nicor Gas Rate 1: $21.30 a month plus 24.44 cents distribution and the October 2026 gas supply cost of 33 cents per therm; Nicor riders and any gas use tax are not included, and gas supply cost changes monthly.
Garbage is the City's flat 2026 fee of $15.70 a month for garbage and recycling. Not included: homeowners insurance (no official premium survey was found), special service areas, and ComEd-served homes in unincorporated areas.
Not included: the City's municipal electric and water taxes and the State tax addition (220 ILCS 5/9-222) that appear as separate lines on Naperville utility bills; their rates could not be confirmed from an official source on 2026-10-30 (city site pages returned 404, Municode is behind Cloudflare, paid fetch cap reached).
Nothing here is legal, tax or insurance advice.

Sources

How Naperville compares

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

Per year	Naperville	Median	Where it falls
Property tax rate	5.84%	8.23%	lower than 125 of the other 131 Illinois cities we cover
Water	$828	$872	lower than 71 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$534	$535	lower than 62 of the other 123 Illinois cities we cover
Trash	$188	$283	lower than 110 of the other 127 Illinois cities we cover
Electricity and gas	$1,940	$2,163	lower than 91 of the other 131 Illinois cities we cover
Total	$13,532	$11,701	higher than 98 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: Naperville's property tax rate is 5.84%, lower than 125 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 Naperville is 5.84%, lower than 125 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. Trash

The fact: Trash pickup here costs about $188 a year for the standard cart, lower than 110 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 $188 a year for the standard cart, lower than 110 of the other 127 Illinois cities we cover. What drives that cost, and would you change anything about the service or the price?"

Common questions about Naperville house costs

What is the property tax rate in Naperville?

About 5.84% of the value before exemptions a year (2025 tax year (payable 2026), DuPage County, tax code 8043), plus flat charges on the same bill.

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

About $28,714 a year on $500,000 of the value before exemptions with the general homestead exemption.

How much is the water bill in Naperville?

About $114 a month for water and sewer at typical use (7.5 units, or 5,610 gallons a month) on City of Naperville Water Utility.

How much does trash pickup cost in Naperville?

$16 a month for a house.

Can seniors lower their property tax or bills in Naperville?

Yes. Seniors 65+: senior homestead exemption: The Senior Homestead Exemption provides a maximum $8,000 reduction from the equalized assessed valuation.

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

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