Normal, IL · Updated Oct 2026

What a Normal 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 Normal house

$8,564a year · $714 a month

Starts at $71,200 of value before exemptions. Typical use.

Property tax$5,081
7.792% of $71,200, less $6,000 general homestead exemption
Electricity$1,697
853.4 kWh a month $1,697
Water and sewer$1,403
7,000 gallons a month on Town of Normal Water: water $55, sewer $57, storm water (one eru) $5 a month
Trash$384
Curbside service, $32 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Normal house costs about $8,600 a year: $5,080 property tax and charges, $1,400 water and sewer, $380 trash, $1,700 electricity; 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 Citizens Homestead Exemption is a $5,000 reduction in the equalized assessed value.
How: File Form PTAX-324 with the McLean County assessor.
Seniors with income under $75,000: assessment freeze
Allows senior citizens with a total household income of less than $75,000 to hold the EAV of their homes at the base year.
How: Each year, file Form PTAX-340 with the Chief County Assessment Officer.

Who serves this house

Water: Town of Normal Water; Rates effective 5/1/2026.
Property tax: 7.79% of value; 2025 tax year (payable 2026), McLean County
Garbage: Town of Normal; Billed monthly on the Town utility bill.
Sewer: Town of Normal and BNWRD; Sewer and BNWRD charges both appear on the Town utility bill.

Pay or manage your bills

Pay your water/utility bill ↗

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How these numbers are made

Property tax uses McLean County's final 2025 rates (payable 2026) for Normal Township, Town of Normal, Unit 5 homes: sum of nine bodies, about 7.79 per $100 EAV. The Airport Authority part is the 2024 rate on the Town's tax page; the 2025 rate was not found.
Starting value is one third of the Census median ($213,600 / 3); the $6,000 general homestead exemption comes off it.
Water: $6.61 monthly plus $7.25 per 1,000 gallons. Sewer: Town $4.52 + $3.25/kgal; BNWRD $13.19 includes 2,000 gallons then $3.66/kgal. Fixed sewer = 4.52 + 13.19 - 2*3.66; per kgal = 3.25+3.66. Storm water $4.60 per ERU.
Electric: Ameren price to compare (Oct 2026 - May 2027 non-summer) + DS-1 delivery (CUB 2026 report) + EDT; first 800 kWh then over 800 kWh tiers; summer rates are higher and not included. Fixed = customer 8.55 + meter 5.96.
NOT INCLUDED: Town electricity (per kWh) and gas (per therm) utility taxes, insurance. Normal's electric aggregation (Direct Energy, fixed 12.76 cents/kWh supply, June 2026-August 2027 meter reads, opt-out) replaces only the supply part of the bill; this page prices supply at Ameren's price to compare, the standard utility option. Typical kWh = 5,330,247 MWh / 520,498 customers / 12 months (EIA 2024, Ameren Illinois residential).
Nothing here is legal, tax or insurance advice.

Sources

How Normal compares

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

Per year	Normal	Median	Where it falls
Property tax rate	7.79%	8.23%	lower than 78 of the other 131 Illinois cities we cover
Water	$665	$872	lower than 104 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$738	$535	higher than 85 of the other 123 Illinois cities we cover
Trash	$384	$283	higher than 119 of the other 127 Illinois cities we cover
Electricity and gas	$1,697	$2,163	lower than 126 of the other 131 Illinois cities we cover
Total	$8,564	$11,701	lower than 113 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 $665 a year at typical use, lower than 104 of the other 131 Illinois cities we cover.

Ask: "Water here costs about $665 a year at typical use, lower than 104 of the other 131 Illinois cities we cover. What drives that cost, and would you change anything?"

2. Trash

The fact: Trash pickup here costs about $384 a year for the standard cart, higher than 119 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 $384 a year for the standard cart, higher than 119 of the other 127 Illinois cities we cover. What drives that cost, and would you change anything about the service or the price?"

3. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $1,697 a year, lower than 126 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 $1,697 a year for a typical house, lower than 126 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 Normal house costs

What is the property tax rate in Normal?

About 7.79% of the value before exemptions a year (2025 tax year (payable 2026), McLean County), plus flat charges on the same bill.

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

About $38,494 a year on $500,000 of the value before exemptions with the general homestead exemption.

How much is the water bill in Normal?

About $117 a month for water and sewer at typical use (7,000 gallons a month) on Town of Normal Water.

How much does trash pickup cost in Normal?

$32 a month for a house.

Can seniors lower their property tax or bills in Normal?

Yes. Seniors 65+: senior homestead exemption: The Senior Citizens Homestead Exemption is a $5,000 reduction in the equalized assessed value.

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

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