Oak Lawn, IL · Updated Oct 2026

What a Oak Lawn 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 Oak Lawn house

$10,069a year · $839 a month

Starts at $70,599 of value before exemptions. Typical use.

Property tax$6,526
10.769% of $70,599, less $10,000 homeowner exemption
Electricity and gas$2,239
583 kWh a month $1,429 · 74.87 therms $810
Water and sewer$1,028
7,000 gallons a month on Village of Oak Lawn water: water $68, sewer $17 a month
Trash$276
Village refuse service (blue tote), per household, $23 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Oak Lawn house costs about $10,100 a year: $6,530 property tax and charges, $1,030 water and sewer, $280 trash, $2,240 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+ or people with a disability: refuse discount
Residents with a disability or aged 65 and older are eligible for a discount on refuse services.
How: Apply in person at Village Hall or with the Village's application form.
Homeowner Exemption
The Homeowner Exemption reduces the Equalized Assessed Value (EAV) of a property by $10,000.
How: See the Cook County Assessor's Homeowner Exemption page.
Seniors over 65 with income up to $65,000: Senior Freeze
Senior homeowners over 65 with a total household annual income of $65,000 or less in the 2024 calendar year may be eligible for the Senior Freeze exemption.
How: Apply with the Cook County Assessor.

Money dates

On or about March 1 each yearin 117 daysThe first installment of Cook County property taxes is due and is 55% of the previous year's total amount.
Generally August 1The second installment is generally due August 1st or at a later date, as set by Cook County.

Who serves this house

Water: Village of Oak Lawn water; Residential rates as of June 1, 2026: $8.70 per 1,000 gallons for the first 9,000 gallons, $9.05 to 30,000, $9.40 above; billed quarterly.
Property tax: 10.77% of value; 2025 tax year, Cook County tax code 39021
Garbage: Flood Brothers Disposal; The Village's waste hauler is Flood Brothers Disposal.
Electricity: ComEd; ComEd will be conducting routine tree trimming in designated areas throughout the Village of Oak Lawn.
Gas: Nicor Gas; Nicor Gas is conducting natural gas system modernization work in Oak Lawn neighborhoods.

Pay or manage your bills

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How these numbers are made

Property tax uses Cook County's 2025 agency rates for tax code 39021 (Village of Oak Lawn, Oak Lawn-Hometown School District 123, Community High School District 229, Oak Lawn Park District; total 10.769195 per $100 of equalized assessed value), one of several codes with that same total. Worth Township, road and bridge, elections, Forest Preserve and mosquito abatement are grouped as other districts.
The starting value is the Assessor's 2023 median market value for Worth Township single-family homes ($233K) times 10% times the 2025 Cook County equalization factor 3.0300, the basis of current bills; the $10,000 Homeowner Exemption comes off it. Worth's 2026 reassessment ($279k) applies to 2027 bills.
Water, sewer and refuse are billed quarterly and shown here per month (divided by 3). Water is $8.70, $9.05 and $9.40 per 1,000 gallons by tier (breakpoints 9,000 and 30,000 gallons a quarter, i.e. 3 and 10 a month). The Village's water use and consumption tax ($7.70 a quarter for the first 9,000 gallons, then $1.55 per 1,000 gallons) is folded into the water fixed charge and the upper tiers. The quarterly minimum charge of $78.30 covers the first 9,000 gallons.
Sewer is $34.14 a quarter plus $0.90 per 1,000 gallons (Sewer Rehab). Refuse is $69.00 a quarter.
Electricity: ComEd delivery charges plus the October 2026 price to compare plus Oak Lawn's 0.537 cents per kWh electric utility tax on the first 2,000 kWh. Gas: Nicor Rate 1 plus October 2026 supply cost, raised by Oak Lawn's 5% gas utility tax on the whole gas charge (customer charge included). State surcharges and the gas use tax are not on the Nicor Rate 1 sheet.
Not included: homeowners insurance and special service area taxes that apply only in some tax codes (Oak Lawn has tax codes with Special Service Area #1 and #2001-1).
Nothing here is legal, tax or insurance advice.

Sources

How Oak Lawn compares

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

Per year	Oak Lawn	Median	Where it falls
Property tax rate	10.77%	8.23%	higher than 120 of the other 131 Illinois cities we cover
Water	$819	$872	lower than 72 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$209	$535	lower than 102 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	$2,239	$2,163	higher than 79 of the other 131 Illinois cities we cover
Total	$10,069	$11,701	lower than 95 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: Oak Lawn's property tax rate is 10.77%, higher than 120 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 Oak Lawn is 10.77%, higher than 120 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. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $209 a year, lower than 102 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 $209 a year, lower than 102 of the other 123 Illinois cities we cover. What drives that cost, and would you change anything?"

Common questions about Oak Lawn house costs

What is the property tax rate in Oak Lawn?

About 10.77% of the value before exemptions a year (2025 tax year, Cook County tax code 39021), plus flat charges on the same bill.

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

About $52,769 a year on $500,000 of the value before exemptions with the homeowner exemption.

How much is the water bill in Oak Lawn?

About $86 a month for water and sewer at typical use (7,000 gallons a month) on Village of Oak Lawn water.

How much does trash pickup cost in Oak Lawn?

$23 a month for a house.

When is property tax due in Oak Lawn?

On or about March 1 each year: The first installment of Cook County property taxes is due and is 55% of the previous year's total amount. Generally August 1: The second installment is generally due August 1st or at a later date, as set by Cook County.

Can seniors lower their property tax or bills in Oak Lawn?

Yes. Seniors 65+ or people with a disability: refuse discount: Residents with a disability or aged 65 and older are eligible for a discount on refuse services.

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

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