Oak Park, IL · Updated Oct 2026

What a Oak Park 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 Park house

$22,613a year · $1,884 a month

Starts at $169,377 of value before exemptions. Typical use.

Property tax$18,585
11.661% of $169,377, less $10,000 homeowner exemption
Electricity and gas$2,270
583 kWh a month $1,458 · 74.87 therms $811
Water and sewer$1,385
7,000 gallons a month on Village of Oak Park: water $92, sewer $23 a month
Trash$374
96-gallon refuse cart, $31 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Oak Park house costs about $22,600 a year: $18,580 property tax and charges, $1,380 water and sewer, $370 trash, $2,270 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:

Switch to the 64-gallon refuse cart cartUp to $34 a year
Your cart costs $31 a month; the smallest costs $28. Worth it if you rarely fill it.
How: Call your garbage hauler.
Seniors 65+ with income up to $65,000 (2024): Senior Freeze
Senior homeowners are eligible for this exemption if they are over 65 years of age and have a total household annual income of $65,000 or less in the 2024 calendar year.
How: Apply with the Cook County Assessor's Office.

Who serves this house

Water: Village of Oak Park; Water rate per 1,000 gallons in 2026
Property tax: 11.66% of value; 2025 tax year (bills due 2026), Cook County
Garbage: Lakeshore Recycling Systems (Village of Oak Park contract); Weekly trash and recycling for homes of up to five units.
Electricity: ComEd; Oak Park has a ComEd municipal tax addition.
Gas: Nicor Gas; Oak Park is listed in the Nicor Gas service area.

Pay or manage your bills

Your water

Supplier: The majority of water and sewer fees cover the cost of purchasing Lake Michigan water from the City of Chicago, with a share also helping fund maintenance and improvements to the local water delivery systems.

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How these numbers are made

Property tax uses Cook County Clerk's 2025 total rate of 11.660987% for tax code 27001, which is the rate shared by most Oak Park Township codes (a few codes, such as 27002 and 27005, are 12.219891%). The Clerk's summary gives one total per code; the split between village, schools, park, library and others is not shown here. Special service area charges apply only to some parcels and are not included.
The starting value is $559,000 (Assessor's 2025 median market value, single-family, Oak Park Township) x 10% assessment level x 3.0300 state equalizer = $169,377 of equalized assessed value. The $10,000 Homeowner Exemption comes off that value.
Water is $11.94 per 1,000 gallons and sewer $3.42 per 1,000 gallons of water used (2026); no separate fixed meter charge was found in the Village's rate announcement. Refuse is $31.13 (96-gallon) or $28.27 (64-gallon) a month for 2026.
Electricity is ComEd's delivery charges plus the October 2026 price to compare, the Oak Park municipal tax addition of 0.628 cents per kWh for the first 2,000 kWh and the state tax addition of 0.330 cents. Gas is Nicor Rate 1 plus the October 2026 supply cost with Nicor's 5.15% Oak Park charge added to the monthly charge and per-therm part. Monthly riders that change are not included.
Not included: homeowners insurance (no official premium survey for Oak Park found), Village utility taxes on water and other bills, and special service areas.
Water fixed $12/month is the code's single per-meter customer fixed charge (1 inch or under) covering water and sewer service, entered once under water; sewer fixed 0 avoids double counting.
Nothing here is legal, tax or insurance advice.

Sources

How Oak Park compares

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

Per year	Oak Park	Median	Where it falls
Property tax rate	11.66%	8.23%	higher than 127 of the other 131 Illinois cities we cover
Water	$1,109	$872	higher than 96 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$276	$535	lower than 91 of the other 123 Illinois cities we cover
Trash	$374	$283	higher than 114 of the other 127 Illinois cities we cover
Electricity and gas	$2,270	$2,163	higher than 99 of the other 131 Illinois cities we cover
Total	$22,613	$11,701	higher 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. Property tax rate

The fact: Oak Park's property tax rate is 11.66%, higher than 127 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 Park is 11.66%, higher than 127 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 $374 a year for the standard cart, higher than 114 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 $374 a year for the standard cart, higher than 114 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 $2,270 a year, higher than 99 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 $2,270 a year for a typical house, higher than 99 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 Oak Park house costs

What is the property tax rate in Oak Park?

About 11.66% of the value before exemptions a year (2025 tax year (bills due 2026), Cook County), plus flat charges on the same bill.

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

About $57,139 a year on $500,000 of the value before exemptions with the homeowner exemption.

How much is the water bill in Oak Park?

About $115 a month for water and sewer at typical use (7,000 gallons a month) on Village of Oak Park.

How much does trash pickup cost in Oak Park?

$28 to $31 a month, depending on the trash cart size (96-gallon refuse cart, 64-gallon refuse cart).

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

Yes. Seniors 65+ with income up to $65,000 (2024): Senior Freeze: Senior homeowners are eligible for this exemption if they are over 65 years of age and have a total household annual income of $65,000 or less in the 2024 calendar year.

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

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