Oswego, IL · Updated Oct 2026

What a Oswego 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 Oswego house

$11,972a year · $998 a month

Starts at $114,833 of value before exemptions. Typical use.

Property tax$8,109
7.451% of $114,833, less $6,000 general homestead exemption
Electricity and gas$1,972
609 kWh a month $1,489 · 31 therms $483
Water and sewer$1,562
7,000 gallons a month on Village of Oswego: water $62, sewer $69 a month
Trash$328
95-gallon refuse cart with recycling, $27 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Oswego house costs about $12,000 a year: $8,110 property tax and charges, $1,560 water and sewer, $330 trash, $1,970 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
Persons 65 or older who live in the home and are liable for the property taxes are eligible for a homestead exemption which reduces the equalized assessed value of their home by $5,000.
How: Apply with the Kendall County Assessment Office.
Seniors 65+ with household income up to $65,000: assessment freeze
Qualified seniors must be 65 or older during the taxable year and have a total household income of no more than $65,000.
How: Submit the application every year.
Disabled veterans: homestead exemption
This exemption may be up to $70,000 of the assessed value for certain types of housing owned and used by a disabled veteran or his or her unmarried surviving spouse.
How: Eligibility is determined by the Illinois Department of Veterans' Affairs and must be reestablished annually.

Money dates

Every other month: January, March, May, July, September, November (billed on the 15th)Village water, sewer maintenance and garbage bills are mailed; payment is due within 20 days of the bill date and a 10% penalty is added if late. Fox Metro sends its own sewer treatment bill about every two months.

Who serves this house

Water: Village of Oswego; Regular water rate per 1,000 gallons, in tiers; the base service rate is billed every two months by meter size.
Property tax: 7.45% of value; 2025 tax year (payable 2026), Kendall County
Garbage: Groot Industries; All refuse, recycling and yard waste will be collected by Groot Industries.
Sewer: Fox Metro Water Reclamation District; Fox Metro charges $8.26 per 1,000 gallons of water used for processing domestic wastes.
Electricity: ComEd; ComEd is listed as the electric service on the Village's new resident utility contact list.
Gas: Nicor Gas; Nicor Gas is listed as the natural gas service on the Village's new resident utility contact list.

Pay or manage your bills

Your water

Source: The Village of Oswego water is drawn from eight separate deep wells and stored in the water towers.
Hardness: The Water hardness is 13.3 grains per gallon=260 mg per liter.

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How these numbers are made

Property tax uses Kendall County's 2025 district rates (payable 2026) for the Oswego village tax code: county, forest preserve, Joliet Junior College 516, Oswego Township, multi-township assessment district, Oswego library, Oswegoland park, Oswego fire protection district, Village of Oswego and School District 308, total 7.4512 per $100 of equalized assessed value. The county publishes rates per district; the exact combination was not confirmed against the 2025 tax-code report, and parcels in other codes (Kane or Will County parts, special service areas) differ.
The starting value is one third of the Census median market value ($344,500 / 3), because Illinois taxes equalized assessed value (about one third of market value). The $6,000 general homestead exemption comes off that value.
Water is the regular rate per 1,000 gallons; the 15,000-gallon tier is taken as per two-month bill (7,500 per month) and the meter charge of $10.35 per two months is halved. Sewer is the Village's $1.92 plus Fox Metro's separate $8.26 (Fox Metro bills it on its own bill) per 1,000 gallons of water used, both on water use. Garbage is $54.72 per two months halved.
Electricity is the ComEd delivery sheet plus the Price to Compare and the 1.69 cents per kWh Renewable Energy Adjustment, plus the Village's 0.366 cents per kWh electric tax; gas is Nicor Rate 1 with the Village's 3% gas utility tax applied. Gas use tax and special service area charges are not included.
Insurance is not included: no official Oswego or Illinois premium survey was found.
Nothing here is legal, tax or insurance advice.

Sources

How Oswego compares

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

Per year	Oswego	Median	Where it falls
Property tax rate	7.45%	8.23%	lower than 92 of the other 131 Illinois cities we cover
Water	$740	$872	lower than 91 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$822	$535	higher than 95 of the other 123 Illinois cities we cover
Trash	$328	$283	higher than 93 of the other 127 Illinois cities we cover
Electricity and gas	$1,972	$2,163	lower than 85 of the other 131 Illinois cities we cover
Total	$11,972	$11,701	higher than 71 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 $822 a year, higher than 95 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 $822 a year, higher than 95 of the other 123 Illinois cities we cover. What drives that cost, and would you change anything?"

Common questions about Oswego house costs

What is the property tax rate in Oswego?

About 7.45% of the value before exemptions a year (2025 tax year (payable 2026), Kendall County), plus flat charges on the same bill.

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

About $36,809 a year on $500,000 of the value before exemptions with the general homestead exemption.

How much is the water bill in Oswego?

About $130 a month for water and sewer at typical use (7,000 gallons a month) on Village of Oswego.

How much does trash pickup cost in Oswego?

$27 a month for a house.

Can seniors lower their property tax or bills in Oswego?

Yes. Seniors 65+: senior homestead exemption: Persons 65 or older who live in the home and are liable for the property taxes are eligible for a homestead exemption which reduces the equalized assessed value of their home by $5,000.

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

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