Palatine, IL · Updated Oct 2026

What a Palatine 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 Palatine house

$13,721a year · $1,143 a month

Starts at $130,593 of value before exemptions. Typical use.

Property tax$10,524
8.727% of $130,593, less $10,000 homeowner exemption
Electricity and gas$2,046
693 kWh a month $1,576 · 31 therms $469
Water and sewer$899
7,000 gallons a month on Village of Palatine: water $52, sewer $19, stormwater management fee $4 a month
Trash$252
Curbside pickup (monthly), $21 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Palatine house costs about $13,700 a year: $10,520 property tax and charges, $900 water and sewer, $250 trash, $2,050 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:

Senior citizen exemption
The Senior Citizen Exemption is an EAV reduction of $8,000.
Senior freeze exemption
The Senior Freeze Exemption freezes EAV for homeowners with a maximum income of $65,000.
Yard-waste exempt discount
The Yard-Waste Exempt Discount is $1.50 per month.

Who serves this house

Water: Village of Palatine; Residential customers are billed bi-monthly.
Property tax: 8.73% of value; 2025 tax year (payable 2026), Cook County, Palatine Township
Garbage: Groot Industries; Groot performs all residential refuse and recycling collection for the Village of Palatine.
Electricity: ComEd; COM ED
Gas: Nicor Gas; NICOR GAS

Pay or manage your bills

Your water

Source: The Village receives Lake Michigan Water from the Northwest Water Commission via the City of Evanston.

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How these numbers are made

Property tax uses Cook County's 2025 rates (percent per $100 of equalized assessed value) for Palatine Township with Community Consolidated School District 15, High School District 211, Harper College, the Palatine Park District and Library; the sum is 8.73, near the Clerk's 8.7467 average for the village. Parts of Palatine lie in Districts 54 or 214, Schaumburg or Wheeling township or other park districts and pay different rates; special service areas are not included.
The starting value is the Assessor's $431,000 median estimate x 10% x the 3.0300 state factor = $130,593, minus the $10,000 homeowner exemption.
Water 2026: $8.25 monthly basic user charge plus $6.45 per thousand gallons up to 74,810 gallons and $8.30 above; sewer 2026: $8.25 basic user charge plus $1.65 per thousand gallons. Both pages list the basic charge separately, so both are counted. The $3.85 monthly stormwater management fee is included; the Fair Meadows drainage surcharge ($1.61) applies only to that facility's lots.
Garbage uses the $21.00 monthly curbside pickup charge in the Village's CY 2026 fee schedule (Ordinance O-37-26, effective April 13, 2026). The refuse basic user charge is not added on top of the water one.
Electricity is ComEd's 2026 delivery rates plus the non-summer supply price to compare plus the Village's Municipal Electric Use Tax at 0.61 cents per kWh (first 2,000 kWh a month; typical use falls in that tier); summer supply is higher. Gas is Nicor Rate 1 plus the October 2026 supply cost; the Village's Taxes & Fees and Tax Rates pages list no municipal gas tax, so none is added. Not included: homeowners insurance (no official premium survey found). Water and sewer bill with a 3,500 gallon minimum usage.
Nothing here is legal, tax or insurance advice.

Sources

How Palatine compares

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

Per year	Palatine	Median	Where it falls
Property tax rate	8.73%	8.23%	higher than 83 of the other 131 Illinois cities we cover
Water	$620	$872	lower than 108 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$278	$535	lower than 90 of the other 123 Illinois cities we cover
Trash	$252	$283	lower than 83 of the other 127 Illinois cities we cover
Electricity and gas	$2,046	$2,163	lower than 77 of the other 131 Illinois cities we cover
Total	$13,721	$11,701	higher than 101 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 $620 a year at typical use, lower than 108 of the other 131 Illinois cities we cover.

Ask: "Water here costs about $620 a year at typical use, lower than 108 of the other 131 Illinois cities we cover. What drives that cost, and would you change anything?"

Common questions about Palatine house costs

What is the property tax rate in Palatine?

About 8.73% of the value before exemptions a year (2025 tax year (payable 2026), Cook County, Palatine Township), plus flat charges on the same bill.

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

About $42,763 a year on $500,000 of the value before exemptions with the homeowner exemption.

How much is the water bill in Palatine?

About $75 a month for water and sewer at typical use (7,000 gallons a month) on Village of Palatine.

How much does trash pickup cost in Palatine?

$21 a month for a house.

Can seniors lower their property tax or bills in Palatine?

Yes. Senior citizen exemption: The Senior Citizen Exemption is an EAV reduction of $8,000.

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

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