Plano, IL · Updated Oct 2026

What a Plano 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 Plano house

$8,859a year · $738 a month

Starts at $76,900 of value before exemptions. Typical use.

Property tax$5,423
7.649% of $76,900, less $6,000 general homestead exemption
Electricity and gas$2,002
609 kWh a month $1,508 · 31 therms $493
Water and sewer$1,132
7,000 gallons a month on City of Plano: water $45, sewer $49 a month
Trash$303
65-gallon refuse cart with 65-gallon recycling cart, $25 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Plano house costs about $8,900 a year: $5,420 property tax and charges, $1,130 water and sewer, $300 trash, $2,000 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

One change saves this house about $757 a year:

Bring water use down to 1 units
$757 a year
Above 1 units a month, City of Plano charges $7.89 a unit instead of $0.00.
How: Most of the top tier is outdoor watering: fix leaks and water less often in summer.

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.
Seniors 62+ who live in Plano: senior water, sewer and garbage rates
Senior citizens (62 and resident of Plano) pay $16.83 for the first 4,000 gallons of water, $27.64 for the first 4,000 gallons of sewer, and $44.68 for garbage, each per two months.
How: Fill in the City's senior discount application.
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 (bills mailed at the end of the month)Water, sewer and garbage are billed every 2 months; meters are read around the 1st of the month and bills are mailed at the end of the month.

Who serves this house

Water: City of Plano; First 2,000 gallons $22.25 and $5.90 per 1,000 gallons above that, billed every 2 months.
Property tax: 7.65% of value; 2025 tax year (payable 2026), Kendall County
Garbage: Groot; Groot was awarded the contract to be the sole waste and recycling service provider for all of the homes in the City of Plano, Illinois.
Sewer: City of Plano; Sewer rates are based upon number of gallons of water used.
Electricity: ComEd; ComEd filed the Municipal Utility Tax Ordinance for the City of Plano with the Illinois Commerce Commission.
Gas: Nicor Gas; Nicor Gas lists Plano among the municipalities where it bills a utility tax charge.

Pay or manage your bills

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How these numbers are made

Property tax uses Kendall County's 2025 district rates (payable 2026): county, forest preserve, Community College 516, Fox Township, Plano library, Little Rock-Fox fire protection district, City of Plano and Plano CUSD 88, total 7.6489 per $100 of equalized assessed value. The exact tax-code combination for Plano was not confirmed against the county's code-by-code report; road district, multi-township and special service area rates are not included.
The starting value is one third of the Census median market value ($230,700 / 3), because Illinois taxes equalized assessed value (about one third of market value). The $6,000 general homestead exemption comes off that value.
Water: the City charges $22.25 per two months for the first 2,000 gallons and $5.90 per 1,000 gallons beyond; modeled as $11.125 a month including the first 1,000 gallons a month. Sewer: $29.02 per two months for the first 2,000 gallons and $6.08 per 1,000 gallons beyond, modeled the same way. Garbage is $50.50 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 0.628 cents per kWh Plano municipal tax addition for the first 2,000 kWh; gas is Nicor Rate 1 with the 5.15% Plano additional charge applied.
Insurance is not included: no official Plano or Illinois premium survey was found.
Nothing here is legal, tax or insurance advice.

Sources

How Plano compares

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

Per year	Plano	Median	Where it falls
Property tax rate	7.65%	8.23%	lower than 84 of the other 131 Illinois cities we cover
Water	$539	$872	lower than 117 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$592	$535	higher than 71 of the other 123 Illinois cities we cover
Trash	$303	$283	higher than 76 of the other 127 Illinois cities we cover
Electricity and gas	$2,002	$2,163	lower than 79 of the other 131 Illinois cities we cover
Total	$8,859	$11,701	lower than 112 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 $539 a year at typical use, lower than 117 of the other 131 Illinois cities we cover.

Ask: "Water here costs about $539 a year at typical use, lower than 117 of the other 131 Illinois cities we cover. What drives that cost, and would you change anything?"

Common questions about Plano house costs

What is the property tax rate in Plano?

About 7.65% 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 Plano?

About $37,786 a year on $500,000 of the value before exemptions with the general homestead exemption.

How much is the water bill in Plano?

About $94 a month for water and sewer at typical use (7,000 gallons a month) on City of Plano.

How much does trash pickup cost in Plano?

$25 a month for a house.

Can seniors lower their property tax or bills in Plano?

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 Plano cost to run each year?

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