Prospect Heights, IL · Updated Oct 2026

What a Prospect Heights 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 Prospect Heights house

$14,474a year · $1,206 a month

Starts at $129,987 of value before exemptions. Typical use.

Property tax$10,428
8.691% of $129,987, less $10,000 homeowner exemption
Electricity and gas$2,072
693 kWh a month $1,579 · 31 therms $493
Water and sewer$1,631
7,000 gallons a month on City of Prospect Heights: water $114, sewer $22 a month
Trash$343
Single family curbside (monthly), $29 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Prospect Heights house costs about $14,500 a year: $10,430 property tax and charges, $1,630 water and sewer, $340 trash, $2,070 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.
Seniors 65+: discounted trash rate
Flood Brothers offers a senior discount for the collection portion of the bill.
How: Seniors (age 65 or older) may request it by completing an application and showing proof of residency and proof of age.

Money dates

11th of each monthCity water bills are due on the 11th of the month after they are issued.
QuarterlySanitary sewer bills are issued on the 15th of January, April, July and October and are due on the 11th of the following month.

Who serves this house

Water: City of Prospect Heights; These apply only to homes on City water, which serves a portion of the city's residents.
Property tax: 8.69% of value; 2025 tax year (payable 2026), Cook County, Wheeling Township
Garbage: Flood Brothers; The city is currently contracted with Flood Brothers for refuse, yard-waste, and recycling collection.
Sewer: City of Prospect Heights; The City of Prospect Heights maintains the former Old Town Sanitary District and Special Service Areas 1, 2, 3, and 4.
Electricity: ComEd; Commonwealth Edison 1-800-334-7661
Gas: Nicor Gas; Nicor Gas 1-888-642-6748

Pay or manage your bills

Your water

Source: The source of drinking water used by Prospect Heights is Lake Michigan, produced by the Village of Wilmette
Hardness: The tap water has a hardness of 150 mg/l or about 8.02 grains per gallon.

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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 Wheeling Township with Prospect Heights School District 23, High School District 214, Harper College, and the Prospect Heights Park District, Library District and Fire Protection District; the sum is 8.69, below the Clerk's 9.46 average for the city, which includes parcels in other districts and special service areas. Part of the city is in Northfield Township or in Districts 21, 25, 26 or 31, Glenbrook District 225, Oakton College or other park, library and fire districts, and some parcels pay special service area taxes (SSA 5, 6 and 8 have their own rates); these are not included.
The starting value is the Assessor's $429,000 Wheeling Township median x 10% x the 3.0300 state factor = $129,987, minus the $10,000 homeowner exemption.
Water uses the City system's FY2026-27 rates effective May 1, 2026: $8.78 per 1,000 gallons plus $35.11 delivery, $14.14 infrastructure reserve and $5.58 maintenance reserve charges a month ($54.83). The City's water page says it supplies a portion of residents; the City's water master plan (undated) counts about 920 City water connections and about 2,140 residences on private wells, so City water is probably not the majority; homes on a well or Illinois American Water pay different amounts, and the page total is for a City-water home. The new-resident packet text we could read says nothing on this. The sanitary sewer is the City's $22.00 a month rate effective with July 1, 2026 billings, for homes connected to it.
Electricity is ComEd's 2026 delivery rates plus the October 2026 supply price to compare (10.103 cents), with the 0.946% Prospect Heights franchise cost addition on delivery and the 0.560 cents per kWh municipal tax. Gas is Nicor Rate 1: $21.30 plus 24.44 cents distribution and the October 2026 supply cost of 33 cents per therm, with the 5.15% Prospect Heights municipal tax (Rider 8); Nicor's Rate 1 riders (e.g. Rider 6 gas supply cost, Rider 12 environmental cost recovery) are not in the 24.44 cents and $21.30 figures; Nicor's residential summary page did not list them and the per-therm rider amounts were not found, so the gas charge is likely low.
Garbage is Flood Brothers' single-family curbside rate effective July 1, 2025 ($28.57 a month, including the City's SWANCC disposal fee). Not included: homeowners insurance (no official premium survey found) and Illinois American Water costs (its ICC tariff for the Chicago Metro District was suspended/under revision in 2026 and the facilities charge for Prospect Heights was not found) and private well costs. The newsletter lists no stormwater charge; none is included.
Water rates are the City's FY2026-27 rates per month (ordinance O-26-03, scanned), effective May 1, 2026. Electric delivery charges come from ComEd's 2026 ratebook plus the franchise and municipal tax additions.
Nothing here is legal, tax or insurance advice.

Sources

How Prospect Heights compares

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

Per year	Prospect Heights	Median	Where it falls
Property tax rate	8.69%	8.23%	higher than 80 of the other 131 Illinois cities we cover
Water	$1,367	$872	higher than 119 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$264	$535	lower than 93 of the other 123 Illinois cities we cover
Trash	$343	$283	higher than 103 of the other 127 Illinois cities we cover
Electricity and gas	$2,072	$2,163	lower than 74 of the other 131 Illinois cities we cover
Total	$14,474	$11,701	higher than 108 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 $1,367 a year at typical use, higher than 119 of the other 131 Illinois cities we cover.

Ask: "Water here costs about $1,367 a year at typical use, higher than 119 of the other 131 Illinois cities we cover. What drives that cost, and would you change anything?"

2. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $264 a year, lower than 93 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 $264 a year, lower than 93 of the other 123 Illinois cities we cover. What drives that cost, and would you change anything?"

3. Trash

The fact: Trash pickup here costs about $343 a year for the standard cart, higher than 103 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 $343 a year for the standard cart, higher than 103 of the other 127 Illinois cities we cover. What drives that cost, and would you change anything about the service or the price?"

Common questions about Prospect Heights house costs

What is the property tax rate in Prospect Heights?

About 8.69% of the value before exemptions a year (2025 tax year (payable 2026), Cook County, Wheeling Township), plus flat charges on the same bill.

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

About $42,586 a year on $500,000 of the value before exemptions with the homeowner exemption.

How much is the water bill in Prospect Heights?

About $136 a month for water and sewer at typical use (7,000 gallons a month) on City of Prospect Heights.

How much does trash pickup cost in Prospect Heights?

$29 a month for a house.

Can seniors lower their property tax or bills in Prospect Heights?

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

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

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