Rock Island, IL · Updated Oct 2026

What a Rock Island 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 Rock Island house

$7,134a year · $595 a month

Starts at $41,967 of value before exemptions. Typical use.

Property tax$3,647
10.141% of $41,967, less $6,000 owner occupied exemption, lowers the equalized assessed value by up to
Electricity and gas$1,496
693 kWh a month $814 · 74.87 therms $681
Water and sewer$1,843
9 units (CCF) a month on City of Rock Island water: water $62, sewer $75, stormwater (medium single-family parcel) $6, street improvement utility (medium parcel) $10 a month
Trash$148
Single-family home, one refuse cart, $12 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Rock Island house costs about $7,100 a year: $3,650 property tax and charges, $1,840 water and sewer, $150 trash, $1,500 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:

Owner occupied exemption
This exemption lowers the taxable value of your property by up to $6,000.
How: Apply through your township assessor or the Rock Island County assessment office.
Seniors 65+: low-income assessment freeze
At least one owner must be 65 or older by December 31, 2026 and household income not greater than $75,000 in 2025.
How: The 2026 application deadline is July 1, 2026.
Disabled persons exemption
Under this program, $2,000 of the equalized assessed value of a home owned by a qualifying disabled person is exempt from property taxes.
How: See the Rock Island County property tax relief page.

Who serves this house

Water: City of Rock Island water; Water rates effective January 1, 2026; the fixed meter charge is billed quarterly.
Property tax: 10.14% of value; 2025 tax year (payable 2026), tax code 09001
Garbage: City of Rock Island; Single-family home refuse charge is $12.32 per month, billed on the City utility bill.
Sewer: City of Rock Island; The City sets wastewater rates in Ordinance No. 108-2025.
Electricity: MidAmerican Energy; Rock Island is in MidAmerican Energy's Illinois electric service area.
Gas: MidAmerican Energy; Rock Island is in MidAmerican Energy's Illinois gas service area.

Pay or manage your bills

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How these numbers are made

Property tax uses tax code 09001 (City of Rock Island, Rock Island School District 41) for tax year 2025 payable 2026: total 10.1411 per $100 of equalized assessed value. Other tax codes inside the city differ.
The starting value is one third of the Census median market value ($125,900 / 3) because Illinois taxes equalized assessed value at 33.33% of market value. The $6,000 owner occupied exemption comes off that value.
Water: quarterly 5/8-inch meter charge $49.81 divided by 3, and $5.07 per 100 cubic feet for the first 15,000 cubic feet of the quarter (50 CCF a month), then $4.64. Sewer: quarterly meter charge $66.93 divided by 3 plus $5.89 per 100 cubic feet (the rate over 15,000 cubic feet a quarter is lower and not modelled). Refuse: $12.32 a month. Stormwater: $6.05 a month and street improvement utility fee $10.00 a month for parcels of 6,000 to 18,000 square feet; small parcels pay $4.53 and large parcels $7.57.
Electricity uses MidAmerican Rate RS: $7.25 basic plus $1.72 meter charge, plus the $0.40 energy assistance, $0.05 coal and renewable and $0.17 uncollectible monthly charges, and supply plus delivery weighted over 4 summer and 8 winter months for use under 1,000 kWh. Per-kWh riders added: Rider TS transmission ($0.01467, effective April 2026), Rider TERM tax expense revision ($(0.00445), the latest value in the tariff, April 2024; no later value is published in the tariff), energy efficiency, fuel, purchased electricity, renewable and zero emission power, the state electricity tax and the Rock Island municipal tax addition; Rock Island has no electric franchise fee listed. Rider ND nuclear decommissioning is 0.00 cents per kWh from January 1, 2024, so it adds nothing. Gas is Rate RV1 plus the October 2026 supply charge, grossed up for the 5.15% Rock Island municipal utility tax, the 0.10% state tax and 2.4 cents per therm gas revenue tax; no Rock Island gas franchise fee is listed and the gas Rider EECR energy efficiency ($0.00466 per therm), Rider TERM ($(0.00992) per therm, April 2024, the latest in the tariff) and Rider UAG uncollectible ($(0.11) a month, grossed up for the taxes) are included. Gas use is the Illinois residential average per customer from EIA.
Not included: homeowners insurance (no official premium survey was found); water usage beyond the first tier is priced at the lower tier. The 9 ccf a month of water used is an assumption; Rock Island publishes no typical household use.
Nothing here is legal, tax or insurance advice.

Sources

How Rock Island compares

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

Per year	Rock Island	Median	Where it falls
Property tax rate	10.14%	8.23%	higher than 111 of the other 131 Illinois cities we cover
Water	$747	$872	lower than 89 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$1,096	$535	higher than 117 of the other 123 Illinois cities we cover
Trash	$148	$283	lower than 116 of the other 127 Illinois cities we cover
Electricity and gas	$1,496	$2,163	lower than 128 of the other 131 Illinois cities we cover
Total	$7,134	$11,701	lower than 126 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: Rock Island's property tax rate is 10.14%, higher than 111 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 Rock Island is 10.14%, higher than 111 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. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $1,096 a year, higher than 117 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 $1,096 a year, higher than 117 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 $148 a year for the standard cart, lower than 116 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 $148 a year for the standard cart, lower than 116 of the other 127 Illinois cities we cover. What drives that cost, and would you change anything about the service or the price?"

4. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $1,496 a year, lower than 128 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 $1,496 a year for a typical house, lower than 128 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 Rock Island house costs

What is the property tax rate in Rock Island?

About 10.14% of the value before exemptions a year (2025 tax year (payable 2026), tax code 09001), plus flat charges on the same bill.

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

About $50,097 a year on $500,000 of the value before exemptions with the owner occupied exemption, lowers the equalized assessed value by up to.

How much is the water bill in Rock Island?

About $154 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on City of Rock Island water.

How much does trash pickup cost in Rock Island?

$12 a month for a house.

Can seniors lower their property tax or bills in Rock Island?

Yes. Seniors 65+: low-income assessment freeze: At least one owner must be 65 or older by December 31, 2026 and household income not greater than $75,000 in 2025.

Where can I get help paying utility bills in Rock Island?

Seniors 65+: low-income assessment freeze: At least one owner must be 65 or older by December 31, 2026 and household income not greater than $75,000 in 2025. The 2026 application deadline is July 1, 2026.

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

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