Schaumburg, IL · Updated Oct 2026

What a Schaumburg 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 Schaumburg house

$12,378a year · $1,031 a month

Starts at $115,443 of value before exemptions. Typical use.

Property tax$9,041
8.574% of $115,443, less $10,000 homeowner exemption
Electricity and gas$1,995
693 kWh a month $1,526 · 31 therms $469
Water and sewer$1,342
7,000 gallons a month on Village of Schaumburg: water $94, sewer $18 a month
Trash$0
Basic garbage and recycling service, $0 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Schaumburg house costs about $12,400 a year: $9,040 property tax and charges, $1,340 water and sewer, $0 trash, $1,990 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.

Who serves this house

Water: Village of Schaumburg; Billed per 1,000 gallons.
Property tax: 8.57% of value; 2025 tax year (payable 2026), Cook County, Schaumburg Township
Garbage: Lakeshore Recycling Systems (LRS); The village pays for the basic cost of the refuse and recycling disposal program.
Electricity: ComEd; Electric: Commonwealth Edison (ComEd).
Gas: Nicor Gas; Residential Rate 1.

Pay or manage your bills

Pay water bill ↗

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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 the district combination of Schaumburg Township, Village of Schaumburg, Schaumburg Elementary District 54, Palatine Township High School 211, Harper College, Schaumburg Park District and Schaumburg Township Library (the usual combination in the village; homes in Hanover or Palatine Township and other school or park districts pay different rates, and Special Service Area 16 adds 0.187618 for a few properties).
The starting value is the Assessor's $381,000 median estimate x 10% x the 3.0300 state factor = $115,443, minus the $10,000 homeowner exemption.
Water 2026: $8.00 service charge and $12.76 per 1,000 gallons; sewer $2.66 per 1,000 gallons (effective 05/01/2026).
Electricity is ComEd's 2026 delivery rates plus the non-summer supply price to compare (10.103 cents); summer supply is higher. Gas is Nicor Rate 1: $21.30 plus 24.44 cents distribution and the October 2026 supply cost of 33 cents per therm; riders are not included.
The village lists one $8.00 service charge for water and sewer; it is counted once, in the water charge, and sewer has no separate fixed charge.
Garbage is paid by the village; extra carts and special pickups are billed by LRS.
Nothing here is legal, tax or insurance advice.

Sources

How Schaumburg compares

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

Per year	Schaumburg	Median	Where it falls
Property tax rate	8.57%	8.23%	higher than 76 of the other 131 Illinois cities we cover
Water	$1,127	$872	higher than 99 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$215	$535	lower than 99 of the other 123 Illinois cities we cover
Trash	$0	$283	lower than 123 of the other 127 Illinois cities we cover
Electricity and gas	$1,995	$2,163	lower than 80 of the other 131 Illinois cities we cover
Total	$12,378	$11,701	higher than 79 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 $1,127 a year at typical use, higher than 99 of the other 131 Illinois cities we cover.

Ask: "Water here costs about $1,127 a year at typical use, higher than 99 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 $215 a year, lower than 99 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 $215 a year, lower than 99 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 $0 a year for the standard cart, lower than 123 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 $0 a year for the standard cart, lower than 123 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 Schaumburg house costs

What is the property tax rate in Schaumburg?

About 8.57% of the value before exemptions a year (2025 tax year (payable 2026), Cook County, Schaumburg Township), plus flat charges on the same bill.

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

About $42,013 a year on $500,000 of the value before exemptions with the homeowner exemption.

How much is the water bill in Schaumburg?

About $112 a month for water and sewer at typical use (7,000 gallons a month) on Village of Schaumburg.

How much does trash pickup cost in Schaumburg?

$0 a month for a house.

Can seniors lower their property tax or bills in Schaumburg?

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

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

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