Swansea, IL · Updated Oct 2026

What a Swansea 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 Swansea house

$11,778a year · $981 a month

Starts at $74,533 of value before exemptions. Typical use.

Property tax$5,446
7.946% of $74,533, less $6,000 general homestead exemption
Electricity and gas$2,829
853.4 kWh a month $1,684 · 74.87 therms $1,145
Water and sewer$1,926
9 units (CCF) a month on Illinois American Water (Swansea): water $120, sewer $41 a month
Trash$234
95-gallon trash cart and 95-gallon recycling cart (recycling every other week), $19 a month
Home insurance$1,343
Typical premium $1,343

A typical Swansea house costs about $11,800 a year: $5,450 property tax and charges, $1,930 water and sewer, $230 trash, $2,830 electricity and gas, $1,340 home insurance. 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:

Seniors: senior homestead exemption
The senior citizen's homestead exemption reduces assessed value by $5,000 for owner-occupied property.
How: Contact the St. Clair County Board of Review, (618) 825-2489.
Seniors 65+ with income under $65,000: assessment freeze
The low income senior citizen's assessment freeze holds assessed value at its value in the year prior to the initial application; applicants must be 65 or older with annual household income under $65,000.
How: Renewed annually; contact the St. Clair County Board of Review, (618) 825-2489.
Seniors 62+: discounted trash rate
Households with someone 62 or older are eligible for a senior discounted trash and recycling rate of $17.52 per month.
How: Please contact Republic Services to apply.
Sewer summer usage adjustment
Homeowners without a deduct meter who have lived at the address at least a year can apply between September 15 and October 15 for a credit of 50% of the difference between average and actual summer water use.
How: Apply with the village's online Summer Usage Deduction form.

Who serves this house

Water: Illinois American Water (Swansea); A 5.15% municipal tax addition applies to customers in Swansea.
Property tax: 7.95% of value; 2025 tax year (payable 2026), St. Clair County
Garbage: Republic Services; Exclusive garbage hauler for Swansea residents; invoiced quarterly.
Sewer: Village of Swansea; Sewer billed by the village every 2 months.
Electricity: Ameren; Gas and electric provider listed by the Village of Swansea.

Pay or manage your bills

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How these numbers are made

Property tax adds the 2025 rates for St. Clair County tax code 07025 (Wolf Branch School District 113 and Belleville Township High School 201 with the Village of Swansea; the largest Swansea code by value): 7 bodies, 7.9462 per $100 of assessed value. Swansea also has TIF districts that do not change this rate.
Starting value is one third of the Census median ($223,600 / 3) because assessed value is one-third of market value; the general homestead exemption comes off it. Other Swansea tax codes (Whiteside, High Mount or Franklin elementary) have different school rates, and actual assessed values may differ from this model.
Water: Illinois American Water Central schedule, 5/8-inch meter $25.29 plus the $7.49 public fire protection charge, with the 5.15% Swansea municipal tax addition, plus $0.09 per invoice and the $0.40 Swansea 5/8-inch meter-based franchise fee; use charge $1.20026 per 100 gallons converted to CCF (x7.48) with the 5.15% addition. Water rider percentages (QIP 0.86%, ICT -0.0322%, 0.1% gross receipts) are not modeled.
Sewer: village-billed every 2 months; $29.01 per billing period converted to $14.505 a month, plus $2.90 per CCF of water used.
Garbage: Republic Services, $19.47 a month for trash and recycling from May 1, 2026, billed quarterly; yard waste is extra and not included. Electric and gas use Ameren Illinois rates as modeled for Shiloh (Rate GDS-1 plus Rider GER and the October 2026 supply price); typical therms and kWh are Illinois statewide residential averages. No Swansea utility tax was found. Insurance is the Illinois statewide average (2022 NAIC).
Illinois American Water filed a new rate case on Jan 27, 2026 (ICC docket 26-0127); its outcome could not be read, so water rates may change. Whether the Swansea 5.15% addition applies to sewer is not relevant: sewer is village-billed.
Nothing here is legal, tax or insurance advice.

Sources

How Swansea compares

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

Per year	Swansea	Median	Where it falls
Property tax rate	7.95%	8.23%	lower than 73 of the other 131 Illinois cities we cover
Water	$1,439	$872	higher than 122 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$487	$535	lower than 68 of the other 123 Illinois cities we cover
Trash	$234	$283	lower than 95 of the other 127 Illinois cities we cover
Electricity and gas	$2,829	$2,163	higher than 126 of the other 131 Illinois cities we cover
Home insurance	$1,343	$1,343	in the middle of 8 other Illinois cities we cover
Total	$11,778	$11,701	higher than 68 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 $1,439 a year at typical use, higher than 122 of the other 131 Illinois cities we cover.

Ask: "Water here costs about $1,439 a year at typical use, higher than 122 of the other 131 Illinois cities we cover. What drives that cost, and would you change anything?"

2. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,829 a year, higher than 126 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 $2,829 a year for a typical house, higher than 126 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 Swansea house costs

What is the property tax rate in Swansea?

About 7.95% of the value before exemptions a year (2025 tax year (payable 2026), St. Clair County), plus flat charges on the same bill.

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

About $39,254 a year on $500,000 of the value before exemptions with the general homestead exemption.

How much is the water bill in Swansea?

About $161 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on Illinois American Water (Swansea).

How much does trash pickup cost in Swansea?

$19 a month for a house.

Can seniors lower their property tax or bills in Swansea?

Yes. Seniors: senior homestead exemption: The senior citizen's homestead exemption reduces assessed value by $5,000 for owner-occupied property.

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

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