Westchester, IL · Updated Oct 2026

What a Westchester 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 Westchester house

$10,657a year · $888 a month

Starts at $69,693 of value before exemptions. Typical use.

Property tax$5,613
9.404% of $69,693, less $10,000 homeowner exemption
Electricity and gas$2,267
583 kWh a month $1,456 · 74.87 therms $811
Water and sewer$2,509
7,000 gallons a month on Village of Westchester water: water $164, sewer $45 a month
Trash$268
Weekly rubbish pickup (standard rate), $22 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Westchester house costs about $10,700 a year: $5,610 property tax and charges, $2,510 water and sewer, $270 trash, $2,270 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:

Homeowner Exemption
The Homeowner Exemption reduces the Equalized Assessed Value (EAV) of a property by $10,000.
How: Apply with the Cook County Assessor.
Senior Exemption
The Senior Exemption reduces the Equalized Assessed Value (EAV) of a property by $8,000.
How: Apply with the Cook County Assessor.
Seniors over 65 with income up to $65,000: Senior Freeze
Owners over 65 years of age with a total household annual income of $65,000 or less in the 2024 calendar year may be eligible.
How: Apply with the Cook County Assessor.
Seniors 65+: rubbish discount
The rubbish rate is $19.14/month for seniors 65+ (standard rate $22.32/month).
How: Use the Senior Rubbish Discount Application on the Village rates page.
Low-income residents: water fixture grant
Fixture Efficiency Grant: Up to 90% reimbursement (max $500) for low-income residents on water-efficient fixtures.
How: See the Village rates page.
Payment arrangements for hardship
Hardship Program: Payment arrangements for those experiencing financial difficulty.
How: See the Village rates page.

Who serves this house

Water: Village of Westchester water; New utility rates effective July 1, 2026.
Property tax: 9.40% of value; 2025 tax year, Cook County tax code 31047
Electricity: ComEd; ComEd's municipal tax addition table lists Westchester.
Gas: Nicor Gas; Nicor's Rider 8 table lists Westchester.

Pay or manage your bills

Your water

Source: Westchester receives its water from Lake Michigan through the Broadview-Westchester Joint Water Agency, which purchases treated water from the City of Chicago.

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How these numbers are made

Property tax uses Cook County's 2025 agency rates for tax code 31047 (Village of Westchester and its library fund, School District 92 1/2, Proviso Township High School 209, Triton College, Westchester Park District, MWRD; total 9.403772 per $100 of equalized assessed value). Elections, Forest Preserve, Proviso Township and mosquito abatement are grouped as other districts.
The starting value is the median 2025-assessment-year Board of Review assessed value ($23,001) of Proviso Township single-family parcels (classes 202-210, 234, 278, 295; Cook County Assessor Open Data, 37,578 parcels), the township Westchester sits in, times the final 2025 equalization factor 3.0300 (the factor for the tax year of the rates); the $10,000 Homeowner Exemption comes off it. It is a township figure, not a Westchester-only one. The Assessor's 2026 estimate ($286k) and the 2025 median sale price ($326k) on its valuation page are not used: the 2026 estimate first appears on 2027 bills.
Electricity and gas follow the Franklin Park method: ComEd delivery plus the October 2026 price to compare plus Westchester's 0.590 cents municipal tax addition and 0.330 cents state addition; Nicor Rate 1 plus October 2026 supply with Westchester's 5.15% charge.
Water is $21.13 per 1,000 gallons and sewer $4.43 per 1,000 gallons from July 1, 2026, plus the $22 water and $15 sewer infrastructure fees per month; the bills come bi-monthly, so the fees are shown monthly. The village publishes no typical use. Rubbish is $22.32 a month on the same utility bill.
Modelling: $23,001 is the median board_tot across Proviso residential classes 202-210, 234, 278, 295; EAV = assessed value x 3.03 equalizer.
Nothing here is legal, tax or insurance advice.

Sources

How Westchester compares

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

Per year	Westchester	Median	Where it falls
Property tax rate	9.40%	8.23%	higher than 98 of the other 131 Illinois cities we cover
Water	$1,971	$872	higher than 130 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$538	$535	higher than 63 of the other 123 Illinois cities we cover
Trash	$268	$283	lower than 74 of the other 127 Illinois cities we cover
Electricity and gas	$2,267	$2,163	higher than 92 of the other 131 Illinois cities we cover
Total	$10,657	$11,701	lower than 85 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 $1,971 a year at typical use, higher than 130 of the other 131 Illinois cities we cover.

Ask: "Water here costs about $1,971 a year at typical use, higher than 130 of the other 131 Illinois cities we cover. What drives that cost, and would you change anything?"

Common questions about Westchester house costs

What is the property tax rate in Westchester?

About 9.40% of the value before exemptions a year (2025 tax year, Cook County tax code 31047), plus flat charges on the same bill.

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

About $46,078 a year on $500,000 of the value before exemptions with the homeowner exemption.

How much is the water bill in Westchester?

About $209 a month for water and sewer at typical use (7,000 gallons a month) on Village of Westchester water.

How much does trash pickup cost in Westchester?

$22 a month for a house.

Can seniors lower their property tax or bills in Westchester?

Yes. Senior Exemption: The Senior Exemption reduces the Equalized Assessed Value (EAV) of a property by $8,000.

Where can I get help paying utility bills in Westchester?

Low-income residents: water fixture grant: Fixture Efficiency Grant: Up to 90% reimbursement (max $500) for low-income residents on water-efficient fixtures. See the Village rates page.

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

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