Western Springs, IL · Updated Oct 2026

What a Western Springs 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 Western Springs house

$20,349a year · $1,696 a month

Starts at $224,038 of value before exemptions. Typical use.

Property tax$16,863
7.878% of $224,038, less $10,000 homeowner exemption
Electricity and gas$2,301
583 kWh a month $1,455 · 74.87 therms $846
Water and sewer$942
4,000 gallons a month on Village of Western Springs water: water $61, stormwater fee (middle tier, which applies to the majority of single-family homes) $18 a month
Trash$243
65-gallon cart, curbside (garbage and recycling), $20 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Western Springs house costs about $20,300 a year: $16,860 property tax and charges, $940 water and sewer, $240 trash, $2,300 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

One change saves this house about $527 a year:

Bring water use down to 3 units
$527 a year
Above 3 units a month, Village of Western Springs water charges $18.72 a unit instead of $0.00.
How: Most of the top tier is outdoor watering: fix leaks and water less often in summer.

Worth checking

Switch to the 35-gallon cart, curbside (garbage and recycling) cartUp to $19 a year
Your cart costs $20 a month; the smallest costs $19. Worth it if you rarely fill it.
How: Call your garbage hauler.
Seniors over 65 with income up to $65,000: Senior Freeze
Senior homeowners over 65 with a total household annual income of $65,000 or less in the 2024 calendar year may be eligible for the Senior Freeze exemption.
How: Apply with the Cook County Assessor.
Homeowner Exemption
The Homeowner Exemption reduces the Equalized Assessed Value (EAV) of a property by $10,000.
How: See the Cook County Assessor page for this exemption.
Seniors 65+ with income limits: discounted water/sewer rate
The Village offers a senior discounted water/sewer rate of $10 per thousand gallons to residents who are age 65 and older and meet an income level requirement.
How: Apply with the Village Finance Department.
Seniors over 65: 10% off the 35-gallon curbside cart
The LRS rate sheet lists a 10% senior discount for the 35-gallon curbside cart for residents over 65, at $16.85 a month for 2026.
How: Ask LRS for the senior rate.

Adjust to match your bills

What you knowTrash cart

Value before exemptionsMost Western Springs codes are in School District 101 and Lyons Township High School District 204 at 7.88 per $100 (code 21034 and identical codes). Parcels in School District 106 total about 7.5-7.7. The starting value is the Census median value of owner-occupied homes in Western Springs.

I live here and have the Homeowner Exemption

Home insurance, a yearFrom your policy's declarations page.

Your use

Water, thousands of gallons a month

On your water bill. A typical house uses 5,000–8,000 gallons.

Electricity, kWh a month

On your ComEd bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Every other monthWater bills come every other month; a 10% penalty applies if payment is not received by the due date.

Who serves this house

Water: Village of Western Springs water; Village homeowners are billed every other month for water service.
Property tax: 7.88% of value; 2025 tax year, Cook County tax code 21034
Garbage: Lakeshore Recycling Systems (LRS); Lakeshore Recycling Systems (LRS) is the Village's refuse, recycling, yard waste, and compost collection service provider.
Water source: Village of Western Springs wells; The Village of Western Springs derives its water from its own wells.

Pay or manage your bills

Your water

Source: The Village of Western Springs derives its water from its own wells.

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How these numbers are made

Property tax uses Cook County's 2025 agency rates for tax code 21034 (Village of Western Springs, School District 101, Lyons Township High School District 204, College of DuPage, Western Springs Park District; total 7.878482 per $100 of equalized assessed value). Other codes, such as School District 106 parcels, differ. The Village's rate combines its general and library levies. Forest Preserve, elections, Lyons Township, road and bridge and mosquito abatement are grouped as other districts. Trash is billed by LRS, not on the tax bill.
The starting value is the Census median value of owner-occupied homes in Western Springs ($739,400, 2020-2024) times 10% times the 2025 Cook County equalization factor 3.0300; the $10,000 Homeowner Exemption comes off it.
Water and sewer: one combined rate of $14.00 per 1,000 gallons, billed every other month with a $56.00 minimum (equal to 4,000 gallons) and a $10.00 capital maintenance fee per bill. Per month this is a $28 minimum (the first 2,000 gallons) plus $5, and $14 per 1,000 gallons above 2,000. The Village's rate review gives 4,000 gallons a month as the average residential use. The Village proposed an increase for January 2027 (about $16.05 more a month at that use); it is not included. The stormwater fee uses the middle tier most single-family homes fall in; the two other tiers differ.
Garbage uses LRS's 2026 curbside monthly rates for 35, 65 and 95-gallon carts (garbage and recycling). Backdoor service costs more, and yard waste carts (May-Nov) are extra; neither is included.
Electricity: ComEd delivery charges plus the October 2026 price to compare, plus the ComEd municipal tax addition for Western Springs (0.581 cents per kWh for the first 2,000 kWh) and the state tax addition (0.330 cents). Gas: Nicor Rate 1 plus the October 2026 supply cost and riders, raised by the 5.15% utility tax Nicor lists for Western Springs, applied to per-therm charges only. Optional TotalGreen is not included.
Not included: homeowners insurance (no official Illinois premium survey for Western Springs was found).
Nothing here is legal, tax or insurance advice.

Sources

How Western Springs compares

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

Per year	Western Springs	Median	Where it falls
Property tax rate	7.88%	8.23%	lower than 77 of the other 131 Illinois cities we cover
Water	$732	$872	lower than 93 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$210	$535	lower than 101 of the other 123 Illinois cities we cover
Trash	$243	$283	lower than 90 of the other 127 Illinois cities we cover
Electricity and gas	$2,301	$2,163	higher than 116 of the other 131 Illinois cities we cover
Total	$20,349	$11,701	higher than 122 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. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $210 a year, lower than 101 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 $210 a year, lower than 101 of the other 123 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 $2,301 a year, higher than 116 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 $2,301 a year for a typical house, higher than 116 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 Western Springs house costs

What is the property tax rate in Western Springs?

About 7.88% of the value before exemptions a year (2025 tax year, Cook County tax code 21034), plus flat charges on the same bill.

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

About $38,605 a year on $500,000 of the value before exemptions with the homeowner exemption.

How much is the water bill in Western Springs?

About $79 a month for water at typical use (4,000 gallons a month) on Village of Western Springs water.

How much does trash pickup cost in Western Springs?

$19 to $22 a month, depending on the trash cart size (35-gallon cart, curbside (garbage and recycling), 65-gallon cart, curbside (garbage and recycling), 95-gallon cart, curbside (garbage and recycling)).

Can seniors lower their property tax or bills in Western Springs?

Yes. Seniors over 65 with income up to $65,000: Senior Freeze: Senior homeowners over 65 with a total household annual income of $65,000 or less in the 2024 calendar year may be eligible for the Senior Freeze exemption.

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

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