Woodstock, IL · Updated Oct 2026

What a Woodstock 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 Woodstock house

$9,351a year · $779 a month

Starts at $81,900 of value before exemptions. Typical use.

Property tax$6,355
8.599% of $81,900, less $8,000 general homestead exemption
Electricity and gas$1,808
609 kWh a month $1,339 · 31 therms $469
Water and sewer$869
7.3333 units (CCF) a month on City of Woodstock: water $34, sewer $38 a month
Trash$318
95-gallon tote (standard), $27 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Woodstock house costs about $9,400 a year: $6,350 property tax and charges, $870 water and sewer, $320 trash, $1,810 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:

Seniors 65+: senior homestead exemption
Reduces equalized assessed value by up to $8,000.
How: See the McHenry County Assessments exemptions page.
Seniors 65+: low-income assessment freeze
Freezes the equalized assessed value at the base year (year before first qualifying). Must be 65 or older, household income $75,000 or less.
How: See the McHenry County Assessments exemptions page.
Persons with disabilities exemption
$2,000 off equalized assessed value annually.
How: See the McHenry County Assessments exemptions page.
Senior Rate Service for garbage$186 a year
The garbage rate is $11.07 a month for those who apply and qualify for the senior discount, against $26.53 a month.
How: See the City garbage page.
ComEd hardship grant
Customers who demonstrate a financial hardship may be eligible for a grant of up to $500 to help pay past-due energy bills.
How: Learn more at ComEd.com/ResidentialHardship.

Money dates

November 16, 2026in 12 daysDeadline for filing an assessment complaint, at midnight.
QuarterlyWater, sewer and garbage bills are issued quarterly and are due on the last business day of the month in which they are issued.
Late penaltyBills which are outstanding at the end of the month are assessed a late penalty of 10%.

Who serves this house

Water: City of Woodstock; Bills are calculated in units of one hundred (100) cubic feet, which is approximately 750 gallons of water.
Property tax: 8.60% of value; 2025 tax year (payable 2026), McHenry County, tax code 13001 (Dorr Township)
Garbage: MDC Environmental Services; Totes are serviced and maintained by MDC.
Sewer: City of Woodstock; There are hereby established rates or charges for the usage of the sewage system of the City.
Electricity: ComEd; Single-family without electric space heat rate.
Gas: Nicor Gas; Woodstock is listed in Nicor Gas's territory municipalities (McHenry County).

Pay or manage your bills

Your water

Source: Wells: the depth of these wells range from 110’ to 189’ and are located within the corporate city limits.
Violations: The 2025 report lists a routine monitoring violation for haloacetic acids from 1/1/2025 to 3/31/2025.

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How these numbers are made

Property tax uses the 2025 McHenry County rates for tax code 13001 (Dorr Township, School District 200, McHenry County College 528, Woodstock Fire Rescue, City of Woodstock); the Greenwood, Hartland and Seneca township codes within the city differ by less than 0.15 points, and some codes add Woodstock-area special service areas. 13001 was chosen as the Dorr Township code that covers central Woodstock.
The starting value is one third of the Data USA median property value ($245,700 / 3) because Illinois taxes equalized assessed value; the $8,000 general homestead exemption comes off it. The township equalization factor is modelled as 1.0.
Water ($4.69) and sewer ($5.19) are the city's per-100-cubic-feet usage rates from the table effective April 21, 2026, applied from 9 units a quarter up. The city's quarterly base fees ($20.37 water, $23.28 sewer) and its graduated rate for households using under 900 cubic feet a quarter apply only below 900 cubic feet a quarter (N/A at 900+), so they are not charged at the typical use modelled. At the city's stated typical 22 units a quarter the model gives 7.33 units a month.
Trash is the city's $26.53 a month for a tote (95-gallon standard; 35-gallon at the same cost), billed in the quarterly utility bill.
Electricity is ComEd single-family without electric space heat (January 2026 delivery lines plus October 2026 supply and transmission); gas is Nicor Rate 1 with the October 2026 gas cost. No Woodstock electricity or gas utility tax was found: Nicor's Rider 8 municipal tax list has no Woodstock line. Other riders and state taxes are not modelled.
Nothing here is legal, tax or insurance advice.

Sources

How Woodstock compares

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

Per year	Woodstock	Median	Where it falls
Property tax rate	8.60%	8.23%	higher than 77 of the other 131 Illinois cities we cover
Water	$413	$872	lower than 128 of the other 131 Illinois cities we cover
Sewer and utility-bill fees	$457	$535	lower than 74 of the other 123 Illinois cities we cover
Trash	$318	$283	higher than 86 of the other 127 Illinois cities we cover
Electricity and gas	$1,808	$2,163	lower than 120 of the other 131 Illinois cities we cover
Total	$9,351	$11,701	lower than 105 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 $413 a year at typical use, lower than 128 of the other 131 Illinois cities we cover.

Ask: "Water here costs about $413 a year at typical use, lower than 128 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 $1,808 a year, lower than 120 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 $1,808 a year for a typical house, lower than 120 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 Woodstock house costs

What is the property tax rate in Woodstock?

About 8.60% of the value before exemptions a year (2025 tax year (payable 2026), McHenry County, tax code 13001 (Dorr Township)), plus flat charges on the same bill.

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

About $42,308 a year on $500,000 of the value before exemptions with the general homestead exemption.

How much is the water bill in Woodstock?

About $72 a month for water and sewer at typical use (7.3333 units, or 5,485 gallons a month) on City of Woodstock.

How much does trash pickup cost in Woodstock?

$27 a month for a house.

Can seniors lower their property tax or bills in Woodstock?

Yes. Seniors 65+: senior homestead exemption: Reduces equalized assessed value by up to $8,000.

Where can I get help paying utility bills in Woodstock?

Seniors 65+: low-income assessment freeze: Freezes the equalized assessed value at the base year (year before first qualifying). Must be 65 or older, household income $75,000 or less. See the McHenry County Assessments exemptions page.

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

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