Arroyo Grande, CA · Updated Oct 2026

What a Arroyo Grande house pays

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Sent only to free public map services to find who serves it. Not stored unless you save your house.

Example · a Arroyo Grande house

$15,528a year · $1,294 a month

Starts at the typical market value, $814,200; your assessed value is often lower. Typical use.

Property tax$8,623
1.068% of $814,200, less $7,000 homeowners' exemption
Electricity and gas$3,360
500 kWh a month $2,350 · 31.72 therms $1,010
Water and sewer$1,594
9.5 units (CCF) a month on City of Arroyo Grande: water $90, sewer $13, south san luis obispo county sanitation district treatment charge (proposed in its rate study, from july 1, 2026) $30 a month
Trash$460
64-gallon cart (rate effective 1/1/2026), $38 a month
Home insurance$1,492
Typical premium $1,492

A Arroyo Grande house at the typical market value ($814,200) pays about $15,500 a year: $8,620 property tax and charges, $1,590 water and sewer, $460 trash, $3,360 electricity and gas, $1,490 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 22, 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:

Switch to the 32-gallon cart (rate effective 1/1/2026) cartUp to $106 a year
Your cart costs $38 a month; the smallest costs $29. Worth it if you rarely fill it.
How: Residential customers must use the waste wheelers provided by the garbage company.
Homeowners' exemption: $7,000 off taxable value
The California Constitution provides a $7,000 reduction in the taxable value for a qualifying owner-occupied home.
How: Make a one-time filing with the county assessor where the property is located (claim form BOE-266).
Income-qualified households: PG&E CARE or FERA30–35% off electricity
CARE takes 30–35% off electricity for income-qualified households; FERA takes 18% off for incomes slightly above the CARE limit.
How: Apply with PG&E; application forms are also available through community agencies.

Adjust to match your bills

What you knowTrash cartResidential trash collection includes once-a-week pickup of one greenwaste/organics container and one recycling container.

Value before exemptionsProp 13 assessed values are often well below market. The city has no bond rate of its own in the county's table. Check your own bill for any assessments not listed here.

I live here and have the Homeowners' exemption

Home insurance, a yearFrom your policy. We start at $1,492, California statewide average, NAIC data for 2022 as published by the Insurance Information Institute (California figures from the California Department of Insurance).

Earthquake insurance, a yearSeparate from home insurance. Most owners don't have it.

Your use

Water, units a month

On your water bill. 1 unit (CCF) is 748 gallons. A typical Arroyo Grande house uses about 9.5.

Electricity, kWh a month

On your PG&E bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Dec 10in 48 daysLast day to pay the first installment of secured property taxes (due Nov 1) without a 10% penalty.
Apr 10Pay the second installment of secured property taxes at the County Tax Collector's Office by 5:00 p.m., or mail it before midnight, to avoid a 10% penalty plus a cost.

Who serves this house

Water: City of Arroyo Grande; The City's water and wastewater rate study (Table ES-3) lists, for January 1 of FY 25-26, a $35.68 monthly fixed charge for a 5/8-inch meter and variable charges of $5.20, $6.19 and $6.34 per HCF for tiers 0 to 10, 11 to 22 and over 22 units.
Property tax: 1.07% of value; 2025–26 tax year, San Luis Obispo County (tax rate area 001-000)
Garbage: South County Sanitary Service; South County Sanitary Service publishes a 2026 rate table for the City of Arroyo Grande.
Sewer: City of Arroyo Grande; The City's rate study lists wastewater fixed and variable charges.
Electricity: PG&E; PG&E's electric service territory lists Arroyo Grande (ZIP codes 93420, 93421).
Gas: PG&E; PG&E's gas service territory lists Arroyo Grande (ZIP codes 93420, 93421).
Schools: Lucia Mar Unified; Lucia Mar Unified is listed in San Luis Obispo County's tax rate area table for the City of Arroyo Grande.

Pay or manage your bills

Your water

Source: The City's 2022 Urban Water Management Plan says the City delivers both groundwater and surface water through its distribution system.
Wells: The City's 2022 Urban Water Management Plan says the City's well system consists of eight wells.

Other CA cities

How these numbers are made

Tax: the county's 2025-26 rate for tax rate area 001-000 (City of Arroyo Grande, Lucia Mar Unified) is 1.06821%: 1% plus state water 0.00321%, Lucia Mar bonds 0.02600% and 0.02000%, Cuesta College 0.01500% and Lopez Dam 0.00400%, less the $7,000 homeowners' exemption. The county's 2026-27 rate book is not published yet. The starting value is the Census median market value; assessed values under Prop 13 are usually lower.
Water: the City's rates for January 1, FY 25-26, from the rate study table that matches the Council's 2022 rate resolution (base $35.68 for a 5/8-inch meter; tiers 0-10, 11-22 and over 22 HCF). The City bills every two months and the study prices a bill at 19 HCF bi-monthly (about $179.07, which matches 2 x $35.68 + 10 x $5.20 + 9 x $6.19), so the tier limits are halved to 5 and 11 CCF a month and typical use is 19 / 2 = 9.5 CCF. No newer rate schedule was found, so rates after January 2026 may differ.
Sewer and fees: the City's wastewater fixed charge ($3.62 a month) plus $0.99 per HCF of water. The South San Luis Obispo County Sanitation District treatment charge is $30.27 a month for residences, effective July 1, 2026, per the District's Ordinance 2025-01 rate table (9% steps from $25.48, which had applied since July 1, 2019; $27.77 from Sept 1, 2025), and the District's 2025 rate study. The District has no direct customers, so the charge is billed through member agencies such as the City, assumed here to be on the City's wastewater bill. The City's own sewer and water rates are the FY 25-26 schedule; the rate-study period has ended and a new study could raise them. No storm-water fee was found.
Garbage: 2026 monthly rates from South County Sanitary Service's City of Arroyo Grande rate table for one weekly trash pickup with recycling and organics included.
Energy: PG&E E-1 tiers include the $0.79343 daily base charge as 24.13 a month; assumes baseline territory R with a year-round average of summer and winter allowances (PG&E lists R and T areas for the county; Arroyo Grande not verified). Gas is G-1 plus the public purpose surcharge. Typical use is the PG&E average from EIA. Insurance is the California average premium.
Nothing here is legal, tax or insurance advice.

Sources

Common questions about Arroyo Grande house costs

What is the property tax rate in Arroyo Grande?

About 1.07% of the value before exemptions a year (2025–26 tax year, San Luis Obispo County (tax rate area 001-000)), plus flat charges on the same bill.

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

About $5,266 a year on $500,000 of the value before exemptions with the homeowners' exemption.

How much is the water bill in Arroyo Grande?

About $133 a month for water and sewer at typical use (9.5 units, or 7,106 gallons a month) on City of Arroyo Grande.

How much does trash pickup cost in Arroyo Grande?

$29 to $47 a month, depending on the trash cart size (32-gallon cart (rate effective 1/1/2026), 64-gallon cart (rate effective 1/1/2026), 96-gallon cart (rate effective 1/1/2026)).

When is property tax due in Arroyo Grande?

Dec 10: Last day to pay the first installment of secured property taxes (due Nov 1) without a 10% penalty. Apr 10: Pay the second installment of secured property taxes at the County Tax Collector's Office by 5:00 p.m., or mail it before midnight, to avoid a 10% penalty plus a cost.

Where can I get help paying utility bills in Arroyo Grande?

Income-qualified households: PG&E CARE or FERA: CARE takes 30–35% off electricity for income-qualified households; FERA takes 18% off for incomes slightly above the CARE limit. Apply with PG&E; application forms are also available through community agencies.

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

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