Clayton, CA · Updated Oct 2026

What a Clayton 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 Clayton house

$17,269a year · $1,439 a month

Starts at $873,551 of value before exemptions. Typical use.

Property tax$9,565
1.104% of $873,551, less $7,000 homeowners' exemption
Flat charges on the tax bill$1,728
Sewer $905 · Clayton citywide landscape maintenance tax (CLYTN CFD 07-1 LMD) $313 · Clayton GHAD (CLAYTON GHAD; varies by parcel) $305 · Mt. Diablo USD Mello-Roos special tax (MT D MELLO ROOS) $67 · Clayton street lighting (CLAYTON ST LT; varies by parcel) $44 · County stormwater charge (FED STORMWATER A-2) $29 · Clayton park community facilities district (CLYTN CFD 06-1 PRK) $26 · SF Bay Restoration Authority parcel tax (Measure AA) $12 · Emergency medical services charge (EMERGENCY MED B) $10 · CCWD land levy (CC WTR LEVY LAND; varies with land value) $7 · East Bay regional trails assessment $5 · Mosquito & vector control $5
Electricity and gas$3,421
500 kWh a month $2,442 · 31.72 therms $979
Water and sewer$1,063
8 units (CCF) a month on Contra Costa Water District (CCWD): water $88, street sweeping charge on the republic services statement $1 a month
TrashNot included
Billed by Republic Services, not on the property tax bill
Home insurance$1,492
Typical premium $1,492

A typical Clayton house pays about $17,300 a year: $11,290 property tax and charges, $1,060 water and sewer, $3,420 electricity and gas, $1,490 home insurance; trash is billed separately. 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:

Low-income seniors 58+ or disabled: CCWD Lifeline rate50% off the daily service charge
CCWD's lifeline water rate program cuts the daily service charge by 50% for low-income customers over 58, or receiving permanent Social Security disability benefits. A one-person household qualifies with income under $59,400 and a two-person household under $67,900 (as of May 2026).
How: Fill out the Lifeline Water Rate Application Form and mail it to CCWD's Lifeline Program, P.O. Box H20, Concord, CA 94524; questions: 925-688-8000.
Income-qualified households: PG&E CARE or FERA30–35% off electricity
CARE takes 30–35% off electricity and drops the base services charge to $6 a month; FERA takes 18% off for incomes slightly above the CARE limit.
How: Apply with PG&E; application forms are also available through community agencies.
CCWD Lawn to Garden rebate$1 per sq. ft., up to $2,000
CCWD pays $1 per square foot of lawn replaced with water-wise landscaping, up to $2,000 for a single-family home; front and back yards qualify, and at least 300 square feet must be converted.
How: Apply to CCWD before starting: projects underway or completed before CCWD approval are not eligible.
Free on-call cleanups and large item pickups2 garbage + 4 recycling/green waste cleanups a year
Clayton residents may schedule up to two free garbage cleanups and four free recycling/green waste cleanups a year, in addition to unlimited large item pickups.
How: Call Republic Services customer service at 925.685.4711 to schedule.
Seniors, blind or disabled: postpone property taxesDefer this year's taxes
The State Controller's Property Tax Postponement program lets eligible homeowners postpone payment of current-year property taxes on their primary residence.
How: Go to www.ptp.sco.ca.gov, call (800) 952-5661 or email postponement@sco.ca.gov.

Adjust to match your bills

What you know

Value before exemptionsEnter the assessed (net) value from your tax bill: under Prop 13 it is often well below what the house would sell for. Clayton's sewer charge is on this bill as well (shown under sewer). Amounts that differ by parcel on the bills we sampled: the CCWD land levy ($0.75 to $10.54), street lighting ($16.68 to $43.54), stormwater ($20.30 to $49.30) and the GHAD ($304.56 to $341.54, only on bills in the rate area with the most homes). Some neighborhoods carry an extra line, such as Diablo Estates AD ($4,142.06 on one sampled bill).

I live here and have the Homeowners' exemptionSomeone on the title is 65 or older

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 Clayton house uses about 8.

Electricity, kWh a month

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

Gas, therms a month (yearly average)

Money dates

Nov 1in 9 daysFirst property tax installment coupon dated Nov 1, 2026; after Dec 10, 2026 a 10% late-payment penalty is added.
Nov 30, 2026in 38 daysLast day of Contra Costa County's 2026 assessment appeal filing period (opened July 2).
Feb 1in 101 daysSecond installment payable from Feb 1, 2027; after April 12, 2027 a 10% late-payment penalty and a $20 cost are added.
Feb 15in 115 daysLast day for a first-time homeowners' exemption claim to get the full exemption for that year.

Who serves this house

Water: Contra Costa Water District (CCWD); CCWD treated water rates effective February 1, 2026: a service charge of $1.01 a day for a 5/8 inch meter, a usage charge of $6.98 per unit (one hundred cubic feet, HCF) and an energy charge of $0.13 per unit in Zone 1, rising to $2.37 in Zone 8; the energy zone is listed on your bill. Treated water meters are normally read bimonthly
Property tax: 1.10% of value; 2026-27 tax year, Contra Costa County (Clayton tax rate area 13015)
Electricity: PG&E; Pacific Gas and Electric provides gas and electric service in Clayton.
Gas: PG&E; PG&E's gas service territory includes Clayton 94517.
Schools: Mt. Diablo Unified School District; Mt. Diablo Unified School District is listed on the City of Clayton's new-resident page.

Pay or manage your bills

Your water

Source: Nearly every drop of CCWD's water comes from the Sacramento-San Joaquin River Delta; water stored in Los Vaqueros Reservoir can be blended with Delta water.
Lead: CCWD's service line inventories detected no lead service lines in CCWD systems.
PFAS: CCWD has tested for PFAS and has not detected these compounds in its drinking water.
Standards: In 2025 the water CCWD delivered exceeded every drinking water standard set by the state and federal governments.

Other CA cities

How these numbers are made

Tax: bill for a Clayton home in tax rate area 13015 (the Clayton area with the most single-family parcels, 1,184 of 3,374): 1% plus Mt. Diablo school bonds, community college bonds, BART and East Bay Regional Park District rates, 1.1038% in all. Clayton has no city share in its own ad valorem rate line; the city's money comes through the 1% and the flat charges below.
The starting value is the median 2026 assessed value of single-family parcels in rate area 13015, $873,551, before the $7,000 homeowners' exemption. Citywide the median is $799,056 (3,374 parcels). Flat charges and the sewer are taken from a sampled 2026-27 bill in that area; street lighting, GHAD, stormwater and the water levy differ by parcel (see the note under the value), and a few neighborhoods carry extra assessments that are not in the totals.
Sewer: Clayton's residential sewer charge, $905.00 on most sampled bills ($910.30 on two), is on the tax bill and is counted there once. Water: Contra Costa Water District rates effective February 1, 2026, as for neighboring Pleasant Hill: $1.01 a day service charge and $6.98 plus the $0.13 Zone 1 energy charge per unit; the energy zone is on your bill and we could not find Clayton's, so the estimate uses the Zone 1 energy charge, the lowest; a higher zone costs more (up to $2.37 a unit in Zone 8, about $215 a year more at 8 units a month). Typical use is CCWD's median single-family bimonthly use of 16 units, 8 a month.
Garbage: Republic Services bills Clayton homes directly, and we could not find its 2026 cart prices in a document we can cite, so trash is not in the total. The $2 bimonthly street sweeping charge on the Republic statement is counted as $1 a month. Trash is typically an extra monthly bill on top of the total.
Electricity and gas: Clayton's city page names PG&E for both and does not list a community choice provider, so bundled schedule E-1 is used: $0.32561 and $0.40702 per kWh and the $0.79343 a day base services charge, with territory X baselines (assumed for Clayton; check yours). Gas is G-1 (October 1, 2026) $2.42480 and $2.92792 per therm plus the $0.12103 public purpose surcharge. Typical use is EIA's California residential average. No city utility tax was found. Insurance is the 2022 California average homeowners premium. It is from 2022 and we found no newer free figure; premiums have likely changed since.
Nothing here is legal, tax or insurance advice.

Sources

How Clayton compares

A typical Clayton house against the 110 California cities we cover, using the same default numbers as the total above.

Per year	Clayton	Median	Where it falls
Property tax rate	1.10%	1.13%	lower than 78 of the other 109 California cities we cover
Water	$1,051	$955	higher than 71 of the other 109 California cities we cover
Sewer and utility-bill fees	$12	$584	lower than 76 of the other 76 California cities we cover
Electricity and gas	$3,421	$3,556	lower than 75 of the other 109 California cities we cover
Home insurance	$1,492	$1,492	in the middle of 108 other California cities we cover
Total	$17,269	$15,240	higher than 78 of the other 109 California 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 $12 a year, lower than 76 of the other 76 California 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 $12 a year, lower than 76 of the other 76 California cities we cover. What drives that cost, and would you change anything?"

See who is running in your city →

Common questions about Clayton house costs

What is the property tax rate in Clayton?

About 1.10% of the value before exemptions a year (2026-27 tax year, Contra Costa County (Clayton tax rate area 13015)), plus flat charges on the same bill (Sewer $905, Clayton citywide landscape maintenance tax (CLYTN CFD 07-1 LMD) $313, Clayton GHAD (CLAYTON GHAD; varies by parcel) $305, Mt. Diablo USD Mello-Roos special tax (MT D MELLO ROOS) $67).

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

About $7,169 a year on $500,000 of the value before exemptions with the homeowners' exemption, including $1,728 of flat charges.

How much is the water bill in Clayton?

About $89 a month for water at typical use (8 units, or 5,984 gallons a month) on Contra Costa Water District (CCWD).

How much does trash pickup cost in Clayton?

Billed by Republic Services, not on the property tax bill

When is property tax due in Clayton?

Nov 1: First property tax installment coupon dated Nov 1, 2026; after Dec 10, 2026 a 10% late-payment penalty is added. Feb 1: Second installment payable from Feb 1, 2027; after April 12, 2027 a 10% late-payment penalty and a $20 cost are added.

Can seniors lower their property tax or bills in Clayton?

Yes. Low-income seniors 58+ or disabled: CCWD Lifeline rate: CCWD's lifeline water rate program cuts the daily service charge by 50% for low-income customers over 58, or receiving permanent Social Security disability benefits. A one-person household qualifies with income under $59,400 and a two-person household under $67,900 (as of May 2026).

Where can I get help paying utility bills in Clayton?

Low-income seniors 58+ or disabled: CCWD Lifeline rate: CCWD's lifeline water rate program cuts the daily service charge by 50% for low-income customers over 58, or receiving permanent Social Security disability benefits. A one-person household qualifies with income under $59,400 and a two-person household under $67,900 (as of May 2026). Fill out the Lifeline Water Rate Application Form and mail it to CCWD's Lifeline Program, P.O. Box H20, Concord, CA 94524; questions: 925-688-8000.

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

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