Concord, CA · Updated Oct 2026

What a Concord 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 Concord house

$13,476a year · $1,123 a month

Starts at $500,158 of value before exemptions. Typical use.

Property tax$5,443
1.104% of $500,158, less $7,000 homeowners' exemption
Flat charges on the tax bill$1,070
Sewer $905 · Mt. Diablo USD Mello-Roos special tax (MT D MELLO ROOS) $67 · County stormwater charge (FED STORMWATER A-3) $35 · Concord street lights (CONCORD STREET LTS) $25 · 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) $6 · East Bay regional trails assessment $5 · Mosquito & vector control $5
Electricity and gas$3,705
500 kWh a month $2,726 · 31.72 therms $979
Water$1,051
8 units (CCF) a month on Contra Costa Water District (CCWD): water $88 a month
Trash$714
32-gal garbage cart, $60 a month
Home insurance$1,492
Typical premium $1,492

A typical Concord house pays about $13,500 a year: $6,510 property tax and charges, $1,050 water, $710 trash, $3,710 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:

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.
Seniors 65+, low income: MDRR 32-gallon rate$45.65 a month for a 32-gallon cart
MDRR offers a 32-gallon garbage cart for $45.65 per month to customers who are 65 or older with an income that meets HUD guidelines for Very Low-income for Contra Costa County.
How: Get the application from MDRR at mdrr.com/concord.
Free on-call pickups3 a year
Concord residents may request up to three on-call pickups per calendar year at no additional cost, each up to twelve 32-gallon bags of household garbage or yard waste.
How: Contact MDRR in advance to schedule.
Seniors, blind or disabled: postpone property taxesDefer this year's taxes
The State Controller's Property Tax Postponement program allows homeowners to postpone payment of current-year property taxes on their primary residence.
How: Go to www.ptp.sco.ca.gov for more information.

Adjust to match your bills

What you knowTrash cartMDRR residential rates effective 7/2026. The garbage cart price includes a 64-gallon recycle cart and a 96-gallon organics cart at no additional charge.

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. The CCWD land levy (CC WTR LEVY LAND) follows the land value: it was $1.12 and $6.16 on two sampled bills. Concord's sewer charge is on this bill as well (shown under sewer). Some neighborhoods carry extra lines, and part of the city may be billed by Central San directly instead.

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 Concord house uses about 8.

Electricity, kWh a month

On your PG&E delivery with MCE generation 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 (Concord tax rate area 02002)
Garbage: Mt. Diablo Resource Recovery (MDRR); Mount Diablo Resource Recovery (MDRR) is the franchise hauler for the City of Concord.
Sewer: City of Concord; Sanitary sewer charges are assessed annually by the City and placed on property tax bills.
Electricity: MCE generation, PG&E delivery; MCE is the default provider of electrical power to Concord residences, but still relies on PG&E for billing, transmission, and distribution services.
Gas: PG&E; Pacific Gas and Electric Company provides gas service to Concord residences, businesses, and government agencies.
Schools: Mt. Diablo bonds and Mello-Roos on the tax bill; The tax bill carries Mt. Diablo bond rates (2002, 2010 and 2018 bonds), community college bond rates and a $67 MT D MELLO ROOS special tax.

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 Concord home in tax rate area 02002 (the Concord area with the most single-family parcels, 21,049 of 27,439): 1% plus Mt. Diablo school bonds, community college bonds, BART and East Bay Regional Park District rates, 1.1038% in all. Concord has no city share in its 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 02002, $500,158, before the $7,000 homeowners' exemption; citywide the median is $529,085 (27,439 parcels). Flat charges are taken from a sampled 2026-27 bill in that area; the CCWD land levy differs by parcel, and some neighborhoods carry extra assessments that are not in the totals. The sewer charge, $905.00 on the sampled bills, is counted once, on the tax bill; parts of Concord may be served by Central San instead of the City.
Water: Contra Costa Water District rates effective February 1, 2026: $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 did not find Concord's, so the estimate uses the Zone 1 energy charge, the lowest; a higher zone costs more. Typical use is CCWD's median single-family bimonthly use of 16 units, 8 a month.
Garbage: MDRR's 32-, 64- and 96-gallon garbage cart rates effective 7/2026, which include the recycling and organics carts; the 32-gallon cart is the default. The senior low-income rate is listed as a tip.
Electricity and gas: Concord's city pages name MCE as default electricity provider with PG&E delivery and billing, and PG&E for gas. The estimate is the PG&E E-1 rate with PG&E's generation replaced by MCE Light Green generation ($0.12855) and PG&E's PCIA/franchise-fee charge, with the $0.79343 a day base services charge and territory X baselines (assumed; check yours). Gas is G-1 (October 1, 2026) plus the 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; we found no newer free figure.
Nothing here is legal, tax or insurance advice.

Sources

Common questions about Concord house costs

What is the property tax rate in Concord?

About 1.10% of the value before exemptions a year (2026-27 tax year, Contra Costa County (Concord tax rate area 02002)), plus flat charges on the same bill (Sewer $905, Mt. Diablo USD Mello-Roos special tax (MT D MELLO ROOS) $67, County stormwater charge (FED STORMWATER A-3) $35, Concord street lights (CONCORD STREET LTS) $25).

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

About $6,512 a year on $500,000 of the value before exemptions with the homeowners' exemption, including $1,070 of flat charges.

How much is the water bill in Concord?

About $88 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 Concord?

$60 to $99 a month, depending on the trash cart size (32-gal garbage cart, 64-gal garbage cart, 96-gal garbage cart).

When is property tax due in Concord?

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 Concord?

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 Concord?

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 Concord cost to run each year?

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