Cypress, CA · Updated Oct 2026

What a Cypress 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 Cypress house

$16,931a year · $1,411 a month

Starts at the typical market value, $913,900; your assessed value is often lower. Typical use.

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Insurers charge very different prices for the same house and coverage. California's free premium survey lists each insurer's price.

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A Cypress house at the typical market value ($913,900) costs about $16,900 a year: $10,520 property tax and charges, $990 water, $370 trash, $3,560 electricity and gas, $1,490 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 28, 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: CARE discount on SCE and SoCalGas30-35% off electric, 20% off gas
Low-income customers enrolled in CARE get a 30-35% discount on their electric bill and 20% on their natural gas bill.
How: Contact SCE or SoCalGas, or apply on their websites.
Income slightly above CARE limits: FERA electric discount18% off electric
Families whose income slightly exceeds the CARE limits may qualify for FERA, an 18% discount on electricity bills.
How: To request an application form, contact your utility company or visit its website.

Adjust to match your bills

What you know

Value before exemptionsUnder Prop 13 your assessed value starts at your purchase price and can rise at most 2% a year, so it is often far below market: use the assessed value on your tax bill.

I live here and have the Homeowners' exemption

Home insurance, a yearFrom your policy. We start at $1,492, NAIC data via 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 house uses 7–12.

Electricity, kWh a month

On your Southern California Edison bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Nov 30, 2026in 26 daysLast day to file a 2026 regular assessment appeal in Orange County (filing runs July 2 to November 30 at 5:00 p.m.).
Dec 10in 36 daysFirst property tax installment (due Nov 1) is delinquent after Dec 10: 10% penalty.
Feb 15in 103 daysLast day for a first-time homeowners' exemption claim to get the full exemption for the year.
Apr 10Second property tax installment (due Feb 1) is delinquent after Apr 10, or the next business day if Apr 10 falls on a weekend or legal holiday: 10% penalty plus $23 per bill.

Who serves this house

Water: Golden State Water (West Orange County system); Residential metered service schedule R3-1-R, effective January 1, 2026: $36.76 a month service charge for a 5/8 x 3/4-inch meter and quantity rates of $4.921, $5.659 and $6.508 per Ccf. A surcharge of $0.147 per Ccf applies to metered customers not receiving the CAP credit; a surcharge of $0.0060 per Ccf is added from April 3, 2026.
Property tax: 1.12% of value; 2026-27 tax year, Orange County (tax rate areas such as 19-002)
Garbage: Valley Vista Services; The City of Cypress contracts with Valley Vista Services for residential trash, recycling and organics collection.
Electricity: Southern California Edison; Cypress is listed among SCE service territory cities.
Gas: SoCalGas; Southern California Gas Company serves natural gas in Cypress, Orange County.

Pay or manage your bills

Other CA cities

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How these numbers are made

Individual bills are confidential in California, so we calculate yours from public rates and what you tell us.
Water (Golden State Water, West Orange County system, schedule R3-1-R effective Jan 1, 2026): $36.76 a month service charge for a 5/8 x 3/4-inch meter; quantity rates $4.921 (first 12 Ccf), $5.659 (next 32 Ccf), $6.508 (over 44 Ccf) plus the $0.147 per Ccf surcharge and the $0.0060 per Ccf surcharge effective April 3, 2026. Other temporary surcharges in the tariff footnotes and the Schedule UF reimbursement fee are not added.
Sewer: OC San's $397 regional fee for a single family residence (2026-27) is on the property tax bill. Cypress's own sewers are maintained by the City; we did not find a published city sewer charge for single-family homes, so none is counted.
Trash: Valley Vista Services $31.05 a month for the three-cart residential service from July 1, 2026; the City adds a 1.5% fee on top that we do not add to the total.
Property tax: Orange County 2026-27 rate book, tax rate areas such as 19-002 (Cypress School District, Anaheim Union High, North Orange County CCD, MWDOC), 1.11632% in total, less the $7,000 homeowners' exemption. One Cypress rate area (19-001) totals 1.11374% and others differ; we did not count homes per area. Prop 13 assessed values are often below the Census market median used as the starting value. Other county direct charges (e.g. vector control) were not checked.
Electricity: SCE with its generation rate (SCE/OCPA comparison, June 1, 2026) plus the $24.15 base services charge; gas: SoCalGas August 2026 typical bill at 35 therms.
Nothing here is legal, tax or insurance advice.

Sources

How Cypress compares

A typical Cypress house against the 285 California cities we cover, using the same default numbers as the total above.

Per year	Cypress	Median	Where it falls
Property tax rate	1.12%	1.13%	lower than 169 of the other 284 California cities we cover
Water	$989	$927	higher than 168 of the other 284 California cities we cover
Trash	$373	$452	lower than 205 of the other 267 California cities we cover
Electricity and gas	$3,556	$3,421	higher than 176 of the other 284 California cities we cover
Home insurance	$1,492	$1,492	lower than 1 of the other 272 California cities we cover
Total	$16,931	$14,432	higher than 202 of the other 284 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. Trash

The fact: Trash pickup here costs about $373 a year for the standard cart, lower than 205 of the other 267 California cities we cover. Where trash is billed through the tax bill or a separate hauler, it is not counted here.

Ask: "Trash pickup here costs about $373 a year for the standard cart, lower than 205 of the other 267 California cities we cover. What drives that cost, and would you change anything about the service or the price?"

See who is running in your city →

Common questions about Cypress house costs

What is the property tax rate in Cypress?

About 1.12% of the value before exemptions a year (2026-27 tax year, Orange County (tax rate areas such as 19-002)), plus flat charges on the same bill (OC San regional sewer service fee $397).

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

About $5,900 a year on $500,000 of the value before exemptions with the homeowners' exemption, including $397 of flat charges.

How much is the water bill in Cypress?

About $82 a month for water at typical use (9 units, or 6,732 gallons a month) on Golden State Water (West Orange County system).

How much does trash pickup cost in Cypress?

$31 a month for a house.

When is property tax due in Cypress?

Dec 10: First property tax installment (due Nov 1) is delinquent after Dec 10: 10% penalty. Apr 10: Second property tax installment (due Feb 1) is delinquent after Apr 10, or the next business day if Apr 10 falls on a weekend or legal holiday: 10% penalty plus $23 per bill.

Where can I get help paying utility bills in Cypress?

Low income: CARE discount on SCE and SoCalGas: Low-income customers enrolled in CARE get a 30-35% discount on their electric bill and 20% on their natural gas bill. Contact SCE or SoCalGas, or apply on their websites.

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

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