Elk Grove, CA · Updated Oct 2026

What a Elk Grove 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 Elk Grove house

$13,105a year · $1,092 a month

Starts at the typical market value, $630,100; your assessed value is often lower. Typical use.

Shopping for home insurance?

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

Compare insurers' prices

A Elk Grove house at the typical market value ($630,100) costs about $13,100 a year: $6,520 property tax and charges, $1,950 water and sewer, $440 trash, $2,710 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:

Switch to the 32-gallon cart cartUp to $60 a year
Your cart costs $37 a month; the smallest costs $32. Worth it if you rarely fill it.
How: Residential customer service: 916.635.2500.
Homeowners' exemption
The California Constitution provides a $7,000 reduction in the taxable value for a qualifying owner-occupied home.
How: File the claim with the county assessor where the property is located.
Low-income sewer bill assistance
The Sewer Lifeline Rate Assistance Program provides income-eligible customers an opportunity to save money on their sewer bill.
How: Call (916) 875-5500.
Bulk item pickup
The Elk Grove rate includes bulk item pickup: 3 per year (up to 5 cubic yards).
How: Bulk pickups are included in the Elk Grove rate; 3 per year, up to 5 cubic yards.
Seniors, blind or disabled: property tax postponement
Senior citizens, blind or disabled persons can file affidavit and claim forms for property tax postponement for the current year.

Adjust to match your bills

What you knowTrash cartRates effective July 1, 2025; includes weekly trash, biweekly recycling and weekly organics. The city's notice proposed a 3% increase (64-gallon cart to $37.64) after a June 10, 2026 hearing, so current bills may be about 3% higher.

Value before exemptionsThis starting value is the Census median home value, not an assessed value. Enter the assessed value from your tax bill: under Prop 13 it is often far below what the house would sell for.

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.

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 SMUD bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

May 15 – Dec 10todaySenior citizens, blind or disabled persons: affidavit and claim forms for property tax postponement for the current year.
Dec 10in 36 daysDeadline to pay the first installment of secured property taxes without penalties.
Apr 10Deadline to pay the second installment of secured property taxes without penalties.

Who serves this house

Water: Elk Grove Water District; Applies to Elk Grove Water District customers. Rates effective January 1, 2026; fixed charge is for the smallest meter listed (1").
Property tax: 1.05% of value; 2025-26 tax year, Sacramento County (Elk Grove tax rate areas 07-001 to 07-004 and others, 1.0457% in all)
Garbage: Republic Services; Weekly trash, biweekly recycling and weekly organics pickup.
Sewer: Sacramento Area Sewer District (SacSewer); Monthly sewage collection and treatment charges per equivalent single-family dwelling.
Electricity: SMUD; Electricity is provided by the Sacramento Municipal Utility District.
Gas: PG&E; Natural gas service is supplied by Pacific Gas and Electric.

Pay or manage your bills

Your water

Service area: We serve Elk Grove Residents in the area roughly between Sheldon Road, Highway 99, and Grant Line Road.

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How these numbers are made

Water: Elk Grove Water District 2026 rates, smallest listed meter (1"): $67.16 fixed and $2.36/$3.50 per CCF (0-30, over 30 CCF). EGWD serves the area roughly between Sheldon Road, Highway 99 and Grant Line Road (about 13,000 connections); most newer parts of Elk Grove (Laguna, Vineyard and others) are served by the Sacramento County Water Agency (Zone 40/41), whose metered rates and $28.80 monthly capital development fee in Zone 40 could not be sourced from a readable document, so they are not modeled.
Sewer: SacSewer collection $27.35 plus treatment and resource recovery $47.00 a month per equivalent single-family dwelling (rates effective 7/1/2026).
Garbage: Republic Services rates effective July 1, 2025 (city notice: 32-gal $31.51, 64-gal $36.54, 96-gal $46.66). The same city page lists a proposed 3% increase (32-gal $32.46, 64-gal $37.64, 96-gal $48.06) with a public hearing June 10, 2026; adoption was not confirmed from an official source, so the 2025 table is used and bills may be about 3% higher.
Property tax: Sacramento County 2025-26 rate book, Elk Grove tax rate areas 07-001 to 07-004: 1% plus Los Rios and Elk Grove Unified bonds (1.0457% total). Many Elk Grove neighborhoods also pay Mello-Roos community facilities district special taxes and other direct charges that vary by tract and are not included. The starting value is the Census median home value (market), not an assessed value.
Electricity: SMUD Fixed Rate RF01 weighted 4 months at $0.2189 and 8 months at $0.1371 per kWh; typical use is SMUD's EIA 2024 average residential use. Gas: PG&E Schedule G-1 plus the residential public purpose surcharge. Insurance: California statewide average (2022). The electric rate is a derived annual blend; actual bills swing by season.
Nothing here is legal, tax or insurance advice.

Sources

How Elk Grove compares

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

Per year	Elk Grove	Median	Where it falls
Property tax rate	1.05%	1.13%	lower than 270 of the other 284 California cities we cover
Water	$1,061	$927	higher than 196 of the other 284 California cities we cover
Sewer and utility-bill fees	$892	$596	higher than 154 of the other 196 California cities we cover
Trash	$438	$452	lower than 145 of the other 267 California cities we cover
Electricity and gas	$2,706	$3,421	lower than 260 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	$13,105	$14,432	lower than 175 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. Property tax rate

The fact: Elk Grove's property tax rate is 1.05%, lower than 270 of the other 284 California cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Elk Grove is 1.05%, lower than 270 of the other 284 California cities we cover. What should that money pay for first, and would you change anything about how it is set?"

2. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $892 a year, higher than 154 of the other 196 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 $892 a year, higher than 154 of the other 196 California cities we cover. What drives that cost, and would you change anything?"

3. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,706 a year, lower than 260 of the other 284 California cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,706 a year for a typical house, lower than 260 of the other 284 California cities we cover. Which parts of that can the city influence, and what would you do about them?"

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Common questions about Elk Grove house costs

What is the property tax rate in Elk Grove?

About 1.05% of the value before exemptions a year (2025-26 tax year, Sacramento County (Elk Grove tax rate areas 07-001 to 07-004 and others, 1.0457% in all)), plus flat charges on the same bill.

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

About $5,155 a year on $500,000 of the value before exemptions with the homeowners' exemption.

How much is the water bill in Elk Grove?

About $163 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on Elk Grove Water District.

How much does trash pickup cost in Elk Grove?

$32 to $47 a month, depending on the trash cart size (32-gallon cart, 64-gallon cart, 96-gallon cart).

When is property tax due in Elk Grove?

Dec 10: Deadline to pay the first installment of secured property taxes without penalties. Apr 10: Deadline to pay the second installment of secured property taxes without penalties.

Can seniors lower their property tax or bills in Elk Grove?

Yes. Seniors, blind or disabled: property tax postponement: Senior citizens, blind or disabled persons can file affidavit and claim forms for property tax postponement for the current year.

Where can I get help paying utility bills in Elk Grove?

Low-income sewer bill assistance: The Sewer Lifeline Rate Assistance Program provides income-eligible customers an opportunity to save money on their sewer bill. Call (916) 875-5500.

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

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