Encinitas, CA · Updated Oct 2026

What a Encinitas 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 Encinitas house

$23,812a year · $1,984 a month

Starts at the typical market value, $1,646,800; your assessed value is often lower. Typical use.

A Encinitas house at the typical market value ($1,646,800) pays about $23,800 a year: $18,430 property tax and charges, $1,140 water, $370 trash, $2,380 electricity, $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:

CARE households: 20% off gas20% off gas
Customers enrolled in the California Alternate Rates for Energy (CARE) program receive a 20% discount on their SDG&E natural gas bill.
How: See SDG&E discount programs at sdge.com/assistance.
Lower generation rate: PowerBase instead of PowerOn$0.12710 vs $0.13808 per kWh
The PowerOn standard residential generation rate is $0.13808 per kWh and PowerBase is $0.12710 per kWh.
How: See sdcommunitypower.org.

Adjust to match your bills

What you know

Value before exemptionsUnder Prop 13 your assessed value is usually below market value if you bought years ago: enter the assessed value from your tax bill. Cardiff-by-the-Sea homes (Cardiff School District) pay a slightly different rate, and some neighborhoods pay Mello-Roos or lighting and landscaping assessments not included here: check the fixed charges on your bill.

I live here and have the Homeowners' exemption

Home insurance, a yearFrom your policy. We start at $1,492, California statewide average, 2022 (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 SDG&E delivery with San Diego Community Power generation bill. An electric car adds about 300 kWh.

Money dates

Dec 10in 48 daysFirst property tax installment delinquent after close of business; 10% penalty after that.
Feb 15in 115 daysHomeowners' exemption deadline for the full exemption (about $70); late filings through December 10 get 80%.
Apr 10Second installment payment deadline; 10% penalty plus $10 cost added to payments made after this date.

Who serves this house

Water: Depends on your address; San Dieguito Water District (City of Encinitas Utilities Department) and Olivenhain Municipal Water District
Property tax: 1.08% of value; 2025-26 tax year, San Diego County (tax rate areas 19080 to 19999)
Garbage: EDCO; The City of Encinitas has an exclusive franchise agreement with EDCO for residential and commercial solid waste collection
Sewer: Encinitas Sanitary Division; Sewer service charges in the Encinitas Sanitary Division are billed on the annual property tax bill
Electricity: SDG&E delivery with San Diego Community Power generation; San Diego Community Power residential rates apply to customers in Chula Vista, Encinitas, Imperial Beach, La Mesa and San Diego

Pay or manage your bills

Your water

Service area: San Dieguito Water District provides potable (drinking) water services to the communities of Cardiff, Old Encinitas, Leucadia, and a portion of New Encinitas; other parts of Encinitas are served by the Olivenhain Municipal Water District.

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How these numbers are made

Individual bills are not public, so we calculate yours from public rates and what you tell us.
Property tax: the 1% levy plus the voter-approved school (Encinitas Union .03691, San Dieguito Union High .02003, MiraCosta .01140 per $100) and Metropolitan Water District (.007 per $100) rates for fiscal year 2025-26 (total 1.07534, the most common tax rate area range in the city that we found); the 2026-27 rate book was not yet published on October 22, 2026. Cardiff homes pay the Cardiff School District instead of the Encinitas Union rate. The starting value is the Census market median, not an assessed value. Assessed value is usually well below the market median for long-time owners, so most bills will be lower than the estimate: enter your assessed value.
Water: San Dieguito Water District serves Cardiff, Old Encinitas, Leucadia and part of New Encinitas; Olivenhain MWD serves the other parts. Bi-monthly SDWD charges and tier blocks are halved to monthly; the OMWD fixed charge is its system access charge plus the SDCWA infrastructure access charge for a 5/8-inch meter.
Sewer: Encinitas Sanitary Division charges are on the property tax bill; $781.95 is the FY 2025-26 schedule's single-family figure at an assumed 99.65 HCF a year ($49.52 fixed plus $7.35 per HCF), listed for new connections with no water history, so it is a modelled estimate, not a median of existing homes. It is the latest schedule we could confirm; the FY 2026-27 rate was not found and may be higher. Cardiff Sanitary Division and Leucadia Wastewater District homes pay different rates.
Garbage: $30.98 a month is the EDCO residential rate effective July 1, 2024 from an EDCO comparison table; the city page lists only commercial rates effective July 1, 2025, so the current residential rate may be higher. We could not read a residential July 1, 2025 rate on the city's rates page, so this figure is probably out of date.
Electricity: SDG&E delivery from the TOU-DR1 total rates table (0.32601 + 0.00591 per kWh), the 2021-vintage CCA PCIA ($0.03348; assumed for San Diego Community Power) and the PowerOn standard residential generation rate $0.13808, plus the $0.79343 daily Base Services Charge. Gas is not modelled: no source naming SDG&E gas service for Encinitas was found. The San Diego Community Power board made Power100 (PowerOn plus $0.01 per kWh) the default in Encinitas, so the default adds about $32 a year at this use. The generation rates ($0.13808 PowerOn, $0.12710 PowerBase) are from SDCP's rate sheet effective 1/1/2026; SDCP adopted new rates effective May 1, 2026 that we could not open, so they may differ slightly. SDG&E's delivery total (0.32601) is the same in every season and time-of-use period, so one flat rate is used. Power100 ($0.14780) is the default plan, about $32 a year more than PowerOn.
Insurance: the latest year in the Insurance Information Institute table is 2022 (California average, $1,492); newer premiums are not in it.
Nothing here is legal, tax or insurance advice.

Sources

Common questions about Encinitas house costs

What is the property tax rate in Encinitas?

About 1.08% of the value before exemptions a year (2025-26 tax year, San Diego County (tax rate areas 19080 to 19999)), plus flat charges on the same bill (Sewer $782, County vector control assessment $13).

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

About $6,096 a year on $500,000 of the value before exemptions with the homeowners' exemption, including $795 of flat charges.

How much is the water bill in Encinitas?

About $95 a month for water at typical use (9 units, or 6,732 gallons a month) on San Dieguito Water District.

How much does trash pickup cost in Encinitas?

$31 a month for a house.

When is property tax due in Encinitas?

Dec 10: First property tax installment delinquent after close of business; 10% penalty after that. Apr 10: Second installment payment deadline; 10% penalty plus $10 cost added to payments made after this date.

Where can I get help paying utility bills in Encinitas?

CARE households: 20% off gas: Customers enrolled in the California Alternate Rates for Energy (CARE) program receive a 20% discount on their SDG&E natural gas bill. See SDG&E discount programs at sdge.com/assistance.

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

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