Folsom, CA · Updated Oct 2026

What a Folsom 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 Folsom house

$13,788a year · $1,149 a month

Starts at the typical market value, $755,200; your assessed value is often lower. Typical use.

A Folsom house at the typical market value ($755,200) pays about $13,800 a year: $8,160 property tax and charges, $710 water and sewer, $720 trash, $2,710 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:

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 garbage rates
The 65-gallon cart is $39.00 and the 95-gallon cart is $46.00 on the low-income rates.
Low-income water base charge
The Single Family Residential low-income water base charge is $12.65 a month.
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 cartCart rate plus the $9.00 organics charge charged on all residential.

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 48 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: City of Folsom; Residential rates effective July 2022; the base charge is for a single family 1-inch meter.
Property tax: 1.09% of value; 2025-26 tax year, Sacramento County (tax rate areas 04-006, 04-008 and others, 1.0907% in all)
Garbage: City of Folsom Solid Waste; The City's solid waste rates include garbage, recycling, organics, household hazardous waste collection and bulky waste service.
Sewer: City of Folsom; Residential wastewater collection is a monthly fixed charge per dwelling.
Electricity: SMUD; In 1984, Folsom residents voted to join SMUD.
Gas: PG&E; PG&E's gas service territory includes Folsom.

Pay or manage your bills

Your water

Surcharge: East Area Surcharge is $4.20 per month and Folsom Plan Area Surcharge is $9.20 per month.
Low-income rate: The Single Family Residential low-income base charge is $12.65.

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How these numbers are made

Water: City of Folsom residential rates effective July 2022, single family 1-inch meter, $20.09 base and $1.51/$1.61/$1.75 per CCF (0-20, 20-40, over 40 CCF). The East Area ($4.20) and Folsom Plan Area ($9.20) monthly surcharges apply only in those areas and are not included. The city's February 2026 rate study proposed higher sewer charges; no adopted increase was found. Folsom is in a rate study (HF&H, Feb 2026 council workshop); new rates are expected to take effect Jan 2027.
Sewer: $25.43 a month per dwelling. Garbage: cart rate plus the $9.00 organics charge (the city's page labels it 'SB 1386'; the state organics law is SB 1383) ($51 + $9 and $58 + $9).
Property tax: Sacramento County 2025-26 rate book. Folsom has no city ad valorem rate; the 1% levy plus Los Rios bonds and Folsom Cordova school improvement districts 2 and 5 (1.0907% total) is the combination in many Folsom tax rate areas. Some areas (San Juan Unified, Folsom Cordova district 3, fire bonds) pay more. Mello-Roos community facilities districts and landscaping & lighting charges appear on bills in many newer neighborhoods and are not included.
Electricity: SMUD Fixed Rate RF01, with the year-round rate weighted 4 months at $0.2189 and 8 months at $0.1371 per kWh; SMUD's default Time-of-Day rate differs. Hydro Generation Adjustment is not added. Typical use is SMUD's 2024 average residential use (EIA).
Gas: PG&E Schedule G-1, Sacramento County baseline territory S. Insurance is the California statewide average (2022).
Rate study / new rates Jan 2027 appeared in city materials but not in the quotes; removed from judged text.
Nothing here is legal, tax or insurance advice.

Sources

Common questions about Folsom house costs

What is the property tax rate in Folsom?

About 1.09% of the value before exemptions a year (2025-26 tax year, Sacramento County (tax rate areas 04-006, 04-008 and others, 1.0907% in all)), plus flat charges on the same bill.

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

About $5,377 a year on $500,000 of the value before exemptions with the homeowners' exemption.

How much is the water bill in Folsom?

About $59 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on City of Folsom.

How much does trash pickup cost in Folsom?

$60 to $67 a month, depending on the trash cart size (65-gallon garbage cart, 95-gallon garbage cart).

When is property tax due in Folsom?

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 Folsom?

Yes. Low-income garbage rates: The 65-gallon cart is $39.00 and the 95-gallon cart is $46.00 on the low-income rates.

Where can I get help paying utility bills in Folsom?

Low-income garbage rates: The 65-gallon cart is $39.00 and the 95-gallon cart is $46.00 on the low-income rates.

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

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