Galt, CA · Updated Oct 2026

What a Galt 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 Galt house

$11,757a year · $980 a month

Starts at the typical market value, $487,500; 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 Galt house at the typical market value ($487,500) costs about $11,800 a year: $5,300 property tax and charges, $1,640 water and sewer, $620 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 38-gallon trash cart cartUp to $83 a year
Your cart costs $52 a month; the smallest costs $45. Worth it if you rarely fill it.
How: To order additional carts or change cart sizes, contact the City of Galt finance department at (209) 366-7150.
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.
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 March 1, 2026; each includes a 96-gallon recycling cart and a 96-gallon greenwaste cart. The 96-gallon option is one 96-gallon trash cart.

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: City of Galt; 2026 monthly rates; the fixed charge is for the smallest meter listed (1" meter or less).
Property tax: 1.10% of value; 2026-27 tax year, Sacramento County (Galt tax rate areas 005-001 to 005-0xx, 1.10300272% in all)
Garbage: Cal-Waste; Weekly trash; recycling and yard/greenwaste (96-gal carts) collected every other week on alternating weeks, per the City of Galt 2026 solid waste rate schedule effective 3/1/2026.
Sewer: City of Galt; Single-family wastewater: $97.85 total monthly charge.
Electricity: SMUD; SMUD is the electric utility provider for the City of Galt.
Gas: PG&E; Galt zip code 95632 is listed in PG&E's gas service territory.

Pay or manage your bills

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How these numbers are made

Water: City of Galt 2026 monthly rates, smallest listed meter (1" or less) $28.06 fixed, $0.88 per CCF up to 9 CCF and $1.62 over 9 CCF. Sewer: $97.85 flat monthly single-family charge (effective Jan 1, 2026). Stormwater: $2.43 monthly Tier I single-family rate; designated new development (Tier II) pays $7.58.
Garbage: Cal-Waste rates adopted by the City, effective 3/1/2026; the 64-gallon trash cart with recycling and greenwaste carts, $52.03, is the default.
Property tax: Sacramento County 2026-27 rate book, Galt tax rate areas 005-001 to 005-059 (all total 1.10300272%): 1% plus Galt elementary and high school bonds and San Joaquin Delta College bonds. About 3,500 parcels also pay the Northeast Galt L&L charge and others pay Mello-Roos or other direct levies that vary by tract; they are not included. The starting value is the Census median home value (market), not an assessed value.
Electricity: SMUD Fixed Rate RF01 (the alternative to the Time-of-Day rate RT02, which also charges $27.00 fixed from Jan 1, 2026 but varies by hour; it is priced here on the fixed plan because the share of use at peak hours is household-specific) 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.
Nothing here is legal, tax or insurance advice.

Sources

How Galt compares

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

Per year	Galt	Median	Where it falls
Property tax rate	1.10%	1.13%	lower than 197 of the other 284 California cities we cover
Water	$432	$927	lower than 268 of the other 284 California cities we cover
Sewer and utility-bill fees	$1,203	$596	higher than 184 of the other 196 California cities we cover
Trash	$624	$452	higher than 222 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	$11,757	$14,432	lower than 216 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. Water

The fact: Water here costs about $432 a year at typical use, lower than 268 of the other 284 California cities we cover.

Ask: "Water here costs about $432 a year at typical use, lower than 268 of the other 284 California cities we cover. What drives that cost, and would you change anything?"

2. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $1,203 a year, higher than 184 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 $1,203 a year, higher than 184 of the other 196 California cities we cover. What drives that cost, and would you change anything?"

3. Trash

The fact: Trash pickup here costs about $624 a year for the standard cart, higher than 222 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 $624 a year for the standard cart, higher than 222 of the other 267 California cities we cover. What drives that cost, and would you change anything about the service or the price?"

4. 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 Galt house costs

What is the property tax rate in Galt?

About 1.10% of the value before exemptions a year (2026-27 tax year, Sacramento County (Galt tax rate areas 005-001 to 005-0xx, 1.10300272% in all)), plus flat charges on the same bill.

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

About $5,438 a year on $500,000 of the value before exemptions with the homeowners' exemption.

How much is the water bill in Galt?

About $136 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on City of Galt.

How much does trash pickup cost in Galt?

$45 to $81 a month, depending on the trash cart size (38-gallon trash cart, 64-gallon trash cart, 96-gallon trash cart).

When is property tax due in Galt?

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 Galt?

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.

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

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