Gilroy, CA · Updated Oct 2026

What a Gilroy 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 Gilroy house

$19,452a year · $1,621 a month

Starts at the typical market value, $1,027,400; your assessed value is often lower. Typical use.

Property tax$12,435
1.219% of $1,027,400, less $7,000 homeowners' exemption
Flat charges on the tax bill$125
Valley Water Safe, Clean Water special tax (2026-27) $82 · Mosquito & vector control assessments $31 · SF Bay Restoration Authority Measure AA $12
Electricity and gas$3,414
500 kWh a month $2,435 · 31.72 therms $979
Water and sewer$1,293
9 units (CCF) a month on City of Gilroy: water $52, sewer $55 a month
Trash$694
64-gallon garbage cart (rate in the 2022 franchise schedule), $58 a month
Home insurance$1,492
Typical premium $1,492

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 Gilroy house at the typical market value ($1,027,400) costs about $19,400 a year: $12,560 property tax and charges, $1,290 water and sewer, $690 trash, $3,410 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 garbage cart (rate in the 2022 franchise schedule) cartUp to $209 a year
Your cart costs $58 a month; the smallest costs $40. Worth it if you rarely fill it.
How: Call your garbage hauler.
Homeowners' exemption
If you own and occupy your home as your principal place of residence, you may be eligible for an exemption of up to $7,000 off the dwelling's assessed value.
How: File the claim with the Santa Clara County Assessor.
Two free bulky-item pickups a year
Residential customers with cart service receive two free curbside bulky item collections per year.
How: Call Recology Customer Service at 408.842.3358 to schedule.

Adjust to match your bills

What you knowTrash cartThese are the monthly rates in the city's franchise agreement, effective December 1, 2022 (recycling included). Recology has not published a newer Gilroy price list online, so your current bill may be higher; call 408-842-3358.

Value before exemptionsEnter 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 (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 PG&E delivery with Silicon Valley Clean Energy (SVCE) generation bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Dec 10in 36 daysLast day to pay the first installment of secured property taxes without penalties.
Feb 15in 103 daysFull homeowners' exemption if filed by Feb 15 (claims filed between Feb 16 and Dec 10 get 80% of it).
Apr 10Last day to pay the second installment of secured property taxes without penalties.
Jul 2 – Sep 15Window to file an assessment appeal with the Clerk of the Board of Supervisors.

Who serves this house

Water: City of Gilroy; Monthly fixed charge by meter size (3/4 inch) plus a variable charge per 1,000 gallons (Zone 1), adopted rates for the cycle beginning on or after January 1, 2026.
Property tax: 1.22% of value; 2025-26 tax year, Santa Clara County (tax rate area 002-001); flat charges 2026-27
Garbage: Recology South Valley; Customers have 32, 64, or 96-gallon grey toters.
Electricity: Silicon Valley Clean Energy generation, PG&E delivery; Silicon Valley Clean Energy generation; PG&E delivery.
Gas: PG&E; PG&E gas service.

Pay or manage your bills

Your water

Source: Valley Water charges the City a ground production charge for 100% of the City’s water that is pumped from the ground.
Pass-through: In the event that Valley Water imposes additional charges associated with the pumping of groundwater, the City will implement a passthrough adjustment to customer’s bills no earlier than thirty (30) days after the adjustment has been enacted by Valley Water and noticed to all City customers.

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How these numbers are made

Water: the city's adopted rate schedule (Resolution 2023-62) for the cycle beginning January 1, 2026: $22.80 a month for a 3/4-inch meter plus $4.41 per 1,000 gallons in Zone 1 (the lowest zone), shown as $3.30 per CCF (4.41 x 0.748). Valley Water groundwater pass-through increases and the other pressure zones are not included. The adopted schedule's next step (January 1, 2027) is $24.16 base and $4.68 in Zone 1; sewer $57.45. Zone 1 is the lowest of three zones; the share of homes in each zone is not known. The default water use is the page's fallback of 9 CCF, not a sourced Gilroy typical.
Sewer: the single-family flat monthly charge of $55.24 from the same schedule; no use-based sewer charge.
Tax: 2025-26 rates for tax rate area 002-001, the largest Gilroy area by parcels (64%) per californiapropertytools.com. The parts include the Gilroy Unified 2002 bond (0.0233%), so they add up to the rate book's 1.2147% total (the total excludes the state water project, which is listed separately). Flat charges: Valley Water, vector control and Measure AA. Other city or school direct charges, and any bond measures passed since, are not included.
Electricity: PG&E E-1 tier rates swapped from PG&E generation to SVCE GreenStart generation (0.32561 - 0.12855 + 0.01011 + 0.08006 + 0.03720). Gas: PG&E G-1 plus surcharge.
Garbage: the franchise agreement's rates effective December 1, 2022 are the latest published; treat them as a floor, since Recology adjusts them and the real bill is likely higher. Insurance is a 2022 statewide figure. The tax total uses the Census market median as the default value, not an assessed value.
Nothing here is legal, tax or insurance advice.

Sources

How Gilroy compares

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

Per year	Gilroy	Median	Where it falls
Property tax rate	1.22%	1.13%	higher than 247 of the other 284 California cities we cover
Water	$630	$927	lower than 232 of the other 284 California cities we cover
Sewer and utility-bill fees	$663	$596	higher than 115 of the other 196 California cities we cover
Trash	$694	$452	higher than 239 of the other 267 California cities we cover
Electricity and gas	$3,414	$3,421	lower than 147 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	$19,452	$14,432	higher than 232 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: Gilroy's property tax rate is 1.22%, higher than 247 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 Gilroy is 1.22%, higher than 247 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. Water

The fact: Water here costs about $630 a year at typical use, lower than 232 of the other 284 California cities we cover.

Ask: "Water here costs about $630 a year at typical use, lower than 232 of the other 284 California cities we cover. What drives that cost, and would you change anything?"

3. Trash

The fact: Trash pickup here costs about $694 a year for the standard cart, higher than 239 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 $694 a year for the standard cart, higher than 239 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 Gilroy house costs

What is the property tax rate in Gilroy?

About 1.22% of the value before exemptions a year (2025-26 tax year, Santa Clara County (tax rate area 002-001); flat charges 2026-27), plus flat charges on the same bill (Valley Water Safe, Clean Water special tax (2026-27) $82, Mosquito & vector control assessments $31, SF Bay Restoration Authority Measure AA $12).

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

About $6,133 a year on $500,000 of the value before exemptions with the homeowners' exemption, including $125 of flat charges.

How much is the water bill in Gilroy?

About $108 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on City of Gilroy.

How much does trash pickup cost in Gilroy?

$40 to $76 a month, depending on the trash cart size (32-gallon garbage cart (rate in the 2022 franchise schedule), 64-gallon garbage cart (rate in the 2022 franchise schedule), 96-gallon garbage cart (rate in the 2022 franchise schedule)).

When is property tax due in Gilroy?

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

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

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