Half Moon Bay, CA · Updated Oct 2026

What a Half Moon Bay 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 Half Moon Bay house

$25,201a year · $2,100 a month

Starts at the typical market value, $1,549,500; your assessed value is often lower. Typical use.

Property tax$17,890
1.160% of $1,549,500, less $7,000 homeowners' exemption
Flat charges on the tax bill$1,581
Sewer $1,344 · Cabrillo Unified School District parcel tax (Measure N) $198 · Mosquito and disease control assessment (Zone A) $27 · SF Bay Restoration Authority parcel tax (Measure AA) $12
Electricity and gas$2,866
374 kWh a month $1,877 · 31.72 therms $989
Water$1,373
5 units (CCF) a month on Coastside County Water District: water $114 a month
TrashNot included
Garbage price not confirmed; not counted
Home insurance$1,492
Typical premium $1,492

A Half Moon Bay house at the typical market value ($1,549,500) pays about $25,200 a year: $19,470 property tax and charges, $1,370 water, $2,870 electricity and gas, $1,490 home insurance; trash is billed separately. 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:

Claim the $7,000 homeowners' exemption$7,000 off assessed value
If you own a home and occupy it as your principal place of residence on January 1, you may apply for an exemption of $7,000 from the home's assessed value.
How: File with the San Mateo County Assessor.
Seniors 65+ and SSI/SSDI recipients: Cabrillo parcel tax exemptionUp to $198 a year
Citizens age 65 years and older, as well as individuals with disabilities receiving SSI or SSDI, receiving an exemption from the parcel tax continue to be eligible for an exemption.
How: Applications must be submitted by June 30 every year, per the district.

Adjust to match your bills

What you know

Value before exemptionsThe assessed or appraised value on your tax bill or notice, before exemptions (not the "taxable" line).

I live here and have the Homeowners' exemptionSomeone on the title is 65 or older

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 Half Moon Bay house uses about 5.

Electricity, kWh a month

On your PG&E delivery with WestLight Energy ECOplus generation bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Nov 30in 38 daysLast day to file an appeal of an annual assessment with the Clerk of the Board of Supervisors (the filing period is July 2 to November 30).
Dec 10in 48 daysLast day to pay the first installment of secured property taxes.
Feb 15in 115 daysDeadline for first-time homeowners' exemption claims to get the full exemption for the year.
Apr 10Last day to pay the second installment of secured property taxes.

Who serves this house

Water: Coastside County Water District; Monthly base charge for a 5/8 x ¾ inch meter of $41.43 plus $13.30 per hcf for 1-4 hcf, $19.76 for 5-8 hcf and $23.93 for 9 or more hcf, effective January 19, 2026.
Property tax: 1.16% of value; 2025-26 tax rates, San Mateo County (Half Moon Bay tax rate area 017-001); flat charges are the 2026-27 amounts
Sewer: City of Half Moon Bay; The City of Half Moon Bay provides sewer collection service south of Frenchman’s Creek to Miramontes Point Road.
Electricity: WestLight Energy generation, PG&E delivery; Peninsula Clean Energy supplies electricity to Half Moon Bay residents and businesses.
Gas: PG&E; Half Moon Bay (94019) is in PG&E's gas service territory.
Schools: Cabrillo Unified School District; Measure N replaced Measure I and is currently levied at $198 per parcel annually.

Pay or manage your bills

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How these numbers are made

Garbage: the Republic Services page could not be read for current cart rates (undated; figures from an earlier read could not be re-quoted), so no garbage price is counted and the total leaves garbage out.
Water: Coastside County Water District rate schedule effective January 19, 2026 (monthly base charge $41.43; $13.30, $19.76, $23.93 per hcf). The page starts at the district’s own example of 5 hcf a month for an average single-family customer.
Sewer: the City’s 2020 rate notice lists $1,344 a year for a single-family home in 2024-25 ($1,980 with an ADU), the last year in its schedule; we assume that is the amount on the tax bill. No 2025-26 or 2026-27 amount was found, so the real charge is likely higher. This applies to the part of the city south of Frenchman’s Creek; the north part is served by the Granada Sanitary District, which has different charges (not found).
Property tax: San Mateo County 2025-26 rates for tax rate area 017-001, the first Half Moon Bay area in the rate book (not confirmed to be the area with the most homes, so the figures may differ for other parts of the city): 1% general tax, open space 0.0014%, Cabrillo Unified bonds 0.1404%, community college bonds 0.0180%, less the $7,000 homeowners’ exemption. Flat charges: Cabrillo Measure N ($198), mosquito assessment Zone A ($26.80) and Measure AA ($12).
The starting value is the Census ACS 2020-2024 median value of owner-occupied homes in Half Moon Bay ($1,549,500); an owner who bought years ago has a lower assessed value under Prop 13. Electricity and gas use PG&E E-1 and G-1 rates with WestLight Energy generation, as in neighboring San Mateo County cities; insurance is the 2022 California average premium.
Nothing here is legal, tax or insurance advice.

Sources

Common questions about Half Moon Bay house costs

What is the property tax rate in Half Moon Bay?

About 1.16% of the value before exemptions a year (2025-26 tax rates, San Mateo County (Half Moon Bay tax rate area 017-001); flat charges are the 2026-27 amounts), plus flat charges on the same bill (Sewer $1,344, Cabrillo Unified School District parcel tax (Measure N) $198, Mosquito and disease control assessment (Zone A) $27, SF Bay Restoration Authority parcel tax (Measure AA) $12).

How much is property tax on a $500,000 house in Half Moon Bay?

About $7,299 a year on $500,000 of the value before exemptions with the homeowners' exemption, including $1,581 of flat charges.

How much is the water bill in Half Moon Bay?

About $114 a month for water at typical use (5 units, or 3,740 gallons a month) on Coastside County Water District.

How much does trash pickup cost in Half Moon Bay?

Garbage price not confirmed; not counted

Can seniors lower their property tax or bills in Half Moon Bay?

Yes. Seniors 65+ and SSI/SSDI recipients: Cabrillo parcel tax exemption (up to $198 a year): Citizens age 65 years and older, as well as individuals with disabilities receiving SSI or SSDI, receiving an exemption from the parcel tax continue to be eligible for an exemption.

How much does a house in Half Moon Bay cost to run each year?

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