Healdsburg, CA · Updated Oct 2026

What a Healdsburg 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 Healdsburg house

$18,608a year · $1,551 a month

Starts at the typical market value, $950,100; your assessed value is often lower. Typical use.

Property tax$10,615
1.126% of $950,100, less $7,000 homeowners' exemption
Flat charges on the tax bill$196
Marin/Sonoma mosquito & vector control (Zone 2) $34 · North Sonoma County Hospital District $150 · SF Bay Restoration Authority parcel tax (Measure AA) $12
Electricity and gas$2,641
500 kWh a month $1,662 · 31.72 therms $979
Water and sewer$3,270
7 units (CCF) a month on City of Healdsburg: water $123, sewer $150 a month
Trash$395
32-gal garbage, $33 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.

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A Healdsburg house at the typical market value ($950,100) costs about $18,600 a year: $10,810 property tax and charges, $3,270 water and sewer, $400 trash, $2,640 electricity and gas, $1,490 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 29, 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 20-gal garbage cartUp to $95 a year
Your cart costs $33 a month; the smallest costs $25. Worth it if you rarely fill it.
How: Call your garbage hauler.
Income-qualified households: Recology Cares 20% off20% off garbage
Households in Healdsburg may be eligible for a 20% discount on their Recology bill; participation in the City of Healdsburg's CARE program automatically qualifies a customer.
How: Contact Recology with a copy of your City of Healdsburg energy bill showing CARE participation.
Water and energy rebatesRebates
The City offers water and energy rebates, such as high efficiency clothes washers, efficient cooling systems and lawn conversions.
How: See www.SmartLivingHealdsburg.org for rebate information.
Residential water has three usage tiersTier 3 starts above 10 HCF
Tier 1 pricing is for the first 5 units each month, Tier 2 for the next 5 units and Tier 3 for any usage above 10 units; one unit is about 748 gallons.
How: Tiers apply per monthly billing period.
Sewer charges follow your winter water useBased on winter average
All residential wastewater use charges are based on average winter consumption, calculated each May.
How: Lower winter water use lowers the sewer use charge for the year.

Adjust to match your bills

What you knowTrash cartThe rate is set by the size of the landfilled garbage cart; recycling and compost are free of charge.

Value before exemptionsEnter the net taxable value from your tax bill: under Prop 13 it is often well below what the house would sell for. The mosquito charge varies by parcel ($8.50 to $34.04 on bills we sampled), and some bills carry other charges.

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 Healdsburg house uses about 7.

Electricity, kWh a month

On your City of Healdsburg Electric Department bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Nov 30, 2026in 26 daysLast day of Sonoma County's 2026 assessment appeal filing period (opened July 2).
Feb 1in 89 daysSecond installment is due and becomes delinquent at 5:00 p.m. on April 10.
Feb 15in 103 daysLast day for a first-time homeowners' exemption claim to get the full exemption for that year.
Nov 1First installment of the annual property tax bill is due November 1 and becomes delinquent at 5:00 p.m. on December 10.

Who serves this house

Water: City of Healdsburg; City of Healdsburg water rates from July 1, 2026 (ordinance schedule for fiscal years 2024-25 to 2026-27): a $56.06 monthly service charge for a meter up to 1 inch, plus $8.80 per HCF for the first 5 HCF a month, $11.42 per HCF for over 5 up to 10 HCF and $14.65 per HCF above 10 HCF
Property tax: 1.13% of value; 2026-27 tax year, Sonoma County (Healdsburg tax rate area 002-016)
Garbage: Recology Sonoma Marin; Recology provides weekly curbside collection for garbage, recyclables and compost; recycling and compost are free of charge.
Sewer: City of Healdsburg; Residential wastewater use charges are based on average winter consumption, calculated each May.
Electricity: City of Healdsburg Electric Department; Healdsburg Electric is the City's own electric utility; its D-1 residential schedule applies within Healdsburg's service territory.
Gas: PG&E; Healdsburg (95448) is in PG&E's gas service territory.

Pay or manage your bills

Your water

Source: Surface rights on the Russian River (from Lake Mendocino) make up 80% of the City's water supply.
Pipes: The City has 120 miles of utility pipeline, and 1/3 of pipes are over 50-100 years old.

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How these numbers are made

Garbage: Recology Sonoma Marin's Healdsburg residential cart rates effective 1/1/2026: $24.98 (20 gal), $32.93 (32 gal), $47.08 (64 gal), $63.94 (96 gal); the rate table does not label a period, so it is treated as monthly. Recycling and compost are free of charge. The page starts at the 32-gallon cart.
Water and sewer: City of Healdsburg rates from July 1, 2026 (Ordinance 1240). Water: $56.06 service charge for a meter up to 1 inch plus $8.80 / $11.42 / $14.65 per HCF (tiers at 5 and 10 HCF). Sewer: $69.66 plus $19.98 per HCF on average winter consumption, which the page models as capped at 4 HCF. The default use of 7 HCF of water and 4 HCF winter average come from the City's rate study (billing data for FY 2022-23).
Property tax: Sonoma County 2026-27 rates for tax rate area 002-016, the Healdsburg city tax rate area with the most parcels in the county's recap; other areas differ slightly. The starting value is the Census median value of owner-occupied homes (market value), which is usually above Prop 13 assessed value. Flat charges are from a 2026-27 secured bill in that rate area; the mosquito charge varies by parcel.
Electricity: the City's own D-1 residential schedule (effective November 2026 billing, FY2026-27 column of the adopted schedule); the page uses the 6-month-averaged baseline for Tier 1 and the City's published rates, with state and local taxes added by the City. No city tax on energy bills is modeled. Typical monthly use of 500 kWh is the EIA 2024 average for neighboring PG&E residential customers because the City's own average is not published in that table.
Gas: PG&E schedule G-1 (effective October 1, 2026) in baseline territory X plus the G-PPPS surcharge, weighted across seasonal baselines. Healdsburg is in PG&E's gas territory; most homes can also use electricity only. Typical use is the EIA California residential average.
Nothing here is legal, tax or insurance advice.

Sources

How Healdsburg compares

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

Per year	Healdsburg	Median	Where it falls
Property tax rate	1.13%	1.13%	lower than 149 of the other 284 California cities we cover
Water	$1,475	$927	higher than 260 of the other 284 California cities we cover
Sewer and utility-bill fees	$1,795	$596	higher than 194 of the other 196 California cities we cover
Trash	$395	$452	lower than 180 of the other 267 California cities we cover
Electricity and gas	$2,641	$3,421	lower than 265 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	$18,608	$14,432	higher than 221 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 $1,475 a year at typical use, higher than 260 of the other 284 California cities we cover.

Ask: "Water here costs about $1,475 a year at typical use, higher than 260 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 $1,795 a year, higher than 194 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 $1,795 a year, higher than 194 of the other 196 California cities we cover. What drives that cost, and would you change anything?"

3. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,641 a year, lower than 265 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 $2,641 a year for a typical house, lower than 265 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 Healdsburg house costs

What is the property tax rate in Healdsburg?

About 1.13% of the value before exemptions a year (2026-27 tax year, Sonoma County (Healdsburg tax rate area 002-016)), plus flat charges on the same bill (Marin/Sonoma mosquito & vector control (Zone 2) $34, North Sonoma County Hospital District $150, SF Bay Restoration Authority parcel tax (Measure AA) $12).

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

About $5,745 a year on $500,000 of the value before exemptions with the homeowners' exemption, including $196 of flat charges.

How much is the water bill in Healdsburg?

About $272 a month for water and sewer at typical use (7 units, or 5,236 gallons a month) on City of Healdsburg.

How much does trash pickup cost in Healdsburg?

$25 to $64 a month, depending on the trash cart size (20-gal garbage, 32-gal garbage, 64-gal garbage, 96-gal garbage).

When is property tax due in Healdsburg?

Feb 1: Second installment is due and becomes delinquent at 5:00 p.m. on April 10. Nov 1: First installment of the annual property tax bill is due November 1 and becomes delinquent at 5:00 p.m. on December 10.

Where can I get help paying utility bills in Healdsburg?

Income-qualified households: Recology Cares 20% off: Households in Healdsburg may be eligible for a 20% discount on their Recology bill; participation in the City of Healdsburg's CARE program automatically qualifies a customer. Contact Recology with a copy of your City of Healdsburg energy bill showing CARE participation.

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

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