Laguna Beach, CA · Updated Oct 2026

What a Laguna Beach 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 Laguna Beach house

$52,060a year · $4,338 a month

Starts at the typical market value, $2,000,001; your assessed value is often lower. Typical use.

Property tax$44,364
2.226% of $2,000,001, less $7,000 homeowners' exemption
Flat charges on the tax bill$1,046
Sewer $1,023 · Metropolitan Water District water standby charge (former Coastal MWD area) $12 · OC Mosquito and Vector Control District: assessment district No. 2 $9 · OC Mosquito and Vector Control District: assessment district No. 1 $2
Electricity and gas$3,556
523 kWh a month $2,729 · 35 therms $827
Water$1,220
9 units (CCF) a month on Laguna Beach County Water District: water $102 a month
Trash$382
65-gallon 3-cart set, $32 a month
Home insurance$1,492
Typical premium $1,492

A Laguna Beach house at the typical market value ($2,000,001) pays about $52,100 a year: $45,410 property tax and charges, $1,220 water, $380 trash, $3,560 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:

Switch to the 35-gallon 3-cart set cartUp to $5 a year
Your cart costs $32 a month; the smallest costs $31. Worth it if you rarely fill it.
How: Call your garbage hauler.
Free bulky item pickups
Residents are provided free bulky item collections four times each calendar year, up to ten items each time.
How: Schedule online through the CR&R Laguna Beach page or call CR&R at (949) 662-3819.

Adjust to match your bills

What you knowTrash cartMaximum monthly rates proposed to take effect July 1, 2026.

Value before exemptionsUnder Prop 13 your assessed value starts at your purchase price and can rise at most 2% a year, so it is often far below market: use the assessed value on your tax bill.

I live here and have the Homeowners' exemption

Home insurance, a yearFrom your policy. We start at $1,492, NAIC data via 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 Southern California Edison bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Nov 30, 2026in 38 daysLast day to file a 2026 regular assessment appeal in Orange County (filing runs July 2 to November 30 at 5:00 p.m.).
Dec 10in 48 daysFirst property tax installment (due Nov 1) is delinquent after Dec 10: 10% penalty.
Feb 15in 115 daysLast day for a first-time homeowners' exemption claim to get the full exemption for the year.
Apr 10Second property tax installment (due Feb 1) is delinquent after Apr 10: 10% penalty plus $23 per bill.

Who serves this house

Water: Laguna Beach County Water District; Rates are for the 3/4-inch meter, the size the District lists as the typical single-family residence.
Property tax: 2.23% of value; 2026-27 tax year, Orange County (Laguna Beach tax rate areas)
Garbage: CR&R; The City of Laguna Beach has an exclusive franchise agreement with CR&R.
Electricity: Southern California Edison; Laguna Beach is on SCE's list of service territory cities.
Gas: SoCalGas; Laguna Beach is on SoCalGas's list of cities served.

Pay or manage your bills

Other CA cities

How these numbers are made

Individual bills are confidential in California, so we calculate yours from public rates and what you tell us.
Property tax: Orange County 2026-27 rate book, Laguna Beach tax rate areas: 1% levy + 0.376% Laguna Beach USD bonds + 0.85% Metropolitan Water District (MWDOC) = 1.0123%. Most Laguna Beach tax rate areas in the book carry this total. The $7,000 homeowners' exemption comes off the value you enter. The starting value is the Census median market value, but the Census caps the median at $2,000,000, so the true median is above $2 million; assessed values under Prop 13 are often far lower.
Sewer (counted once): the city's annual sewer service fee for a single-family unit north of Cardinal Way ($1,022.94, the 2025-26 amount in the city's sewer assessment schedule; the 2026-27 amount was not found and may be higher). South of Cardinal Way sewer is provided by South Coast Water District, billed differently and not modeled. The other flat tax-bill charges are the Metropolitan standby charge read as former Coastal MWD territory ($11.60) and the two countywide vector assessments.
Water: Laguna Beach County Water District (bi-monthly bills; 3/4-inch meter $51.23 / 2 = $25.615 a month; Tier 1 $8.45 per unit of 748 gallons = 1 HCF); budget-based Tier 2 for use above the water budget is $11.79 and is not modeled. The District proposed new rates from July 1, 2026 (hearing May 28, 2026); adoption was not confirmed and the District's pages could not be read, so the rates shown are the older published ones and may have changed on July 1, 2026. South Laguna is served by South Coast Water District, not modeled.
Trash: CR&R maximum monthly residential rates proposed for July 1, 2026 (council hearing June 23, 2026); the council's vote and who bills the charge (CR&R or the tax bill) were not confirmed, so the trash charge is an estimate.
Electricity: SCE Domestic with SCE generation plus the $24.15 Base Services Charge. Gas: SoCalGas August 2026 average non-CARE bill less the $0.16-a-day fixed charge over 35 therms. Insurance: 2022 California statewide average; coastal and high-value homes, like many here, can pay much more.
Modelling remarks: the sewer amount is the 2025-26 figure from the city's schedule, not confirmed for 2026-27. The Census median of $2,000,001 is top-coded, so the true median is likely above $2 million.
Nothing here is legal, tax or insurance advice.

Sources

Common questions about Laguna Beach house costs

What is the property tax rate in Laguna Beach?

About 2.23% of the value before exemptions a year (2026-27 tax year, Orange County (Laguna Beach tax rate areas)), plus flat charges on the same bill (Sewer $1,023, Metropolitan Water District water standby charge (former Coastal MWD area) $12, OC Mosquito and Vector Control District: assessment district No. 2 $9, OC Mosquito and Vector Control District: assessment district No. 1 $2).

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

About $12,020 a year on $500,000 of the value before exemptions with the homeowners' exemption, including $1,046 of flat charges.

How much is the water bill in Laguna Beach?

About $102 a month for water at typical use (9 units, or 6,732 gallons a month) on Laguna Beach County Water District.

How much does trash pickup cost in Laguna Beach?

$31 to $32 a month, depending on the trash cart size (35-gallon 3-cart set, 65-gallon 3-cart set, 95-gallon 3-cart set).

When is property tax due in Laguna Beach?

Dec 10: First property tax installment (due Nov 1) is delinquent after Dec 10: 10% penalty. Apr 10: Second property tax installment (due Feb 1) is delinquent after Apr 10: 10% penalty plus $23 per bill.

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

All California cities All cities