Laguna Woods, CA · Updated Oct 2026

What a Laguna Woods 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 Woods house

$10,848a year · $904 a month

Starts at the typical market value, $394,600; your assessed value is often lower. Typical use.

Property tax$3,981
1.027% of $394,600, less $7,000 homeowners' exemption
Flat charges on the tax bill$21
Metropolitan Water District water standby charge $10 · OC Mosquito and Vector Control District: mosquito, fire ant and disease control assessment (District No. 2) $9 · OC Mosquito and Vector Control District: vector surveillance and control assessment (District No. 1) $2
Electricity and gas$3,556
523 kWh a month $2,729 · 35 therms $827
Water and sewer$1,499
9 units (CCF) a month on El Toro Water District: water $69, sewer $56 a month
Trash$299
Residential rate, $25 a month
Home insurance$1,492
Typical premium $1,492

A Laguna Woods house at the typical market value ($394,600) pays about $10,900 a year: $4,000 property tax and charges, $1,500 water and sewer, $300 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:

Low income: CARE discount on SCE and SoCalGas30-35% off electric, 20% off gas
Low-income customers enrolled in CARE get a 30-35% discount on their electric bill and 20% on their natural gas bill.
How: Contact SCE or SoCalGas, or apply on their websites.
Income slightly above CARE limits: FERA electric discount18% off electric
Families whose income slightly exceeds the CARE limits may qualify for FERA, an 18% discount on electricity bills.
How: To request an application form, contact your utility company or visit its website.

Adjust to match your bills

What you know

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: El Toro Water District; El Toro Water District rates effective July 1, 2026: a monthly water O&M charge for a 5/8" meter, a monthly R&R charge, and a price per CCF by tier.
Property tax: 1.03% of value; 2026-27 tax year, Orange County (one Saddleback Valley USD tax rate area; other Laguna Woods areas can be lower)
Garbage: CR&R; CR&R collects trash and recycling for the City of Laguna Woods and Laguna Woods Village.
Sewer: El Toro Water District; El Toro Water District provides drinking water, recycled water and wastewater services to all of the City of Laguna Woods.
Electricity: Southern California Edison; Laguna Woods is on the list of cities in Southern California Edison's service territory.
Gas: Southern California Gas Company; Southern California Gas Company serves natural gas in Laguna Woods.

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: tax rate area with the Saddleback Valley USD bonds in the 2026-27 Orange County rate book (1% general levy + 0.01278% + 0.00472% + 0.0012% school bonds + 0.0085% MWDOC = 1.0272%). Laguna Woods has many tax rate areas; some carry only 1.0085% (no school bonds) and some are in Laguna Beach USD; we could not confirm which holds the most homes. The starting value is the Census median market value; most Laguna Woods homes are in Laguna Woods Village (co-op and condo) and assessed values differ.
Water and sewer: El Toro Water District rates effective July 1, 2026: $23.21 + $10.85 a month for a 5/8-inch meter; $3.87 per CCF Tier I (indoor budget) up to 4 people x 55 gallons x 30 days / 748 = 8.82 CCF, then $4.24 Tier II (outdoor). Outdoor budgets are ignored, so heavier use costs more (Tier III $8.09, Tier IV $10.22). Sewer: $42.07 + $13.86 a month, single family.
Trash: CR&R's $24.88 residential rate from the 2025 Orange County trash rate survey, taken as a monthly charge (we could not find a newer figure; the 2023 survey listed a lower rate, so it may have changed); Laguna Woods Village residents may pay through their HOA instead.
Electricity: SCE Domestic with SCE generation $0.38865/kWh 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 is the 2022 California average for a single-family HO-3 policy; condo and co-op owners carry a different policy type (HO-6) and usually pay less. The $0.16-a-day gas fixed charge is dated September 2025 while the per-therm figure is August 2026; we did not find a 2026 fixed charge. Sewer and water use single-family rates; condos and Village units may be billed differently. Mello-Roos taxes and Irvine Ranch Water District land-only rates do not apply to the typical tax area.
Nothing here is legal, tax or insurance advice.

Sources

Common questions about Laguna Woods house costs

What is the property tax rate in Laguna Woods?

About 1.03% of the value before exemptions a year (2026-27 tax year, Orange County (one Saddleback Valley USD tax rate area; other Laguna Woods areas can be lower)), plus flat charges on the same bill (Metropolitan Water District water standby charge $10, OC Mosquito and Vector Control District: mosquito, fire ant and disease control assessment (District No. 2) $9, OC Mosquito and Vector Control District: vector surveillance and control assessment (District No. 1) $2).

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

About $5,085 a year on $500,000 of the value before exemptions with the homeowners' exemption, including $21 of flat charges.

How much is the water bill in Laguna Woods?

About $125 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on El Toro Water District.

How much does trash pickup cost in Laguna Woods?

$25 a month for a house.

When is property tax due in Laguna Woods?

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.

Where can I get help paying utility bills in Laguna Woods?

Low income: CARE discount on SCE and SoCalGas: Low-income customers enrolled in CARE get a 30-35% discount on their electric bill and 20% on their natural gas bill. Contact SCE or SoCalGas, or apply on their websites.

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

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