Lake Elsinore, CA · Updated Oct 2026

What a Lake Elsinore 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 Lake Elsinore house

$13,789a year · $1,149 a month

Starts at the typical market value, $566,000; your assessed value is often lower. Typical use.

Property tax$5,918
1.059% of $566,000, less $7,000 homeowners' exemption
Flat charges on the tax bill$4
Flood control NPDES stormwater assessment (Santa Ana watershed) $4
Electricity and gas$3,603
633 kWh a month $2,776 · 35 therms $827
Water and sewer$2,324
17 units (CCF) a month on Elsinore Valley Municipal Water District: water $118, sewer $76 a month
Trash$449
Single-family residential refuse, recycling and composting service, plus organics, $37 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 Lake Elsinore house at the typical market value ($566,000) costs about $13,800 a year: $5,920 property tax and charges, $2,320 water and sewer, $450 trash, $3,600 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:

Income-qualified: SCE CARE rate32.5% off the electric bill
Through SCE's CARE program, qualifying households receive 32.5% off their electric bills and a Base Services Charge of about $6 a month.
How: Apply with SCE's CARE/FERA online application; no additional documentation is required.
Two free bulky item pickups a year
CR&R allows all Lake Elsinore customers two free pick-up days per year.
How: Schedule online or call CR&R at 951-943-1991.
Free city-wide clean-up events
At least twice a year CR&R holds a free city-wide clean-up event.
How: Residents are sent an entrance notice.

Adjust to match your bills

What you know

Value before exemptionsUnder Prop 13 your assessed value starts at your purchase price and rises at most 2% a year, so it is often far below market: use the assessed value on your tax bill. Many Lake Elsinore homes in newer tracts also pay Mello-Roos (CFD) special taxes and other direct charges; none beyond the flood control assessment is included in the total: check 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 Lake Elsinore house uses about 17.

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 26 daysLast day to file a 2026 regular assessment appeal in Riverside County (filing period July 2 to November 30, 2026).
Dec 10in 36 daysFirst property tax installment is due Nov 1 and becomes delinquent Dec 10; taxes not paid by the delinquent date get a 10% penalty.
Feb 15in 103 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) becomes delinquent Apr 10; a 10% penalty applies to taxes unpaid by the delinquent date.

Who serves this house

Water: Elsinore Valley Municipal Water District; EVMWD bills a variable rate based on the volume of water delivered.
Property tax: 1.06% of value; 2026-27 tax year, Riverside County (Lake Elsinore tax rate areas in Lake Elsinore Unified: 1% levy, Lake Elsinore Unified, Mt. San Jacinto College and MWD West)
Garbage: CR&R Disposal; CR&R Disposal handles trash and waste disposal for Lake Elsinore; call 800-755-8112.
Sewer: Elsinore Valley Municipal Water District (EVMWD); EVMWD provides water and sewer service in Lake Elsinore.
Electricity: Southern California Edison; SCE's Index of Communities lists Lake Elsinore in baseline region 10.
Gas: The Gas Company (SoCalGas); The City's utility page lists The Gas Company, toll-free 800-427-2200, which is the SoCalGas number.

Pay or manage your bills

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How these numbers are made

Individual bills are confidential in California, so we calculate yours from public rates and what you tell us.
Water: EVMWD rates effective July 1, 2026: $25.25 meter charge (3/4") plus $20.24 Capital Replacement Charge a month, tiers $3.23, $5.18 and $5.81 per CCF. Tier sizes (8 and 17 CCF) come from EVMWD's own 4-person sample bill, which uses 17 CCF; real budgets depend on household size and landscape. EVMWD also bills a Power Zone charge by elevation that is not included.
Sewer: $29.80 fixed plus $11.48 per person for 4 people (EVMWD's sample household) = $75.72 a month, 7/1/2026 rates; the $12 surcharge in the notice is for Canyon Lake only and is not included.
Property tax: Riverside County 2026-27 rates (Resolution 2026-153): 1%, Lake Elsinore Unified 0.047%, Mt. San Jacinto College 0.0031%, MWD West 0.0085%, less the $7,000 homeowners exemption, plus the $3.75 Santa Ana watershed flood control assessment. The starting value is the Census median market value, not an assessed value. Mello-Roos and other direct charges on newer tracts are not included.
Trash: CR&R Disposal, City rate schedule effective July 1, 2026: $34.76 residential service plus $2.64 residential organics rate = $37.40 a month. Electricity: SCE Schedule D, baseline region 10. Gas: SoCalGas average rate. No city tax on energy bills was found.
Nothing here is legal, tax or insurance advice.

Sources

How Lake Elsinore compares

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

Per year	Lake Elsinore	Median	Where it falls
Property tax rate	1.06%	1.13%	lower than 257 of the other 284 California cities we cover
Water	$1,415	$927	higher than 257 of the other 284 California cities we cover
Sewer and utility-bill fees	$909	$596	higher than 161 of the other 196 California cities we cover
Trash	$449	$452	lower than 138 of the other 267 California cities we cover
Electricity and gas	$3,603	$3,421	higher than 200 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	$13,789	$14,432	lower than 157 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: Lake Elsinore's property tax rate is 1.06%, lower than 257 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 Lake Elsinore is 1.06%, lower than 257 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 $1,415 a year at typical use, higher than 257 of the other 284 California cities we cover.

Ask: "Water here costs about $1,415 a year at typical use, higher than 257 of the other 284 California cities we cover. What drives that cost, and would you change anything?"

3. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $909 a year, higher than 161 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 $909 a year, higher than 161 of the other 196 California cities we cover. What drives that cost, and would you change anything?"

See who is running in your city →

Common questions about Lake Elsinore house costs

What is the property tax rate in Lake Elsinore?

About 1.06% of the value before exemptions a year (2026-27 tax year, Riverside County (Lake Elsinore tax rate areas in Lake Elsinore Unified: 1% levy, Lake Elsinore Unified, Mt. San Jacinto College and MWD West)), plus flat charges on the same bill (Flood control NPDES stormwater assessment (Santa Ana watershed) $4).

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

About $5,223 a year on $500,000 of the value before exemptions with the homeowners' exemption, including $4 of flat charges.

How much is the water bill in Lake Elsinore?

About $194 a month for water and sewer at typical use (17 units, or 12,716 gallons a month) on Elsinore Valley Municipal Water District.

How much does trash pickup cost in Lake Elsinore?

$37 a month for a house.

When is property tax due in Lake Elsinore?

Dec 10: First property tax installment is due Nov 1 and becomes delinquent Dec 10; taxes not paid by the delinquent date get a 10% penalty. Apr 10: Second property tax installment (due Feb 1) becomes delinquent Apr 10; a 10% penalty applies to taxes unpaid by the delinquent date.

Where can I get help paying utility bills in Lake Elsinore?

Income-qualified: SCE CARE rate: Through SCE's CARE program, qualifying households receive 32.5% off their electric bills and a Base Services Charge of about $6 a month. Apply with SCE's CARE/FERA online application; no additional documentation is required.

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

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