Lathrop, CA · Updated Oct 2026

What a Lathrop 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 Lathrop house

$13,959a year · $1,163 a month

Starts at the typical market value, $643,600; your assessed value is often lower. Typical use.

A Lathrop house at the typical market value ($643,600) pays about $14,000 a year: $6,990 property tax and charges, $1,530 water and sewer, $570 trash, $3,380 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 small 30-gallon garbage cart cartUp to $41 a year
Your cart costs $47 a month; the smallest costs $44. Worth it if you rarely fill it.
How: To start garbage service or with questions about it, contact Republic Services at (209) 466-3604; the size of the brown garbage cart determines the monthly charge.
100% disabled veterans: property tax exemption$100,000+ off assessed value
The basic Disabled Veterans' Exemption, also called the $100,000 exemption, is available to qualifying claimants; a larger low-income exemption also exists.
How: File the Claim for Disabled Veterans' Property Tax Exemption; the form can be downloaded from the Cal Assessor website.
Seniors, blind or disabled: postpone property taxesDefer this year's taxes
Homeowners who are seniors, blind or have a disability can defer current-year property taxes on their home if they have at least 40% equity and household income of $45,000 or less.
How: Call the State Controller at (800) 952-5661 or email postponement@sco.ca.gov.
Military or veteran ID: 10% off the water and sewer service charge10% off the monthly service charge
A water customer with a current military or veterans identification card receives a 10% reduction in the monthly service charge by meter size; a sewer customer receives 10% off the flat monthly service charge.
How: Present a current military or veterans ID.
Seniors over 65, veterans and low-income households: Republic Services discountDiscounted garbage rate
Republic Services offers discounts for Senior Citizens over the age of 65, Veterans and low income.
How: Call Republic Services at (209) 466-3604 for more information; the City page links applications.

Adjust to match your bills

What you knowTrash cartGarbage service is mandatory within the City of Lathrop, and residents set out the brown garbage cart each week; the blue recycling and green waste carts can be set out only when full.

Value before exemptionsMany newer Lathrop neighborhoods (for example Mossdale, Stonebridge, Woodfield and River Islands) also pay Community Facilities District (Mello-Roos) or assessment-district charges on the tax bill; these and any flat per-parcel county charges on the bill are not included here and vary by neighborhood and tax rate area. River Islands students are in Banta School District, with different bond rates. Check your own bill.

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, thousands of gallons a month

On your water bill. A typical house uses 5,000–8,000 gallons.

Electricity, kWh a month

On your PG&E bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Nov 30, 2026in 38 daysLast day of San Joaquin County's 2026 filing period for a formal assessment appeal (a reduction in assessed value), filed with the Clerk of the Board of Supervisors.
Dec 10in 48 daysLast day to pay the first installment of secured property taxes without penalty.
Dec 10in 48 daysLast day to file a homeowners' or veterans' exemption claim and still receive 80% of the exemption.
Feb 15in 115 daysLast day to file the homeowners' exemption for the full year.

Who serves this house

Water: City of Lathrop; Monthly 5/8-inch meter service charge ($16.30, effective 01/01/2020) plus a monthly SCSWSP facilities charge ($9.10) and a quantity charge of $3.99 per 1,000 gallons, listed in the City's 2026 Master Fee Schedule
Property tax: 1.10% of value; 2026–27 tax year, San Joaquin County (Manteca Unified area rates)
Garbage: Republic Services; Republic Services provides residential waste services to City of Lathrop residents and bills garbage separately from the City utility bill.
Sewer: City of Lathrop; The City bills a flat monthly sewer charge for single-family homes.
Electricity: PG&E; PG&E electric service territory includes Lathrop (ZIP code 95330).
Gas: PG&E; PG&E gas service territory includes Lathrop (ZIP code 95330).
Schools: Manteca Unified; Manteca Unified School District is listed among the schools in Lathrop; Banta School District is also listed. Bonds for Manteca Unified and San Joaquin Delta College are part of the property tax rate in specified tax-rate areas.

Pay or manage your bills

Your water

Source: The water includes groundwater from four online water supply wells within the city limits and surface water treated and delivered by the South San Joaquin Irrigation District (SSJID).
Lead: Lead 2024 at-the-tap sampling: 0 of 30 sites above the action level of 15 ppb.

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How these numbers are made

Garbage: Republic Services' monthly residential rates from July 1, 2026 as reported May 9, 2026 ($44.04 for 30 gallons, $47.44 for 60, $53.85 for 90). The City page that shows the 2026 rates is an image and the council vote on them was not found, so these rates were reported as proposed (headline 4.93%, article body 4.89%) and adoption is unconfirmed; the contract lets Republic adjust rates each July 1 by the CPI, capped at 5%.
Water and sewer: the City's 2026 Master Fee Schedule (rev. 07/14/2026) lists the rates effective 01/01/2020: water $16.30 meter charge (5/8 inch) plus $9.10 SCSWSP facilities charge a month and $3.99 per 1,000 gallons; sewer $75.00 a month in East Lathrop, $84.00 west of I-5. The City publishes no typical water use, so the page starts at its default use.
Property tax: San Joaquin County 2026-27 rates; every one of the 194 tax rate areas listing Manteca Unified bonds shows 1.0985% total (1% general levy, Manteca Unified bonds 0.0174%, 0.0239% and 0.0351% and Delta College bonds 0.0092% and 0.0129%), less the $7,000 homeowners' exemption. We could not match Lathrop addresses to specific tax rate areas, so these Manteca Unified rows are used; River Islands (Banta School District) and some other areas differ.
Not included: flat per-parcel county charges (amounts not found) and Mello-Roos and assessment-district charges, which are common on newer Lathrop homes and vary by neighborhood. The starting value is the Census ACS 2020-2024 median market value ($643,600); under Prop 13 an owner who bought years ago has a lower assessed value and pays less.
Energy: PG&E standard tiered plans (E-1, G-1) with year-round baselines weighted by season, same method and typical use as Manteca (San Joaquin County baseline territory S); the $0.79343 a day base services charge is $24.13 a month. Insurance is the 2022 figure (the newest on the source page; premiums have likely risen since, so the total may be understated); it is the California average homeowners premium (NAIC via the Insurance Information Institute).
Nothing here is legal, tax or insurance advice.

Sources

Common questions about Lathrop house costs

What is the property tax rate in Lathrop?

About 1.10% of the value before exemptions a year (2026–27 tax year, San Joaquin County (Manteca Unified area rates)), plus flat charges on the same bill.

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

About $5,416 a year on $500,000 of the value before exemptions with the homeowners' exemption.

How much is the water bill in Lathrop?

About $127 a month for water and sewer at typical use (7,000 gallons a month) on City of Lathrop.

How much does trash pickup cost in Lathrop?

$44 to $54 a month, depending on the trash cart size (Small 30-gallon garbage cart, Medium 60-gallon garbage cart, Large 90-gallon garbage cart).

When is property tax due in Lathrop?

Dec 10: Last day to pay the first installment of secured property taxes without penalty. Apr 10: Last day to pay the second installment of secured property taxes without penalty.

Can seniors lower their property tax or bills in Lathrop?

Yes. Seniors, blind or disabled: postpone property taxes: Homeowners who are seniors, blind or have a disability can defer current-year property taxes on their home if they have at least 40% equity and household income of $45,000 or less.

Where can I get help paying utility bills in Lathrop?

100% disabled veterans: property tax exemption: The basic Disabled Veterans' Exemption, also called the $100,000 exemption, is available to qualifying claimants; a larger low-income exemption also exists. File the Claim for Disabled Veterans' Property Tax Exemption; the form can be downloaded from the Cal Assessor website.

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

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