Lincoln, CA · Updated Oct 2026

What a Lincoln 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 Lincoln house

$13,977a year · $1,165 a month

Starts at the typical market value, $651,000; your assessed value is often lower. Typical use.

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 Lincoln house at the typical market value ($651,000) costs about $14,000 a year: $6,700 property tax and charges, $1,950 water and sewer, $460 trash, $3,380 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 households: PG&E CARE or FERACARE: 30–35% off electricity
California electric corporations with 100,000+ customer accounts offer a 30–35% CARE discount on electricity for income-qualified households; FERA applies an 18% discount for incomes slightly above the CARE limit.
How: Apply with PG&E; application forms are also available through community agencies.
100% disabled veterans: property tax exemption$100,000+ off assessed value
The basic Disabled Veterans' Exemption, also called the $100,000 exemption, is for a veteran rated 100% disabled from service (or an eligible unmarried surviving spouse) on their principal residence, and is compounded annually by an inflation factor; a larger low-income exemption (the $150,000 exemption) is for claimants under a household income limit.
How: File form BOE-261-G, Claim for Disabled Veterans' Property Tax Exemption, with the county assessor.

Adjust to match your bills

What you know

Value before exemptionsProp 13 keeps assessed value below this market median for long-time owners. Newer Lincoln neighborhoods can carry Mello-Roos or assessment-district charges on the bill; amounts vary by parcel.

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

Feb 1in 89 daysSecond installment due. Delinquent after April 10, then a 10% penalty.
Nov 1First property tax installment due. Delinquent after Dec 10, then a 10% penalty.

Who serves this house

Water: City of Lincoln water system; City rate table, FY 2027: monthly fixed charge $29.50 plus water CIP component $15.59 for a 3/4-inch meter; usage $3.99 per kgal.
Property tax: 1.04% of value; 2025–26 tax year, Placer County
Garbage: City of Lincoln; One can is $38.58 per month.
Sewer: City of Lincoln; City wastewater charge plus the LiSWA treatment charge on customers' bills.
Electricity: PG&E; Residential tiered plan E-1; Placer County under 1,500 feet is baseline territory S.
Gas: PG&E; Residential gas service on schedule G-1.

Pay or manage your bills

Your water

Source: The City operates a conjunctive use water system with surface water from Placer County Water Agency and five City-owned municipal wells.
Hardness: Hardness ranged 18.6 – 24.9 ppm, average 21.75.
Lead: A lead service line inventory found no lead or galvanized service lines requiring replacement; 325 lines were physically verified.
Violations: The report lists 0 violations of surface water treatment requirements.

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How these numbers are made

Property tax: 1% general rate plus the 2025-26 Western Placer Unified bond rate (0.034885%) and Sierra College bond rate (0.005316%) for Placer tax rate areas labeled Lincoln Inside; rates for other areas of the city or direct charges on individual parcels were not verified.
Water: City of Lincoln FY 2027 (the July 2026 rate year) 3/4-inch fixed charge $29.50 plus water CIP component $15.59 = $45.09 a month, and $3.99 per kgal. Typical use of 10.7 kgal a month comes from the city's 2023 rate notice, converted at 1.337 CCF per kgal. The city can add a wholesale water pass-through charge that is not included.
Sewer: residential wastewater $36.58 plus LiSWA treatment charge $37.77 a month (FY 2027 column of the city's rate schedule).
Garbage: $38.58 a month for one 95-gallon cart (the FY2027 column of the schedule and the city's own page).
Electric and gas use PG&E E-1 and G-1 with year-round weighted baselines for territory S (Placer County under 1,500 feet). The electric figures are PG&E's bundled tariff; Pioneer Community Energy, which supplies generation in Lincoln, bills a different total that was not priced here. Gas rates are the published tariff.
Insurance uses the California statewide NAIC average for 2022 because no Lincoln figure was found.
Lincoln customers get generation from Pioneer Community Energy (who-we-serve page); its E-1 generation-only rate is 0.11570 (Pioneer residential rates page). A Pioneer bill will differ from the PG&E bundled figures shown.
Nothing here is legal, tax or insurance advice.

Sources

How Lincoln compares

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

Per year	Lincoln	Median	Where it falls
Property tax rate	1.04%	1.13%	lower than 273 of the other 284 California cities we cover
Water	$1,054	$927	higher than 195 of the other 284 California cities we cover
Sewer and utility-bill fees	$892	$596	higher than 154 of the other 196 California cities we cover
Trash	$463	$452	higher than 144 of the other 267 California cities we cover
Electricity and gas	$3,377	$3,421	lower than 155 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	$13,977	$14,432	lower than 154 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: Lincoln's property tax rate is 1.04%, lower than 273 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 Lincoln is 1.04%, lower than 273 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. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $892 a year, higher than 154 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 $892 a year, higher than 154 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 Lincoln house costs

What is the property tax rate in Lincoln?

About 1.04% of the value before exemptions a year (2025–26 tax year, Placer County), plus flat charges on the same bill.

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

About $5,128 a year on $500,000 of the value before exemptions with the homeowners' exemption.

How much is the water bill in Lincoln?

About $162 a month for water and sewer at typical use (11,000 gallons a month) on City of Lincoln water system.

How much does trash pickup cost in Lincoln?

$39 a month for a house.

When is property tax due in Lincoln?

Feb 1: Second installment due. Delinquent after April 10, then a 10% penalty. Nov 1: First property tax installment due. Delinquent after Dec 10, then a 10% penalty.

Where can I get help paying utility bills in Lincoln?

Income-qualified households: PG&E CARE or FERA: California electric corporations with 100,000+ customer accounts offer a 30–35% CARE discount on electricity for income-qualified households; FERA applies an 18% discount for incomes slightly above the CARE limit. Apply with PG&E; application forms are also available through community agencies.

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

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