Livingston, CA · Updated Oct 2026

What a Livingston 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 Livingston house

$10,045a year · $837 a month

Starts at the typical market value, $372,700; your assessed value is often lower. Typical use.

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Insurers charge very different prices for the same house and coverage. California's free premium survey lists each insurer's price.

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A Livingston house at the typical market value ($372,700) costs about $10,000 a year: $3,810 property tax and charges, $960 water and sewer, $420 trash, $3,360 electricity and gas, $1,490 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 29, 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 FERA30–35% off electricity
CARE takes 30–35% off electricity for income-qualified households; FERA takes 18% off 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 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.
Seniors, blind or disabled: property tax postponementDefer property taxes
The Merced County Tax Collector administers the Senior Citizen Postponement Program for seniors, blind and disabled people.
How: Contact the Merced County Treasurer-Tax Collector.
Missed the homeowners' exemption deadline? File by December 1080% of the exemption
Homeowners who miss the February 15 filing deadline have until December 10 to file for an 80% exemption.
How: File the claim with the Merced County Assessor.

Money dates

Nov 30in 26 daysLast day to file an appeal of the value on the annual tax roll (the filing window runs July 2 to November 30).
Feb 1in 89 daysSecond installment due. Delinquent after April 10, then a 10% penalty.
Feb 15in 103 daysLast day to file the homeowners' exemption for the full year.
Nov 1First property tax installment due. Delinquent after Dec 10, then a 10% penalty.

Who serves this house

Water: City of Livingston; City of Livingston, rates effective July 1, 2025: a flat rate of $29.00 for single-family homes covers 0–25,000 gallons, then $1.72 per 1,000 gallons.
Property tax: 1.04% of value; 2026–27 tax year, Merced County (tax rate area 003-001)
Sewer: City of Livingston; Residential wastewater rate in the City's rate study: $51.03 per unit for FY 2025/26.
Schools: Livingston Union / Merced Union High; Livingston USD, Merced Union High and Merced College bonds are part of the property tax rate.

Pay or manage your bills

Your water

Source: Groundwater is the City's sole source of supply, from eight active wells and one emergency well (2025 report).
Hardness: Total hardness averaged 104 ppm (range 78 to 160) in 2025 testing.
Violation: The report lists an MCL violation for 1,2,3-trichloropropane (1,2,3-TCP); the City expects to resolve it by the end of 2027.

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How these numbers are made

Water: the City's July 1, 2025 rates: $29.00 a month flat for a single-family home covers the first 25,000 gallons, then $1.72 per 1,000 gallons. The starting use stays inside the 25,000-gallon allowance.
Sewer: the City's online page says it has not published a current sewer schedule; we use the residential rate its June 2021 rate study scheduled for FY 2025/26, $51.03 per unit (a per-unit monthly charge). Finance at (209) 394-8041 can confirm.
Garbage: $35.25 a month for 1 black and 1 green can, effective April 1, 2024 (Gilton Solid Waste, billed by the City).
Property tax: Merced County 2026-27 rates for tax rate areas 003-001 to 003-024 (the City of Livingston areas, all 1.0417% in total): 1% countywide plus 0.0188% Livingston USD, 0.0114% Merced Union High and 0.0115% Merced College bonds, less the $7,000 homeowners' exemption. The starting value is the Census ACS 2020-2024 median market value; under Prop 13 a long-time owner's assessed value is lower. Direct charges on individual tax bills are not included.
Energy is a year-round estimate on PG&E's standard tiered plans (same method as nearby Atwater): per-day charges and baselines converted to monthly, seasonal weighting, typical use from EIA. Homes served by Merced Irrigation District pay MID's rates instead. Insurance is the 2022 California average premium (NAIC via III).
Nothing here is legal, tax or insurance advice.

Sources

How Livingston compares

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

Per year	Livingston	Median	Where it falls
Property tax rate	1.04%	1.13%	lower than 272 of the other 284 California cities we cover
Water	$348	$927	lower than 277 of the other 284 California cities we cover
Sewer and utility-bill fees	$612	$596	higher than 104 of the other 196 California cities we cover
Trash	$423	$452	lower than 157 of the other 267 California cities we cover
Electricity and gas	$3,360	$3,421	lower than 172 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	$10,045	$14,432	lower than 256 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: Livingston's property tax rate is 1.04%, lower than 272 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 Livingston is 1.04%, lower than 272 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 $348 a year at typical use, lower than 277 of the other 284 California cities we cover.

Ask: "Water here costs about $348 a year at typical use, lower than 277 of the other 284 California cities we cover. What drives that cost, and would you change anything?"

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Common questions about Livingston house costs

What is the property tax rate in Livingston?

About 1.04% of the value before exemptions a year (2026–27 tax year, Merced County (tax rate area 003-001)), plus flat charges on the same bill.

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

About $5,136 a year on $500,000 of the value before exemptions with the homeowners' exemption.

How much is the water bill in Livingston?

About $80 a month for water and sewer at typical use (7,000 gallons a month) on City of Livingston.

How much does trash pickup cost in Livingston?

$35 a month for a house.

When is property tax due in Livingston?

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.

Can seniors lower their property tax or bills in Livingston?

Yes. Seniors, blind or disabled: property tax postponement: The Merced County Tax Collector administers the Senior Citizen Postponement Program for seniors, blind and disabled people.

Where can I get help paying utility bills in Livingston?

Income-qualified households: PG&E CARE or FERA: CARE takes 30–35% off electricity for income-qualified households; FERA takes 18% off 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 Livingston cost to run each year?

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