Montclair, CA · Updated Oct 2026

What a Montclair 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 Montclair house

$12,497a year · $1,041 a month

Starts at the typical market value, $569,100; 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 Montclair house at the typical market value ($569,100) costs about $12,500 a year: $6,150 property tax and charges, $1,200 water and sewer, $460 trash, $3,200 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:

Seniors 65+: lower trash rate$61.94 vs $77.42 every two months
The City lists a Senior Trash Rate (65 and over) of $61.94 for two months, against $77.42 for standard single-family trash.
How: Fill out a Senior discount card at City Hall or the application on the City website; proof of age is required, the trash and sewer account must be in the applicant's name, and the applicant must reside at the service address.
Free bulky item pickups
Each household in the City of Montclair is allowed four complimentary curbside pickups each calendar year, of up to five bulky items per collection.
How: Call Burrtec Waste Industries at (909) 620-1353.

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 26 daysLast day to file a 2026 regular assessment appeal in San Bernardino County (filing runs July 2 to November 30, 2026).
Dec 10in 36 daysFirst property tax installment is due Nov 1 and becomes delinquent Dec 10: 10% penalty if unpaid.
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 is due Feb 1 and becomes delinquent Apr 10: 10% penalty if unpaid.

Who serves this house

Water: Monte Vista Water District; Monte Vista Water District rates effective January 1, 2026: a Readiness-to-Serve charge by meter size, billed every other month, plus budget-based tiered rates per unit (1 unit equals 100 cubic feet equals 748 gallons) for single-family residential customers.
Property tax: 1.09% of value; 2026-27 tax year, San Bernardino County (Ontario-Montclair Elementary, Chaffey Union High School, Chaffey Community College and Metropolitan Water District)
Garbage: Burrtec Waste Industries; The City of Montclair bills residential trash; Burrtec collects it.
Sewer: City of Montclair; Trash and sewer are billed together every other month by the City.
Electricity: Southern California Edison; The City's utility page lists Southern California Edison for electric service.
Gas: SoCalGas; The City's utility page lists Southern California Gas Company for gas service.

Pay or manage your bills

Your water

Source: In 2025 approximately 79% of MVWD's water supply was produced from a series of aquifers known collectively as the Chino Groundwater Basin.
Violations: The District reports its system did not have any violations nor exceed maximum contaminant levels or any other water quality standard.

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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: Monte Vista Water District 2026 rates (effective January 1, 2026): a $61.85 Readiness-to-Serve charge for a 3/4" meter billed every other month (about $30.93 a month), $2.77 per unit (CCF) in Tier 1, the indoor budget (4 people x 52.5 gallons x 30.4 days, about 8.54 CCF a month), and $4.99 per CCF in Tier 2, the outdoor budget, which depends on lot size and the season; use above Tier 2 is priced at Tier 3 and Tier 4 rates ($5.79 and $6.92), which we do not model. The District publishes no typical household use, so the page starts at 9 CCF a month. Some Montclair addresses may be served by another water provider; the City's utility page names Monte Vista Water District.
Trash and sewer: the City's published bill for single-family homes is $77.42 trash and $86.24 sewer for each two-month bill, $38.71 and $43.12 a month; sewer is a flat charge, not tied to water use.
Property tax: the countywide 1% plus Ontario-Montclair Elementary, Chaffey Union High School, Chaffey Community College and Metropolitan Water District rates from San Bernardino County's 2026-27 rates, less the $7,000 homeowners' exemption, applied to the value you enter. The starting value is the Census median market value; under Prop 13 a home's assessed value can be far lower. Mello-Roos or other special taxes depend on the neighborhood and are not included.
Electricity: SCE Domestic plan, rates as of 10/1/26, at 523 kWh; the page uses one blended rate of 34.5¢ per kWh, the midpoint of Tier 1 (30¢) and Tier 2 (39¢), because the baseline allowance depends on the home; fixed charge is the 79¢ daily Base Services Charge. Gas: SoCalGas Schedule GR; the page uses one blended rate of $1.6236 per therm, the midpoint of the baseline (138.518¢) and non-baseline (186.202¢) rates, plus the 16.438¢ daily customer charge. Insurance: the California statewide average homeowners premium for 2022. Mello-Roos or other special taxes depend on the neighborhood and are not included.
Nothing here is legal, tax or insurance advice.

Sources

How Montclair compares

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

Per year	Montclair	Median	Where it falls
Property tax rate	1.09%	1.13%	lower than 215 of the other 284 California cities we cover
Water	$683	$927	lower than 221 of the other 284 California cities we cover
Sewer and utility-bill fees	$517	$596	lower than 120 of the other 196 California cities we cover
Trash	$465	$452	higher than 148 of the other 267 California cities we cover
Electricity and gas	$3,195	$3,421	lower than 199 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	$12,497	$14,432	lower than 190 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: Montclair's property tax rate is 1.09%, lower than 215 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 Montclair is 1.09%, lower than 215 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 $683 a year at typical use, lower than 221 of the other 284 California cities we cover.

Ask: "Water here costs about $683 a year at typical use, lower than 221 of the other 284 California cities we cover. What drives that cost, and would you change anything?"

See who is running in your city →

Common questions about Montclair house costs

What is the property tax rate in Montclair?

About 1.09% of the value before exemptions a year (2026-27 tax year, San Bernardino County (Ontario-Montclair Elementary, Chaffey Union High School, Chaffey Community College and Metropolitan Water District)), plus flat charges on the same bill.

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

About $5,390 a year on $500,000 of the value before exemptions with the homeowners' exemption.

How much is the water bill in Montclair?

About $100 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on Monte Vista Water District.

How much does trash pickup cost in Montclair?

$39 a month for a house.

When is property tax due in Montclair?

Dec 10: First property tax installment is due Nov 1 and becomes delinquent Dec 10: 10% penalty if unpaid. Apr 10: Second property tax installment is due Feb 1 and becomes delinquent Apr 10: 10% penalty if unpaid.

Can seniors lower their property tax or bills in Montclair?

Yes. Seniors 65+: lower trash rate: The City lists a Senior Trash Rate (65 and over) of $61.94 for two months, against $77.42 for standard single-family trash.

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

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