Morgan Hill, CA · Updated Oct 2026

What a Morgan Hill 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 Morgan Hill house

$20,718a year · $1,726 a month

Starts at the typical market value, $1,210,200; your assessed value is often lower. Typical use.

Property tax$13,593
1.130% of $1,210,200, less $7,000 homeowners' exemption
Flat charges on the tax bill$161
Valley Water Safe, Clean Water special tax (2026-27) $82 · Mosquito & vector control assessments $31 · SF Bay Restoration Authority Measure AA $12 · Open Space Authority District 1 assessment $12 · Open Space Authority Measure T parcel tax $24
Electricity and gas$3,414
500 kWh a month $2,435 · 31.72 therms $979
Water and sewer$2,058
9 units (CCF) a month on City of Morgan Hill: water $77, sewer $95 a month
TrashNot included
Not counted in the total: Recology service, price not published
Home insurance$1,492
Typical premium $1,492

A Morgan Hill house at the typical market value ($1,210,200) pays about $20,700 a year: $13,750 property tax and charges, $2,060 water and sewer, $3,410 electricity and gas, $1,490 home insurance; trash is billed separately. 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:

Homeowners' exemption
If you own and occupy your home as your principal place of residence, you may be eligible for an exemption of up to $7,000 off the dwelling's assessed value.
How: File the claim with the Santa Clara County Assessor.
Low-income water and sewer discountLow income discount
Low income discounts are available for qualifying customers.
How: Call Utility Billing at 408-779-7221 or email utilitybilling@morganhill.ca.gov.

Adjust to match your bills

What you know

Value before exemptionsEnter the assessed value from your tax bill: under Prop 13 it is often far below what the house would sell for.

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, 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 Silicon Valley Clean Energy (SVCE) bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

10thWater/wastewater bills are processed on the 15th of each month for the previous month's use and due by the 10th of the next month.
Delinquency dateA 1.5% penalty is assessed on all outstanding balances not paid by the delinquency date listed on the bill.

Who serves this house

Water: City of Morgan Hill; City of Morgan Hill rates effective July 1, 2026; bills are issued monthly.
Property tax: 1.13% of value; 2025-26 tax year, Santa Clara County (tax rate area 004-003); flat charges 2026-27
Garbage: Recology South Valley; Garbage and organics are collected weekly and other recyclables are collected biweekly.
Electricity: Silicon Valley Clean Energy generation, PG&E delivery; Silicon Valley Clean Energy generation; PG&E delivery.
Gas: PG&E; PG&E gas service.

Pay or manage your bills

Your water

Source: The Santa Clara Valley Water District charges the City of Morgan Hill groundwater extraction fees.
Surcharge: A zonal elevation surcharge (booster station) of $0.43 per unit applies in geographical locations only.

Other CA cities

How these numbers are made

Water: city rates effective July 1, 2026: $42.54 base plus $3.71 consumption and $0.11 Valley Water pass-through per unit, as one $3.82 rate. The elevation surcharge and revenue-stabilization charges are not included.
Sewer: $45.79 base plus $6.10 per unit of winter-average water use, capped at the city's assumed 8-unit winter average (it equals the $94.59 single-family new-customer fee).
Tax: 2025-26 rates for tax rate area 004-003, the largest Morgan Hill area by parcels per californiapropertytools.com (1.1297% total incl. state water project). Parcel taxes from Valley Water, vector control, SF Bay and the Open Space Authority; other direct charges (city assessment districts, school parcel taxes) may exist and are not included.
Electricity: PG&E E-1 tier rates swapped from PG&E generation to SVCE GreenStart generation (0.32561 - 0.12855 + 0.01011 + 0.08006 + 0.03720). Gas: PG&E G-1 plus surcharge.
Garbage: Recology's current Morgan Hill price is not published online and is left out, so totals exclude trash. A 2013 local news report put basic residential service at $26.63 a month, rising yearly with CPI under the city's contract; no current rate was found. Insurance is a 2022 statewide figure and may be low for a hillside or foothill home. The tax total uses the Census market median as the default value, not an assessed value.
Electricity: SVCE serves Morgan Hill per svcleanenergy.org/service-area.
Nothing here is legal, tax or insurance advice.

Sources

How Morgan Hill compares

A typical Morgan Hill house against the 110 California cities we cover, using the same default numbers as the total above.

Per year	Morgan Hill	Median	Where it falls
Property tax rate	1.13%	1.13%	lower than 57 of the other 109 California cities we cover
Water	$923	$955	lower than 64 of the other 109 California cities we cover
Sewer and utility-bill fees	$1,135	$584	higher than 72 of the other 76 California cities we cover
Electricity and gas	$3,414	$3,556	lower than 79 of the other 109 California cities we cover
Home insurance	$1,492	$1,492	in the middle of 108 other California cities we cover
Total	$20,718	$15,240	higher than 92 of the other 109 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. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $1,135 a year, higher than 72 of the other 76 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 $1,135 a year, higher than 72 of the other 76 California cities we cover. What drives that cost, and would you change anything?"

See who is running in your city →

Common questions about Morgan Hill house costs

What is the property tax rate in Morgan Hill?

About 1.13% of the value before exemptions a year (2025-26 tax year, Santa Clara County (tax rate area 004-003); flat charges 2026-27), plus flat charges on the same bill (Valley Water Safe, Clean Water special tax (2026-27) $82, Mosquito & vector control assessments $31, SF Bay Restoration Authority Measure AA $12, Open Space Authority District 1 assessment $12).

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

About $5,730 a year on $500,000 of the value before exemptions with the homeowners' exemption, including $161 of flat charges.

How much is the water bill in Morgan Hill?

About $172 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on City of Morgan Hill.

How much does trash pickup cost in Morgan Hill?

Not counted in the total: Recology service, price not published

Where can I get help paying utility bills in Morgan Hill?

Low-income water and sewer discount: Low income discounts are available for qualifying customers. Call Utility Billing at 408-779-7221 or email utilitybilling@morganhill.ca.gov.

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

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