Ontario, CA · Updated Oct 2026

What a Ontario 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 Ontario house

$10,817a year · $901 a month

Starts at $350,114 of value before exemptions. Typical use.

A typical Ontario house pays about $10,800 a year: $3,750 property tax and charges, $1,490 water and sewer, $620 trash, $3,460 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 32-gallon set of cans cartUp to $132 a year
Your cart costs $52 a month; the smallest costs $41. Worth it if you rarely fill it.
How: Questions about Integrated Waste service and billing: contact Utilities Customer Service at (909) 395-2050.
Seniors 65+ or disabled, low income: utility discountUp to $15 off each monthly bill
Households with a member 65 or older or a disabled person, and gross household income at or below 200% of the federal poverty level, can get a monthly discount of up to $15 off the combined water, sewer and refuse bill. The discount is in effect for one year from approval; to renew it for another year you return a renewal application.
How: Apply in person at the Utilities Customer Service Center, 1333 S. Bon View Avenue, with the required documents, including proof of income and proof of age or physician documentation. Questions: (909) 395-2050.
Free bulky item pickups
Single-family residents can schedule up to four bulky item collection appointments per calendar year, up to five large items each, such as furniture, mattresses, appliances and electronic waste.
How: Call (909) 395-2050 to schedule.
Turf replacement rebate$2 per square foot
Ontario's water Programs & Rebates page lists a turf replacement program at $2 per square foot, along with the Residential Irrigation System Enhancement (RISE) program and a water softener rebate.
How: See Programs & Rebates on the City's Ontario Waterwise pages.

Adjust to match your bills

What you knowTrash cartEach set is a trash, a recycling and a green waste can of that size.

Value before exemptionsYour assessed value starts at your purchase price and can rise at most 2% a year (Prop 13): use the assessed value on your tax bill. For comparison, the Census Bureau's 2020-2024 median market value of owner-occupied homes in Ontario is $607,600. Newer Ontario Ranch homes also pay Mello-Roos special taxes (often $1,600 to $3,500 a year) that are not included here.

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 Ontario house uses about 14.

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 38 daysLast day to file a 2026 regular assessment appeal in San Bernardino County (filing runs July 2 to November 30, 2026).
Dec 10in 48 daysFirst property tax installment (due Nov 1) is delinquent after Dec 10: 10% penalty.
Feb 15in 115 daysLast day for a first-time homeowners' exemption claim to get the full exemption for the year.
Apr 10Second property tax installment (due Feb 1) is delinquent after Apr 10: 10% penalty.

Who serves this house

Water: Ontario Municipal Utilities Company; Ontario Municipal Utilities Company bills monthly: a Readiness to Serve charge by meter size plus three tiers per HCF for single-family homes (1-10, 11-18 and over 18 HCF).
Property tax: 1.09% of value; 2026-27 tax year, San Bernardino County (Ontario-Montclair tax rate area 004-000)
Garbage: City of Ontario Integrated Waste; The City provides residential refuse collection; its Utilities Customer Service bills Integrated Waste service along with water and sewer.
Sewer: OMUC + Inland Empire Utilities Agency; A flat monthly City sewer charge per home plus IEUA's pass-through treatment charge.
Electricity: Southern California Edison; The City lists Southern California Edison as its electric utility.
Gas: SoCalGas; The City lists Southern California Gas Company as its gas utility.

Pay or manage your bills

Your water

Source: Groundwater from City-owned wells and from San Antonio Water Company, Jurupa Community Services District and Chino Basin Desalter Authority wells, plus State Water Project water treated by the Water Facilities Authority.
Violations: OMUC reported no water quality violations during 2025.
Lead pipes: OMUC's 2024 lead service line inventory found no lead service lines in the system.

Other CA cities

How these numbers are made

Individual bills are confidential in California, so we calculate yours from public rates and what you tell us.
Water (Ontario Municipal Utilities Company, rates effective July 1, 2026): the 5/8-inch meter Readiness to Serve charge ($33.86 a month) plus $2.61, $4.87 and $5.76 per HCF for 1-10, 11-18 and over 18 HCF a month. The page starts at 14 HCF, the typical single-family use in the City's 2025 rate flyer. Sewer: the City's $15.36 single-family charge plus IEUA's $29.45 pass-through treatment charge, $44.81 a month per home on the same monthly City bill.
Trash: the City's monthly rate for a set of trash, recycling and green waste cans from July 1, 2026: $51.59 for 96-gallon cans (the typical set in the City's rate flyer), $45.91 for 64-gallon and $40.59 for 32-gallon.
Property tax: tax rate area 004-000 (Ontario-Montclair School District, Chaffey Union High, Chaffey Community College and Metropolitan Water District), about 1.0932% in total from San Bernardino County's 2026-27 rates (Resolution 2026-133), less the $7,000 homeowners' exemption, applied to the value you enter. We picked 004-000 because it has the most parcels with a homeowners' exemption in the county parcel map (about a third of them). Ontario Ranch areas in the Mountain View Elementary district carry that district's bond rates instead of Ontario-Montclair's. The starting value is the median assessed value (land plus improvements) of the 15,154 Ontario single-family parcels with a homeowners' exemption in the County Assessor's parcel roll, about $350,114, across the whole city. Tax area 004-000 alone has a lower median, about $262,700 for its 4,835 exempt parcels, so the rate area and the value cover different sets of homes. The Census median market value is $607,600.
Fixed charges: none are included. Not included because they depend on the neighborhood or could not be sourced: Ontario Ranch Mello-Roos (CFD) special taxes, which in the City's FY 2022-23 report ran about $1,600 to $3,500 a year per home by size in one bonded district; City street light and parkway maintenance districts in some tracts; and the West Valley Mosquito and Vector Control District assessments, whose per-parcel amounts we could not find published. Your tax bill lists them.
Electricity: SCE's standard Domestic rate with SCE generation from SCE's joint rate comparison with neighboring Pomona Choice Energy ($0.37392 per kWh in total, SCE rates as of June 1, 2026; its $195.56 average bill at 523 kWh is that rate times the usage, so a year-round average), plus SCE's $24.15 monthly Base Services Charge. Gas: SoCalGas's August 2026 average non-CARE bill ($68.91 at 35 therms), taken as including the $0.16-a-day customer charge (about $4.87 a month), so $4.87 a month plus $1.830 per therm. Insurance starts at the 2022 California average.
Tax typical value: San Bernardino County Assessor parcel roll, median assessed value (land plus improvements) of Ontario single-family parcels with a homeowners' exemption, 2026.
Garbage is billed monthly per the city's Prop 218 notice.
Nothing here is legal, tax or insurance advice.

Sources

How Ontario compares

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

Per year	Ontario	Median	Where it falls
Property tax rate	1.09%	1.13%	lower than 89 of the other 109 California cities we cover
Water	$953	$955	lower than 55 of the other 109 California cities we cover
Sewer and utility-bill fees	$538	$584	lower than 41 of the other 76 California cities we cover
Trash	$619	$438	higher than 86 of the other 101 California cities we cover
Electricity and gas	$3,463	$3,556	lower than 67 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	$10,817	$15,240	lower than 105 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. Property tax rate

The fact: Ontario's property tax rate is 1.09%, lower than 89 of the other 109 California cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Ontario is 1.09%, lower than 89 of the other 109 California cities we cover. What should that money pay for first, and would you change anything about how it is set?"

2. Trash

The fact: Trash pickup here costs about $619 a year for the standard cart, higher than 86 of the other 101 California cities we cover. Where trash is billed through the tax bill or a separate hauler, it is not counted here.

Ask: "Trash pickup here costs about $619 a year for the standard cart, higher than 86 of the other 101 California cities we cover. What drives that cost, and would you change anything about the service or the price?"

See who is running in your city →

Common questions about Ontario house costs

What is the property tax rate in Ontario?

About 1.09% of the value before exemptions a year (2026-27 tax year, San Bernardino County (Ontario-Montclair tax rate area 004-000)), plus flat charges on the same bill.

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

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

How much is the water bill in Ontario?

About $124 a month for water and sewer at typical use (14 units, or 10,472 gallons a month) on Ontario Municipal Utilities Company.

How much does trash pickup cost in Ontario?

$41 to $52 a month, depending on the trash cart size (32-gallon set of cans, 64-gallon set of cans, 96-gallon set of cans).

When is property tax due in Ontario?

Dec 10: First property tax installment (due Nov 1) is delinquent after Dec 10: 10% penalty. Apr 10: Second property tax installment (due Feb 1) is delinquent after Apr 10: 10% penalty.

Can seniors lower their property tax or bills in Ontario?

Yes. Seniors 65+ or disabled, low income: utility discount: Households with a member 65 or older or a disabled person, and gross household income at or below 200% of the federal poverty level, can get a monthly discount of up to $15 off the combined water, sewer and refuse bill. The discount is in effect for one year from approval; to renew it for another year you return a renewal application.

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

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