Patterson, CA · Updated Oct 2026

What a Patterson 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 Patterson house

$11,505a year · $959 a month

Starts at the typical market value, $450,200; 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 Patterson house at the typical market value ($450,200) costs about $11,500 a year: $5,090 property tax and charges, $1,480 water and sewer, $570 trash, $2,870 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:

Single-family households can schedule two free bulky pickups per calendar year; call 209-895-8040.2 free per year
The Constitution requires a $7,000 reduction of taxable value for qualifying owner-occupied homes.$7,000 off taxable value

Money dates

Nov 30in 26 daysLast day to file an appeal of the value on the annual tax roll, if the assessor mails assessment notices to all secured-roll taxpayers (otherwise Sept 15; the window starts July 2).
Feb 1in 89 daysSecond installment due. Delinquent after April 10, then a 10% penalty.
Feb 15in 103 daysLast day to file a timely homeowners' exemption claim.
Nov 1First property tax installment due. Delinquent after Dec 10, then a 10% penalty.

Who serves this house

Water: City of Patterson; Water rate schedule from the City's final 2022 rate study, January 1, 2026 step: 5/8" and 3/4" meter service charge $18.17 monthly; $2.97 per ccf for 0 to 13 ccf and $4.13 per ccf above 13 ccf.
Property tax: 1.15% of value; 2025-26 tax year, Stanislaus County (tax rate areas 005 and 086, total 1.148282%; 2026-27 book not yet published)
Garbage: City of Patterson Utility Services; The City lists water, garbage and sewer service under its Utility Services Department; its garbage schedule has a residential three-toter service rate.
Sewer: City of Patterson; Residential sewer flat rate; the City's page shows it as a monthly rate.
Electricity: Turlock Irrigation District (TID); Listed by the City as the electricity provider.
Gas: Pacific Gas and Electric (PG&E); Listed by the City as the gas provider.

Pay or manage your bills

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How these numbers are made

Property tax: Stanislaus County 2025-26 rate book, tax rate area 005-002 (Patterson city with Patterson Joint Unified), total 1.148282%: 1% county plus Patterson Unified bonds 0.124454% plus Yosemite Community College bonds 0.023828%. The 2026-27 book was not yet posted. Applied to the Census median home value, which is a market value; Prop 13 assessed values for long-time owners are lower.
Some newer neighborhoods carry Mello-Roos special taxes on the tax bill. The City lists active CFDs 2005-1, 2001-1, 2015-1, 2015-2, 2018-1 (Villages of Patterson) and 2022-2 (Baldwin Ranch); I found no per-home amounts, so they are not in the totals.
Water: the City's water rate study schedule, CY 2026 column (linked from the City's utilities page as its water rate study), at the study's typical 13 ccf a month. I found no separate adopted-rate resolution, so the actual bill may differ slightly.
Sewer: the flat residential rate in Resolution 2021-39, last step effective July 1, 2025. A 2026 sewer rate study has been started but no new rates were adopted when this was checked.
Garbage: the three-toter rate for July 1, 2026 from the adopted five-year schedule. Electricity is TID Schedule DE for January 1, 2026, weighted 6 winter and 6 summer months at 905 kWh; gas is PG&E G-1 at the typical use used for other Central Valley cities. Insurance is the 2022 California statewide average, an old figure.
Nothing here is legal, tax or insurance advice.

Sources

How Patterson compares

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

Per year	Patterson	Median	Where it falls
Property tax rate	1.15%	1.13%	higher than 179 of the other 284 California cities we cover
Water	$681	$927	lower than 222 of the other 284 California cities we cover
Sewer and utility-bill fees	$802	$596	higher than 139 of the other 196 California cities we cover
Trash	$573	$452	higher than 202 of the other 267 California cities we cover
Electricity and gas	$2,868	$3,421	lower than 231 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	$11,505	$14,432	lower than 228 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. Water

The fact: Water here costs about $681 a year at typical use, lower than 222 of the other 284 California cities we cover.

Ask: "Water here costs about $681 a year at typical use, lower than 222 of the other 284 California cities we cover. What drives that cost, and would you change anything?"

2. Trash

The fact: Trash pickup here costs about $573 a year for the standard cart, higher than 202 of the other 267 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 $573 a year for the standard cart, higher than 202 of the other 267 California cities we cover. What drives that cost, and would you change anything about the service or the price?"

3. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,868 a year, lower than 231 of the other 284 California cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,868 a year for a typical house, lower than 231 of the other 284 California cities we cover. Which parts of that can the city influence, and what would you do about them?"

See who is running in your city →

Common questions about Patterson house costs

What is the property tax rate in Patterson?

About 1.15% of the value before exemptions a year (2025-26 tax year, Stanislaus County (tax rate areas 005 and 086, total 1.148282%; 2026-27 book not yet published)), plus flat charges on the same bill.

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

About $5,661 a year on $500,000 of the value before exemptions with the homeowners' exemption.

How much is the water bill in Patterson?

About $124 a month for water and sewer at typical use (13 units, or 9,724 gallons a month) on City of Patterson.

How much does trash pickup cost in Patterson?

$48 a month for a house.

When is property tax due in Patterson?

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.

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

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