Poway, CA · Updated Oct 2026

What a Poway 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 Poway house

$18,672a year · $1,556 a month

Starts at the typical market value, $1,034,800; your assessed value is often lower. Typical use.

A Poway house at the typical market value ($1,034,800) pays about $18,700 a year: $11,610 property tax and charges, $2,060 water and sewer, $400 trash, $3,110 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

One change saves this house about $109 a year:

Choose the 35-gallon cart
$109 a year
The 35-gallon cart with recycling and organics is $24.27 a month and the 95-gallon cart is $33.39 a month, both billed to the occupant.
How: Call EDCO at 858-748-7769.

Worth checking

Switch to the 35-gallon waste cart with recycling and organics cartUp to $109 a year
Your cart costs $33 a month; the smallest costs $24. Worth it if you rarely fill it.
How: To establish service, contact EDCO at 858-748-7769.
FERA: 18% bill discount18% off electric
Customers enrolled in Family Electric Rate Assistance (FERA) Program will receive a separate line-item bill discount of 18% applied to the total bill (a lower Base Services Charge applies to FERA customers).
How: If you are having difficulty with living expenses, visit sdge.com/assistance.
CARE households: 20% off20% off
Customers enrolled in the California Alternate Rates for Energy (CARE) program receive a 20% discount on their bill.
How: See SDG&E discount programs at sdge.com/assistance.

Adjust to match your bills

What you knowTrash cartRates for the carts listed, billed to the occupant, effective 07/01/26.

Value before exemptionsUnder Prop 13 your assessed value is usually below market value if you bought years ago: enter the assessed value from your tax bill.

I live here and have the Homeowners' exemption

Home insurance, a yearFrom your policy. We start at $1,492, California statewide average, 2022 (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 SDG&E bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Nov 30in 38 daysAn appeal is filed with the Clerk of the Assessment Appeals Boards. The filing period is July 2nd through November 30th of each year.
Dec 10in 48 daysFirst property tax installment delinquent after close of business; 10% penalty after that.
Feb 15in 115 daysHomeowners' exemption deadline for the full exemption (about $70); late filings through December 10 get 80%.
Apr 10Second property tax installment payment deadline; 10% penalty plus $10 cost added to payments made after this date.

Who serves this house

Water: City of Poway; Rates from January 21, 2026: a bimonthly meter charge by meter size and one uniform charge for each unit of treated water; one unit is approximately 748 gallons.
Property tax: 1.13% of value; 2025-26 tax year, San Diego County (tax rate area 17001)
Garbage: EDCO; All trash, recycling and organics recycling collection services are provided by EDCO Disposal.
Sewer: City of Poway; Single-family sewer rates are based on winter water use and stay the same for twelve months.
Electricity: SDG&E; Poway is named in SDG&E’s service territory
Gas: SDG&E; Poway is named in SDG&E’s service territory

Pay or manage your bills

Your water

Source: Water is imported from the San Diego County Water Authority and local rainfall is captured by Lake Poway.
Lead: In 2025 the 90th percentile for lead was ND (non-detect), with 0 of 30 sites above the action level of 15 ppb.

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How these numbers are made

Individual bills are not public, so we calculate yours from public rates and what you tell us.
Garbage (EDCO): $24.27 for the 35-gallon cart and $33.39 for the 95-gallon cart, the rates the City lists as effective July 1, 2026 for customers billed directly.
Water (City of Poway, rates from January 21, 2026): the bimonthly 5/8-inch meter charge of $81.54 is halved to a monthly figure; the uniform rate is $8.21 per unit. Poway bills every two months; one unit is about 748 gallons, treated here as 1 CCF.
Sewer: the bimonthly fixed charge of $33.36 is halved. The single-family commodity charge is $5.30 per unit on 85% of lowest winter water use (flow not to exceed 24 units a bimonthly bill). We treat your monthly use as winter use, so the calculator uses $4.505 (5.30 x 0.85) per unit of use, with the cap at 14.12 units of use a month (12 billed units); your actual charge depends on your own winter use.
Property tax: tax rate area 17001 in the County's FY 2025-26 rate book (total 1.12809, shared by most Poway tax rate areas): 1% + Poway Unified bonds .03594 + .01112 + .024 and Palomar College .01903 (school tax total .09009) + Palomar Health Prop BB .031 + MWD .007. Poway parcels may also carry city direct charges (fire protection special tax, roadway lighting, landscape districts) and a county radio equipment charge; their amounts could not be sourced per parcel, so they are not included. Check the direct charges on your bill.
Electricity and gas: SDG&E bundled rates, 400 kWh and 24 therms a month, electric is SDG&E's April 2026 TOU-DR1 average bundled bill of $194 less the $24.13 base charge over 400 kWh; gas is the March 2026 typical non-CARE bill of $65.08 less the $3.95 fixed charge over 24 therms. Insurance: $1,492 is the 2022 California statewide average, the newest figure we could source; premiums have likely changed since.
The CARE 20% discount is quoted from SDG&E's natural gas rate notice.
Nothing here is legal, tax or insurance advice.

Sources

Common questions about Poway house costs

What is the property tax rate in Poway?

About 1.13% of the value before exemptions a year (2025-26 tax year, San Diego County (tax rate area 17001)), plus flat charges on the same bill (County vector control assessment $13).

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

About $5,575 a year on $500,000 of the value before exemptions with the homeowners' exemption, including $13 of flat charges.

How much is the water bill in Poway?

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

How much does trash pickup cost in Poway?

$24 to $33 a month, depending on the trash cart size (35-gallon waste cart with recycling and organics, 95-gallon waste cart with recycling and organics).

When is property tax due in Poway?

Dec 10: First property tax installment delinquent after close of business; 10% penalty after that. Apr 10: Second property tax installment payment deadline; 10% penalty plus $10 cost added to payments made after this date.

Where can I get help paying utility bills in Poway?

FERA: 18% bill discount: Customers enrolled in Family Electric Rate Assistance (FERA) Program will receive a separate line-item bill discount of 18% applied to the total bill (a lower Base Services Charge applies to FERA customers). If you are having difficulty with living expenses, visit sdge.com/assistance.

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

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