Rancho Cordova, CA · Updated Oct 2026

What a Rancho Cordova 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 Rancho Cordova house

$12,328a year · $1,027 a month

Starts at the typical market value, $477,600; 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 Rancho Cordova house at the typical market value ($477,600) costs about $12,300 a year: $6,100 property tax and charges, $1,530 water and sewer, $500 trash, $2,710 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:

Switch to the 32-gallon cart cartUp to $79 a year
Your cart costs $41 a month; the smallest costs $35. Worth it if you rarely fill it.
How: Call Atlas Disposal Residential Customer Service at 916.288.2800.
Homeowners' exemption
The California Constitution provides a $7,000 reduction in the taxable value for a qualifying owner-occupied home.
How: File the claim with the county assessor where the property is located.
Low-income sewer bill assistance
The Sewer Lifeline Rate Assistance Program provides income-eligible customers an opportunity to save money on their sewer bill.
How: Call (916) 875-5500.
Bulky item pickup
Atlas Disposal offers up to three free bulky item pickups per year.
How: Call 916.288.2800 or email rccustomerservice@atlasdisposal.com.
Seniors, blind or disabled: property tax postponement
Senior citizens, blind or disabled persons can file affidavit and claim forms for property tax postponement for the current year.

Adjust to match your bills

What you knowTrash cartMonthly rates include recycling, organics, bulky item pickup and street sweeping ($1.61).

Value before exemptionsThis starting value is the Census median home value, not an assessed value. Enter 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.

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 Rancho Cordova house uses about 11.

Electricity, kWh a month

On your SMUD bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

May 15 – Dec 10todaySenior citizens, blind or disabled persons: affidavit and claim forms for property tax postponement for the current year.
Dec 10in 36 daysDeadline to pay the first installment of secured property taxes without penalties.
Apr 10Deadline to pay the second installment of secured property taxes without penalties.

Who serves this house

Water: Golden State Water (Cordova system); Golden State Water Arden Cordova residential metered schedule effective January 1, 2026; the service charge shown is for a 3/4-inch meter.
Property tax: 1.30% of value; 2025-26 tax year, Sacramento County (Rancho Cordova tax rate areas 08-007 and most others in the Folsom Cordova school area, 1.2967% in all)
Garbage: Atlas Disposal; Atlas Disposal offers 32-, 64- and 96-gallon containers.
Sewer: Sacramento Area Sewer District (SacSewer); Combined utility bill from Sacramento County every other month.
Electricity: SMUD; SMUD lists the City of Rancho Cordova among its jurisdiction contacts.
Gas: PG&E; Natural gas service is supplied by Pacific Gas and Electric.

Pay or manage your bills

Your water

Source: The Cordova system water is a blend of treated groundwater and surface water.
Hardness: Hardness [as CaCO3] ranged 25 - 270 mg/L in 2025, average 75.

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How these numbers are made

Water: Golden State Water Arden Cordova residential schedule R1-AC-1-R effective January 1, 2026, 3/4-inch meter: $25.43 service charge; $2.377/$2.733/$3.143 per Ccf (first 13, next 33, over 46) plus the $0.166 per Ccf CAP surcharge. Other surcharges on that schedule and the Utility reimbursement fee are not modeled. Golden State is one of four providers in the city (Cal Am, Sacramento County Water Agency Zone 40 and Folsom serve other parts); their rates were not sourced, so check the city's Water District Map.
Sewer: SacSewer collection $27.35 plus treatment and resource recovery $47.00 a month per equivalent single-family dwelling (rates effective 7/1/2026).
Garbage: Atlas Disposal monthly rate for the cart size plus the $1.61 street sweeping charge every account pays.
Property tax: Sacramento County 2025-26 rate book, Rancho Cordova tax rate area 08-007 (Folsom Cordova school area; 1.2967% total). Other areas range from 1.0555% to 1.2967%. Mello-Roos and direct charges that vary by tract are not included. The starting value is the Census median (market), not an assessed value.
Electricity: SMUD Fixed Rate RF01 weighted 4 months at $0.2189 and 8 months at $0.1371 per kWh; typical use is EIA 2024 average SMUD residential use. Gas: PG&E Schedule G-1 plus surcharge. Insurance: California statewide average (2022).
Nothing here is legal, tax or insurance advice.

Sources

How Rancho Cordova compares

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

Per year	Rancho Cordova	Median	Where it falls
Property tax rate	1.30%	1.13%	higher than 274 of the other 284 California cities we cover
Water	$641	$927	lower than 231 of the other 284 California cities we cover
Sewer and utility-bill fees	$892	$596	higher than 154 of the other 196 California cities we cover
Trash	$495	$452	higher than 164 of the other 267 California cities we cover
Electricity and gas	$2,706	$3,421	lower than 260 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	$12,328	$14,432	lower than 196 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: Rancho Cordova's property tax rate is 1.30%, higher than 274 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 Rancho Cordova is 1.30%, higher than 274 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 $641 a year at typical use, lower than 231 of the other 284 California cities we cover.

Ask: "Water here costs about $641 a year at typical use, lower than 231 of the other 284 California cities we cover. What drives that cost, and would you change anything?"

3. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $892 a year, higher than 154 of the other 196 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 $892 a year, higher than 154 of the other 196 California cities we cover. What drives that cost, and would you change anything?"

4. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,706 a year, lower than 260 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 $2,706 a year for a typical house, lower than 260 of the other 284 California cities we cover. Which parts of that can the city influence, and what would you do about them?"

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Common questions about Rancho Cordova house costs

What is the property tax rate in Rancho Cordova?

About 1.30% of the value before exemptions a year (2025-26 tax year, Sacramento County (Rancho Cordova tax rate areas 08-007 and most others in the Folsom Cordova school area, 1.2967% in all)), plus flat charges on the same bill.

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

About $6,393 a year on $500,000 of the value before exemptions with the homeowners' exemption.

How much is the water bill in Rancho Cordova?

About $128 a month for water and sewer at typical use (11 units, or 8,228 gallons a month) on Golden State Water (Cordova system).

How much does trash pickup cost in Rancho Cordova?

$35 to $55 a month, depending on the trash cart size (32-gallon cart, 64-gallon cart, 96-gallon cart).

When is property tax due in Rancho Cordova?

Dec 10: Deadline to pay the first installment of secured property taxes without penalties. Apr 10: Deadline to pay the second installment of secured property taxes without penalties.

Can seniors lower their property tax or bills in Rancho Cordova?

Yes. Seniors, blind or disabled: property tax postponement: Senior citizens, blind or disabled persons can file affidavit and claim forms for property tax postponement for the current year.

Where can I get help paying utility bills in Rancho Cordova?

Low-income sewer bill assistance: The Sewer Lifeline Rate Assistance Program provides income-eligible customers an opportunity to save money on their sewer bill. Call (916) 875-5500.

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

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