Ripon, CA · Updated Oct 2026

What a Ripon 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 Ripon house

$13,688a year · $1,141 a month

Starts at the typical market value, $704,800; your assessed value is often lower. Typical use.

A Ripon house at the typical market value ($704,800) pays about $13,700 a year: $7,350 property tax and charges, $880 water and sewer, $590 trash, $3,380 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:

Income-qualified households: PG&E CARE or FERA30–35% off electricity
CARE takes 30–35% off electricity for income-qualified households; FERA takes 18% off for incomes slightly above the CARE limit.
How: CARE application forms are also available through community agencies.
100% disabled veterans: property tax exemption$100,000+ off assessed value
The basic Disabled Veterans' Exemption, also called the $100,000 exemption, is available to qualifying claimants; a larger low-income exemption also exists.
How: File the Claim for Disabled Veterans' Property Tax Exemption; the form can be downloaded from the Cal Assessor website.
Seniors, blind or disabled: postpone property taxesDefer this year's taxes
Homeowners who are seniors, blind or have a disability can defer current-year property taxes on their home if they have at least 40% equity and household income of $45,000 or less.
How: Call the State Controller at (800) 952-5661 or email postponement@sco.ca.gov.
Low or very-low income: City utility discountDiscount on the City utility bill
The City says that if your income is in a low or very-low category, you can apply for a discount.
How: Return the Low Income Discount Application with proof of income to the City Clerk at City Hall, 259 N Wilma Ave.
Pay the year up front: 5% off base rates5% off base rates
All base rates get a 5% discount if pre-paid in full by February 11; the annual payment covers February 1 through January 31 of the following year.
How: Pay the full year with the City by February 11.

Adjust to match your bills

What you know

Value before exemptionsSome Ripon neighborhoods may also pay Community Facilities District (Mello-Roos) or assessment-district charges on the tax bill; these are not included here and vary by neighborhood. Check your own bill.

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 PG&E bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Nov 30, 2026in 38 daysLast day of San Joaquin County's 2026 filing period for a formal assessment appeal (a reduction in assessed value), filed with the Clerk of the Board of Supervisors.
Dec 10in 48 daysLast day to pay the first installment of secured property taxes without penalty.
Dec 10in 48 daysLast day to file a homeowners' or veterans' exemption claim and still receive 80% of the exemption.
Feb 11in 111 daysBase rates get a 5% discount if pre-paid in full by February 11.

Who serves this house

Water: City of Ripon; 2026 residential metered rate: $36.40 a month for a 3/4 inch meter plus $1.14 per 100 cubic feet
Property tax: 1.05% of value; 2026–27 tax year, San Joaquin County (tax rate area 005-001)
Garbage: City of Ripon; The City provides water, sewer and garbage service, and all residents within City limits are required to sign up for all three.
Sewer: City of Ripon; Single-family sewer is a flat monthly amount.
Electricity: PG&E; PG&E's electric service territory includes Ripon (ZIP code 95366).
Gas: PG&E; PG&E's gas service territory includes Ripon (ZIP code 95366).
Schools: Ripon Unified; The 2012 Measure G bonds of Ripon Unified and the 2004 Measure E bonds of Yosemite Community College are part of the property tax rate.

Pay or manage your bills

Your water

Source: All of Ripon's drinking water originates from five groundwater wells.
Hardness: The City's water quality report gives the hardness as 130 ppm as CaCO3 (range 84 to 230, tested 2023-2024).
Lead: Lead 2023 sampling: 0 sites over the action level of 15 ppb out of 30 sites sampled.
Hexavalent chromium: Hexavalent chromium was detected in Well 19 at levels above the MCL; the City's compliance date is October 1, 2027.

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How these numbers are made

Garbage: $49.00 a month for curbside pickup of the standard 90-gallon can, the City's 2026 residential rate; optional yard waste ($4.15 a month) is not included.
Water and sewer: the City's posted 2026 rates, effective February 1, 2026: water $36.40 a month for a 3/4-inch meter plus $1.14 per 100 cubic feet; sewer $27.00 a month for a single-family home. The page says voters-approved rate steps take effect each February 1 from 2026 through 2030. The City publishes no typical water use, so the page starts at its default use.
Property tax: San Joaquin County's 2026-27 rates for tax rate area 005-001, a Ripon Unified area; every Ripon USD area (005-xxx) listed there shows the same 1.0529%: 1% general levy, 0.0311% Ripon USD bonds and 0.0218% Yosemite College bonds, less the $7,000 homeowners' exemption. The starting value is the Census median market value; Prop 13 assessed values of long-time owners are often lower.
Not included: Community Facilities District (Mello-Roos) and assessment-district charges that some parcels pay; check your own tax bill.
Electricity and gas: PG&E's E-1 and G-1 tariffs with the same baseline territory (S) and averaging as other San Joaquin County pages; Ripon has no city-run electric or gas utility.
Nothing here is legal, tax or insurance advice.

Sources

Common questions about Ripon house costs

What is the property tax rate in Ripon?

About 1.05% of the value before exemptions a year (2026–27 tax year, San Joaquin County (tax rate area 005-001)), plus flat charges on the same bill.

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

About $5,191 a year on $500,000 of the value before exemptions with the homeowners' exemption.

How much is the water bill in Ripon?

About $74 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on City of Ripon.

How much does trash pickup cost in Ripon?

$49 a month for a house.

When is property tax due in Ripon?

Dec 10: Last day to pay the first installment of secured property taxes without penalty. Apr 10: Last day to pay the second installment of secured property taxes without penalty.

Can seniors lower their property tax or bills in Ripon?

Yes. Seniors, blind or disabled: postpone property taxes: Homeowners who are seniors, blind or have a disability can defer current-year property taxes on their home if they have at least 40% equity and household income of $45,000 or less.

Where can I get help paying utility bills in Ripon?

Income-qualified households: PG&E CARE or FERA: CARE takes 30–35% off electricity for income-qualified households; FERA takes 18% off for incomes slightly above the CARE limit. CARE application forms are also available through community agencies.

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

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