Riverbank, CA · Updated Oct 2026

What a Riverbank 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 Riverbank house

$12,299a year · $1,025 a month

Starts at the typical market value, $463,200; your assessed value is often lower. Typical use.

Shopping for home insurance?

Insurers charge very different prices for the same house and coverage. California's free premium survey lists each insurer's price.

Compare insurers' prices

A Riverbank house at the typical market value ($463,200) costs about $12,300 a year: $5,450 property tax and charges, $1,500 water and sewer, $480 trash, $3,380 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

One change saves this house about $54 a year:

Bring water use down to 5 units
$54 a year
Above 5 units a month, City of Riverbank charges $1.12 a unit instead of $0.00.
How: Most of the top tier is outdoor watering: fix leaks and water less often in summer.

Worth checking

Switch to the 30-gallon trash cart plus 90-gallon organics cart cartUp to $39 a year
Your cart costs $40 a month; the smallest costs $37. Worth it if you rarely fill it.
How: Garbage bin changes: use the Service Change application on Riverbank Community Connect.
Income-qualified households: CARE or FERA electricity discounts30–35% off electricity (CARE)
Large California electric utilities offer a 30–35% CARE discount; FERA takes 18% off electricity bills for families whose income slightly exceeds CARE limits.
How: Application forms are also available through community agencies.
Seniors and permanently disabled on very low income: utility discount$49.70 off every 2 months
The City discounts water ($22.00), sewer ($16.00) and garbage ($11.70) every 2 months for qualifying seniors (65+ for water and sewer, 60+ for garbage) and permanently disabled residents on extremely low incomes.
How: Applications are accepted year round; see the City of Riverbank Utility Rate Assistance Program page.
Bulky item pickup twice a year
Gilton Solid Waste provides bulky item pickup two times per year per customer.
How: Call Gilton at 209-527-3781 or use their website to schedule.
Curbside e-waste pickup four times a year
Gilton provides curbside e-waste pickup at your home four times per year per customer.
How: Call Gilton at 209-527-3781 or use their website to schedule.

Adjust to match your bills

What you knowTrash cartRates effective 9/1/2026; the City lists them per month and per bimonthly bill.

Value before exemptionsSome Riverbank neighborhoods also pay landscape and lighting assessments (for example River Cove, Ridgewood Place, Sierra Vista, Crossroads) on the tax bill; these are not included and vary by parcel. 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, thousands of gallons a month

On your water bill. A typical house uses 5,000–8,000 gallons.

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 9, 2026in 5 daysUtility bills are due 7 days after the mailing date; the 2026 due dates run through 11/09/2026.
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.

Who serves this house

Water: City of Riverbank; The City lists a $27.07 monthly rate for a 1.5" or smaller residential meter and a variable charge of $0.000840 per gallon. Its New Resident Packet lists $54.14 for the first 7,480 gallons and $0.00084 per gallon on remaining. The City's web table does not state a free allowance; the 7,480-gallon allowance comes from the packet. The City also lists a drought surcharge of $0.000396 per gallon, charged only when the State has declared a drought emergency.
Property tax: 1.20% of value; 2025-26 tax year, Stanislaus County (tax rate area 006-001)
Garbage: Gilton Solid Waste (City contract); The City of Riverbank contracts out to Gilton Solid Waste for residential garbage service; billed bimonthly.
Sewer: City of Riverbank; Sewer base rate of $95.12 a month from 01/01/2026.
Electricity: PG&E; PG&E's electric service area map lists Riverbank (ZIP 95367); MID's electric service area includes parts of Riverbank.
Gas: PG&E; PG&E's gas service area map lists Riverbank (ZIP 95367).

Pay or manage your bills

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How these numbers are made

Water, sewer and garbage are billed together every two months; each is shown here as a monthly figure (sewer $190.24 / 2, water meter charge $27.07 a month as the City lists it).
Water: monthly meter charge $27.07 plus $0.84 per 1,000 gallons ($0.000840 per gallon); the first 7,480 gallons per bimonthly bill (3,740 a month) are modelled as included, following the City's New Resident Packet. No typical use is published, so the page default is used.
Garbage is the 90-gallon trash cart ($26.61) plus the 90-gallon organics cart ($13.48), the City's monthly rates effective 9/1/2026.
Property tax uses Stanislaus County 2025 tax rate area 006-001 (1.1951%) on the Census median home value; other tax rate areas differ slightly. Electricity and gas are PG&E E-1 and G-1 as in nearby PG&E cities; MID serves parts of Riverbank and its rates differ.
Insurance is the 2022 California statewide average, not a Riverbank figure.
The drought surcharge ($0.000396 per gallon, only during a State-declared drought emergency) is not modelled. The City's water rates are its current published schedule.
Drought surcharge is excluded from modelled bills (only applies in a declared drought emergency).
Nothing here is legal, tax or insurance advice.

Sources

How Riverbank compares

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

Per year	Riverbank	Median	Where it falls
Property tax rate	1.20%	1.13%	higher than 231 of the other 284 California cities we cover
Water	$355	$927	lower than 274 of the other 284 California cities we cover
Sewer and utility-bill fees	$1,141	$596	higher than 178 of the other 196 California cities we cover
Trash	$481	$452	higher than 155 of the other 267 California cities we cover
Electricity and gas	$3,377	$3,421	lower than 155 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	$12,299	$14,432	lower than 198 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: Riverbank's property tax rate is 1.20%, higher than 231 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 Riverbank is 1.20%, higher than 231 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 $355 a year at typical use, lower than 274 of the other 284 California cities we cover.

Ask: "Water here costs about $355 a year at typical use, lower than 274 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 $1,141 a year, higher than 178 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 $1,141 a year, higher than 178 of the other 196 California cities we cover. What drives that cost, and would you change anything?"

See who is running in your city →

Common questions about Riverbank house costs

What is the property tax rate in Riverbank?

About 1.20% of the value before exemptions a year (2025-26 tax year, Stanislaus County (tax rate area 006-001)), plus flat charges on the same bill.

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

About $5,892 a year on $500,000 of the value before exemptions with the homeowners' exemption.

How much is the water bill in Riverbank?

About $125 a month for water and sewer at typical use (7,000 gallons a month) on City of Riverbank.

How much does trash pickup cost in Riverbank?

$37 to $40 a month, depending on the trash cart size (90-gallon trash cart plus 90-gallon organics cart, 30-gallon trash cart plus 90-gallon organics cart).

When is property tax due in Riverbank?

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.

Can seniors lower their property tax or bills in Riverbank?

Yes. Seniors and permanently disabled on very low income: utility discount: The City discounts water ($22.00), sewer ($16.00) and garbage ($11.70) every 2 months for qualifying seniors (65+ for water and sewer, 60+ for garbage) and permanently disabled residents on extremely low incomes.

Where can I get help paying utility bills in Riverbank?

Income-qualified households: CARE or FERA electricity discounts: Large California electric utilities offer a 30–35% CARE discount; FERA takes 18% off electricity bills for families whose income slightly exceeds CARE limits. Application forms are also available through community agencies.

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

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