San Bernardino, CA · Updated Oct 2026

What a San Bernardino 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 San Bernardino house

$11,656a year · $971 a month

Starts at the typical market value, $422,300; 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 San Bernardino house at the typical market value ($422,300) costs about $11,700 a year: $4,880 property tax and charges, $1,180 water and sewer, $380 trash, $3,730 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:

Homeowners' exemption: $7,000 off taxable value
A qualifying owner-occupied home gets a $7,000 reduction in taxable value if it was the owner's principal residence on January 1.

Money dates

Nov 30, 2026in 26 daysThe 2026 regular assessment appeal filing period in San Bernardino County runs from July 2, 2026, to November 30, 2026.
Feb 15in 103 daysLast day to file a first-time homeowners' exemption claim and receive the full exemption for that year.

Who serves this house

Water: City of San Bernardino Municipal Water Department; Rates effective July 1, 2026: a monthly meter service charge by meter size plus three single-family tiers per hundred cubic feet (hcf).
Property tax: 1.17% of value; 2026-27 tax year, San Bernardino County
Garbage: Burrtec Waste Industries; The City of San Bernardino and Burrtec Waste Industries, Inc. provide solid waste collection service.
Sewer: San Bernardino Municipal Water Department; Inside-City users are charged a combined sewer treatment and collection charge.

Pay or manage your bills

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How these numbers are made

Modelling: the gas per-therm figure is derived from the $68.91 average bill, not a tariff rate; the SCE TOU-D-4-9 table total is $0.37240.
Garbage: City page lists Single Family 95-gal $31.41 (FY 25-26 column); the City's 2026-2027 Burrtec exhibit (DocumentCenter/View/10288) also shows Residential barrel $31.41 effective 8/1/26, so $31.41 stands for FY 26-27 too.
Nothing here is legal, tax or insurance advice.

Sources

How San Bernardino compares

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

Per year	San Bernardino	Median	Where it falls
Property tax rate	1.17%	1.13%	higher than 218 of the other 284 California cities we cover
Water	$529	$927	lower than 250 of the other 284 California cities we cover
Sewer and utility-bill fees	$649	$596	higher than 112 of the other 196 California cities we cover
Trash	$377	$452	lower than 202 of the other 267 California cities we cover
Electricity and gas	$3,732	$3,421	higher than 236 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	$11,656	$14,432	lower than 223 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: San Bernardino's property tax rate is 1.17%, higher than 218 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 San Bernardino is 1.17%, higher than 218 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 $529 a year at typical use, lower than 250 of the other 284 California cities we cover.

Ask: "Water here costs about $529 a year at typical use, lower than 250 of the other 284 California cities we cover. What drives that cost, and would you change anything?"

3. Trash

The fact: Trash pickup here costs about $377 a year for the standard cart, lower 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 $377 a year for the standard cart, lower 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?"

4. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $3,732 a year, higher than 236 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 $3,732 a year for a typical house, higher than 236 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 San Bernardino house costs

What is the property tax rate in San Bernardino?

About 1.17% of the value before exemptions a year (2026-27 tax year, San Bernardino County), plus flat charges on the same bill.

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

About $5,791 a year on $500,000 of the value before exemptions with the homeowners' exemption.

How much is the water bill in San Bernardino?

About $98 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on City of San Bernardino Municipal Water Department.

How much does trash pickup cost in San Bernardino?

$31 a month for a house.

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

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