San Pablo, CA · Updated Oct 2026

What a San Pablo 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 San Pablo house

$11,897a year · $991 a month

Starts at $276,415 of value before exemptions. Typical use.

Property tax$3,434
1.275% of $276,415, less $7,000 homeowners' exemption
Flat charges on the tax bill$1,379
Sewer $912 · WCCUSD parcel tax (Measure T, by building size) $78 · WCCUSD assessment $72 · AC Transit parcel tax $96 · West Contra Costa Healthcare District parcel tax $52 · Stormwater charge (FED STORMWATER A14 on the bill) $45 · San Pablo street lighting (ST LT) $82 · SF Bay Restoration Authority parcel tax (Measure AA) $12 · East Bay Regional Park District CFD A/C-3 $12 · Emergency medical services charge (EMERGENCY MED B) $10 · East Bay regional trails assessment $5 · Mosquito & vector control $3
Electricity and gas$4,057
500 kWh a month $2,803 · 31.72 therms $989 · city utility tax $265
Water$907
5 units (CCF) a month on East Bay Municipal Utility District (EBMUD): water $71, city utility tax $5 a month
Trash$628
35-gal trash, $52 a month
Home insurance$1,492
Typical premium $1,492

A typical San Pablo house pays about $11,900 a year: $4,810 property tax and charges, $910 water, $630 trash, $4,060 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:

Switch to the 20-gal mini-can cartUp to $134 a year
Your cart costs $52 a month; the smallest costs $41. Worth it if you rarely fill it.
How: Call your garbage hauler.
Seniors 65+: WCCUSD parcel tax exemptionMeasure T parcel tax waived
Owners 65 or older who live in their single-family home can be exempted from the school district's Measure T parcel tax. Once filed, the exemption renews automatically each year; it must be filed again after a move.
How: Apply through the online application portal (OAP.SCI-CG.COM) with a current property tax bill, a California driver's license, ID card or passport, and a current utility bill; forms are due June 30 each year. Questions: (844) 332-0549.
Seniors and low-income: Republic Services reduced rate$5 a month less
Republic Services lists a Low Income/Senior rate: $47.37 a month instead of $52.37 for a 35-gallon cart (January 2026 rates).
Low-income households: EBMUD Customer Assistance Program50% off water service charge
Eligible single-family customers can get 50% off the standard bimonthly water service charge and 50% off home water use (up to 1,050 gallons per person a month), plus 35% off EBMUD wastewater service and flow charges. A household of 1-2 qualifies with income of $67,900 or less. Enrollment lasts up to two years.
How: Apply online through EBMUD's CAP application.
Income-qualified households: PG&E CARE or FERA30–35% off electricity
CARE takes 30–35% off electricity and drops the base services charge to $6 a month; FERA takes 18% off for incomes slightly above the CARE limit.
How: Apply with PG&E; application forms are also available through community agencies.
EBMUD lawn conversion rebateUp to $2.00 per sq. ft.
EBMUD pays up to $2.00 per square foot to convert a lawn to a water-wise garden; landscape rebates for a home are capped at $2,000 in any 24-month period.
How: Apply through EBMUD's rebates page.

Adjust to match your bills

What you knowTrash cartRepublic Services' San Pablo rate for each cart size is the collection charge plus the IRRF charge. A few parcels pay garbage on the property tax bill instead.

Value before exemptionsEnter the assessed (net) value from your tax bill: under Prop 13 it is often well below what the house would sell for. The WCCUSD Measure T parcel tax is 7.2 cents per square foot of building, so it varies by house, as does the street lighting line ($70.88 to $81.50 on the three bills we sampled). Some parcels also pay garbage on the tax bill (one sampled bill had a $660.18 San Pablo garbage line); we count garbage at Republic Services' rate instead.

I live here and have the Homeowners' exemptionSomeone on the title is 65 or older

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 San Pablo house uses about 5.

Electricity, kWh a month

On your PG&E delivery with MCE Light Green generation bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Nov 1in 9 daysFirst property tax installment due Nov 1, 2026; a 10% late-payment penalty is added after Dec 10, 2026.
Nov 30, 2026in 38 daysLast day of Contra Costa County's 2026 assessment appeal filing period (opened July 2).
Feb 1in 101 daysSecond installment due Feb 1, 2027; a 10% late-payment penalty and $20 cost are added after April 12, 2027.
Feb 15in 115 daysLast day for a first-time homeowners' exemption claim to get the full exemption for that year.

Who serves this house

Water: East Bay Municipal Utility District (EBMUD); EBMUD rates effective July 1, 2026: a $28.60 monthly service charge for a 5/8 or 3/4 inch meter ($57.20 on a bimonthly bill) plus $8.40 per unit (CCF) for the first 7 units a month, $9.74 from 7 to 16 units and $11.49 above 16 units. Homes in Elevation Bands 2 and 3 pay an elevation surcharge of $1.33 or $2.84 per unit
Property tax: 1.27% of value; 2026-27 tax year, Contra Costa County (San Pablo tax rate area 11019)
Garbage: Republic Services; Republic Services lists San Pablo residential rates by cart size, with a price per month and per 3 months of service.
Sewer: WCWD; The WCWD sewer charge appears on the annual property tax bill.
Electricity: MCE generation, PG&E delivery; San Pablo is an MCE member community (since 2015): MCE is the default electricity generation provider, and PG&E delivers the power and sends the bill.
Gas: PG&E; San Pablo is in PG&E's gas service territory.
Schools: West Contra Costa Unified School District; West Contra Costa Unified bonds and community college bonds are part of the property tax rate; the school district also has a parcel tax and an assessment on the bill.

Pay or manage your bills

Your water

Source: EBMUD's main supply is snow and rain in the Mokelumne River watershed in the Sierra Nevada, carried 90 miles by aqueduct to East Bay treatment plants and reservoirs.
Lead: EBMUD says its treatment plants supply no lead; in its tap sampling, 0 of 53 sites were above the lead action level.
PFAS: EBMUD has finished its initial PFAS monitoring under the new rules, and all results so far have met the standards.
Utility tax: EBMUD's bill guide lists a voter-approved tax on water service charges collected for San Pablo (also El Cerrito and Hercules).

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How these numbers are made

Garbage: Republic Services' San Pablo residential rates effective January 2026, each the total of the collection charge and the IRRF charge: $41.21 a month for a 20-gallon mini-can, $52.37 for a 35-gallon cart, $99.06 for 65 gallons and $147.54 for 95 gallons. A few parcels pay garbage on the tax bill instead (one sampled bill: $660.18); two of three sampled bills had no garbage line, so it is not counted in the tax bill's flat charges.
Water: EBMUD Schedule A from July 1, 2026, monthly-billing column: $28.60 service charge for a 5/8 or 3/4 inch meter, $8.40 per unit for the first 7 units, $9.74 to 16 units and $11.49 above. We assume Elevation Band 1 (no surcharge). The page starts at 5 units a month, EBMUD's median single-family use. San Pablo's 7% utility users tax (city code Ch. 3.40) is imposed on water, electricity and gas charges; EBMUD collects it on water. The calculator applies it to the water charge only: the sewer charge is on the property tax bill, so no utility tax is added to it.
Sewer: the West County Wastewater District's $912 single-family flat rate (Schedule of User Fees effective July 1, 2026), the amount on three sampled 2026-27 property tax bills, counted with the sewer line rather than the tax bill's other flat charges.
Property tax: Contra Costa County 2026-27 rates for tax rate area 11019, the most common San Pablo tax rate area for single-family parcels in the county's parcel data (1,048 of about 3,480; 11031 and 11036, the next two, had the same 1.2746% rate and the same lines on the bills we sampled): 1% countywide tax, 0.2413% West Contra Costa Unified bonds (six issues), 0.0152% community college bonds, 0.0163% BART and 0.0018% East Bay Regional Park District, 1.2746% in all, less the $7,000 homeowners' exemption. Flat charges are read from a 2026-27 secured bill for a tax-rate-area 11036 home assessed near the city median (Measure T $77.68 for about 1,080 sq ft; street lighting $81.50 varies by parcel).
The starting value is the median 2026 assessed value of single-family parcels (use code 11) with a San Pablo address in San Pablo tax rate areas, $276,415; under Prop 13 recent buyers have higher assessed values.
Energy: PG&E schedule E-1 (non-CARE, Income Tier 3) with MCE Light Green generation, the default for San Pablo (an MCE member since 2015): $0.37292 per kWh up to the baseline and $0.45433 above, plus PG&E's $0.79343 a day base charge, using PG&E baseline territory T, which Part A of PG&E's Preliminary Statement defines as the westerly part of Contra Costa County south of Pinole's city limits (San Pablo's position, with Pinole just north, is our reading of that boundary), with the same MCE and PG&E rates as Pinole; E-1 is the sheet effective June 1, 2026, MCE generation effective April 1, 2026. Gas: PG&E G-1 (Oct. 1, 2026) $2.42480 and $2.92792 per therm plus the $0.12103 surcharge. San Pablo's 7% utility users tax is added to electricity and gas. Typical use is EIA's PG&E and California residential averages. Insurance is the 2022 California average homeowners premium (NAIC via the Insurance Information Institute), the latest year we could find from a free source.
Nothing here is legal, tax or insurance advice.

Sources

Common questions about San Pablo house costs

What is the property tax rate in San Pablo?

About 1.27% of the value before exemptions a year (2026-27 tax year, Contra Costa County (San Pablo tax rate area 11019)), plus flat charges on the same bill (Sewer $912, WCCUSD parcel tax (Measure T, by building size) $78, WCCUSD assessment $72, AC Transit parcel tax $96).

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

About $7,663 a year on $500,000 of the value before exemptions with the homeowners' exemption, including $1,379 of flat charges.

How much is the water bill in San Pablo?

About $71 a month for water at typical use (5 units, or 3,740 gallons a month) on East Bay Municipal Utility District (EBMUD).

How much does trash pickup cost in San Pablo?

$41 to $148 a month, depending on the trash cart size (20-gal mini-can, 35-gal trash, 65-gal trash, 95-gal trash).

When is property tax due in San Pablo?

Nov 1: First property tax installment due Nov 1, 2026; a 10% late-payment penalty is added after Dec 10, 2026. Feb 1: Second installment due Feb 1, 2027; a 10% late-payment penalty and $20 cost are added after April 12, 2027.

Can seniors lower their property tax or bills in San Pablo?

Yes. Seniors 65+: WCCUSD parcel tax exemption: Owners 65 or older who live in their single-family home can be exempted from the school district's Measure T parcel tax. Once filed, the exemption renews automatically each year; it must be filed again after a move.

Where can I get help paying utility bills in San Pablo?

Seniors and low-income: Republic Services reduced rate: Republic Services lists a Low Income/Senior rate: $47.37 a month instead of $52.37 for a 35-gallon cart (January 2026 rates).

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

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