San Ramon, CA · Updated Oct 2026

What a San Ramon 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 Ramon house

$19,932a year · $1,661 a month

Starts at $1,112,329 of value before exemptions. Typical use.

Property tax$12,111
1.096% of $1,112,329, less $7,000 homeowners' exemption
Flat charges on the tax bill$1,105
Sewer $784 · SRVUSD parcel tax (Measure Q) $144 · San Ramon landscape & lighting district (SAN RAMON LLD) $116 · County stormwater charge (FED STORMWATER A15) $35 · SF Bay Restoration Authority parcel tax (Measure AA) $12 · East Bay regional trails assessment $5 · Mosquito & vector control $5 · Emergency medical services charge (EMERGENCY MED A) $4
Electricity and gas$3,705
500 kWh a month $2,726 · 31.72 therms $979
Water$927
5 units (CCF) a month on East Bay Municipal Utility District (EBMUD): water $77 a month
Trash$592
35-gal garbage, $49 a month
Home insurance$1,492
Typical premium $1,492

A typical San Ramon house pays about $19,900 a year: $13,220 property tax and charges, $930 water, $590 trash, $3,710 electricity and gas, $1,490 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 21, 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 $144 a year:

Seniors 65+: SRVUSD parcel tax exemption
$144 a year
A parcel owned and occupied by a person 65 or older is exempt from the school district's $144-a-year Measure Q parcel tax on application; income-qualified owners receiving SSI or SSDI for a disability can also be exempt. You file only once, unless you move to another home in the district.
How: Seniors: the Senior Citizen Exemption Form must be received by May 31 for the upcoming tax year; you must be 65 by July 1, live in the home as your primary residence and have the homeowners' exemption (HEX). SSI/SSDI recipients use the SSI/SSDI Exemption Form.

Worth checking

Switch to the 20-gal garbage cartUp to $108 a year
Your cart costs $49 a month; the smallest costs $40. Worth it if you rarely fill it.
How: Contact ACI of San Ramon or log in to your ACI account to request a cart exchange; ACI does one exchange every 12 months at no charge.
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). 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.
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.
Three neighborhood clean-up days a yearUp to 3 cubic yards per set out
ACI schedules neighborhood clean-up days three times a year: up to 3 cubic yards of materials, up to 4 tires and up to 2 bulky items per set out; a fee is charged for materials over 3 cubic yards.
How: Look up your neighborhood's dates at sanramonrecycles.com/cleanup and set items within 3 feet of the curb by 5:30 a.m. on the day.
Seniors, blind or disabled: postpone property taxesDefer this year's taxes
The State Controller's Property Tax Postponement program lets eligible homeowners postpone payment of current-year property taxes on their primary residence.
How: Go to www.ptp.sco.ca.gov, call (800) 952-5661 or email postponement@sco.ca.gov.

Adjust to match your bills

What you knowTrash cartThe price is set by the size of your garbage cart and includes a 64-gallon recycling cart and a 64-gallon organics cart. Most San Ramon households have 35-gallon service.

Value before exemptionsAbout 4 in 10 homes (Dougherty Valley) have no city LLD line but pay M-29 $1,810.32, DSRSD $201.32 + $170.74 and GHAD $181.68 — about $2,248 a year more than shown; Windemere tracts there (tax rate areas 17133 to 17135) also pay two Windemere special taxes, $2,877.92 to $3,108.58 a year on the bills we sampled. In south and west San Ramon (tax rate areas 17008, 17001 and 17076) DSRSD's $559.02 sewer charge replaces Central San's $784.00. The San Ramon landscape and lighting (LLD) line is $115.98 on many bills, up to $895.98 on others. EBMUD serves San Ramon outside Dougherty Valley; Dougherty Valley's water comes from DSRSD (rates not shown), except a portion under EBMUD's jurisdiction. Enter the assessed (net) value from your tax bill: under Prop 13 it is often well below what the house would sell for.

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 Ramon 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; pay by Dec 10, 2026 to avoid a 10% late-payment penalty.
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; after April 12, 2027 a 10% late-payment penalty and a $20 cost are added.
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 serves San Ramon outside Dougherty Valley; Dougherty Valley's water comes from DSRSD (rates not shown), except a portion under EBMUD's jurisdiction. 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. Bills for services in Elevation Band 2 add an elevation surcharge of $1.33 per unit, and Elevation Band 3 adds $2.84; the surcharge pays for pumping water to locations 200 or more feet above sea level
Property tax: 1.10% of value; 2026-27 tax year, Contra Costa County (San Ramon tax rate area 17003)
Garbage: ACI of San Ramon; Alameda County Industries of San Ramon (ACI) collects garbage, recyclables and organics under an exclusive franchise with the City of San Ramon. Curbside customers are billed quarterly, and the rate is set by the size of the garbage cart.
Sewer: Central San or DSRSD; The sewer charge is on the annual property tax bill. Central San's charge is labeled CCCSD SEWER CHG ($784.00 on a sampled bill in tax rate area 17003); DSRSD's sewer service charge is $559.02 on a sampled bill in tax rate area 17008.
Electricity: MCE generation, PG&E delivery; San Ramon is an MCE member community (since 2018): MCE is the default electricity generation provider, and PG&E delivers the power and sends the bill.
Gas: PG&E; San Ramon is in PG&E's gas service territory.
Schools: San Ramon Valley Unified School District; San Ramon Valley Unified bonds and community college bonds are part of the property tax rate; the school district's $144 Measure Q parcel tax is also 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.

Other CA cities

How these numbers are made

Garbage: ACI of San Ramon's 2026 single-family curbside rates (January 1 to December 31, 2026), billed quarterly in advance and shown here per month (quarterly rate / 3): $40.35 for a 20-gallon garbage cart, $49.31 for 35 gallons (the size most households have, per the City), $81.20 for 64 gallons and $129.32 for 96 gallons, each including a 64-gallon recycling cart and a 64-gallon organics cart.
Water: EBMUD Schedule A from July 1, 2026, monthly-billing column: $28.60 service charge for a 5/8 or 3/4 inch meter and $8.40, $9.74 and $11.49 per unit (to 7, to 16 and above 16 units a month), plus the $1.33 Elevation Band 2 surcharge on every unit ($9.73, $11.07, $12.82). EBMUD sets the band by pressure zone; we assume Band 2 because the surcharge covers pumping to places 200 feet or more above sea level and San Ramon's valley floor is roughly 470 to 550 feet (USGS elevation points); hillside homes in Band 3 pay $1.51 more per unit than shown, and Band 1 would pay $1.33 less. The page starts at 5 units a month, EBMUD's median single-family use. EBMUD serves San Ramon outside Dougherty Valley; Dougherty Valley's water comes from DSRSD (Dougherty Valley Specific Plan), except a portion under EBMUD's jurisdiction. DSRSD's rates are not shown: its website blocks automated downloads.
Sewer: Central San's $784.00 single-family charge (Ordinance 339, from July 1, 2026), on the tax bill as CCCSD SEWER CHG, counted with the tax bill's flat charges. It is on all 11 bills we sampled in tax rate areas 17003 (4), 17006 (1) and Dougherty Valley (6, in 17126, 17127, 17133, 17134 and 17135); those areas hold 6,316 of San Ramon's 10,494 single-family parcels (about 60%). Tax rate areas 17008, 17001 and 17076 (4,175 parcels, about 40%) carry DSRSD's $559.02 sewer service charge instead, on all 6 bills we sampled there. There is no sewer charge on the EBMUD bill.
Property tax: Contra Costa County 2026-27 rates for tax rate area 17003, San Ramon's largest tax rate area by parcels (5,099 including condominiums and townhouses; 17008 has the most single-family parcels, 3,494 of 10,494, and the same rates and flat lines except sewer). Every San Ramon bill we sampled (tax rate areas 17003, 17006, 17008 and 17127) had the same 1.0957% rate: 1% countywide tax, 0.0624% San Ramon Valley Unified bonds (2002 and 2012 issues), 0.0152% community college bonds, 0.0163% BART and 0.0018% East Bay Regional Park District, less the $7,000 homeowners' exemption. Flat charges on 17003 bills ($1,105.10 a year with sewer, the total printed on the bill): Central San sewer $784.00, SRVUSD Measure Q parcel tax $144, San Ramon landscaping and lighting $115.98 (on many bills, up to $895.98 on others), county stormwater $35, Measure AA $12, regional trails $5.44, mosquito and vector control $4.74 and emergency medical services $3.94.
Not included because they vary by neighborhood: about 4 in 10 homes (Dougherty Valley) have no city LLD line but pay a $1,810.32 county service area M-29 charge, DSRSD Dougherty Valley lines of $201.32 and $170.74 and a $181.68 geologic hazard (GHAD) assessment, with the same $784.00 Central San sewer charge: $3,353.18 of flat charges on the bills we sampled in 17126 and 17127, about $2,248 a year more than the $1,105.10 shown. Windemere tracts (17133 to 17135, 1,273 parcels) also pay Windemere CFD 04-2 and Ranch 99-1 special taxes, $2,877.92 to $3,108.58 a year on the three bills we sampled. The starting value is the median 2026 assessed value of single-family parcels (use code 11) with a San Ramon address in San Ramon tax rate areas, $1,112,329 (Census ACS 2020-2024 median market value of owner-occupied homes: $1,509,500); under Prop 13 recent buyers have higher assessed values.
Electricity: PG&E schedule E-1 for a non-CARE (Income Tier 3) home with MCE Light Green generation, the default for San Ramon (an MCE member since 2018). Delivery is PG&E's E-1 total bundled rate ($0.32561 Tier 1, $0.40702 Tier 2) minus its $0.12855 generation charge and its ($0.01011) Bundled PCIA; to that we add MCE's April 1, 2026 Light Green E1 generation ($0.12855) and the $0.03720 PCIA and franchise fee from the March 1, 2026 PG&E-MCE comparison: $0.37292 per kWh up to the baseline and $0.45433 above. PG&E's $0.79343 a day base services charge is $24.13 a month. Baseline: territory X (Contra Costa County outside the S and T portions), 9.8 kWh a day for 4 summer months and 9.7 for 8 winter months, about 296 kWh a month. Gas: PG&E G-1 (Oct. 1, 2026) $2.42480 and $2.92792 per therm plus the $0.12103 public purpose surcharge, territory X baseline weighted 7 summer, 3 off-peak and 2 on-peak months (about 30.1 therms a month). We found no city tax on San Ramon electricity or gas bills, so none is added. Typical use is PG&E's 2024 residential average (EIA, about 500 kWh a month) and California's 2024 residential gas average (EIA, about 32 therms a month). Insurance is the 2022 California average homeowners premium (NAIC via the Insurance Information Institute) until you enter your own.
Parcel share: in the county's parcel data, tax rate areas 17003, 17006 and the 171xx Dougherty Valley areas hold about 60% of San Ramon's single-family parcels; 17008, 17001 and 17076 about 40%.
Nothing here is legal, tax or insurance advice.

Sources

Common questions about San Ramon house costs

What is the property tax rate in San Ramon?

About 1.10% of the value before exemptions a year (2026-27 tax year, Contra Costa County (San Ramon tax rate area 17003)), plus flat charges on the same bill (Sewer $784, SRVUSD parcel tax (Measure Q) $144, San Ramon landscape & lighting district (SAN RAMON LLD) $116, County stormwater charge (FED STORMWATER A15) $35).

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

About $6,507 a year on $500,000 of the value before exemptions with the homeowners' exemption, including $1,105 of flat charges.

How much is the water bill in San Ramon?

About $77 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 Ramon?

$40 to $129 a month, depending on the trash cart size (20-gal garbage, 35-gal garbage, 64-gal garbage, 96-gal garbage).

When is property tax due in San Ramon?

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

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

Yes. Seniors 65+: SRVUSD parcel tax exemption ($144 a year): A parcel owned and occupied by a person 65 or older is exempt from the school district's $144-a-year Measure Q parcel tax on application; income-qualified owners receiving SSI or SSDI for a disability can also be exempt. You file only once, unless you move to another home in the district.

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

Seniors 65+: SRVUSD parcel tax exemption: A parcel owned and occupied by a person 65 or older is exempt from the school district's $144-a-year Measure Q parcel tax on application; income-qualified owners receiving SSI or SSDI for a disability can also be exempt. You file only once, unless you move to another home in the district. Seniors: the Senior Citizen Exemption Form must be received by May 31 for the upcoming tax year; you must be 65 by July 1, live in the home as your primary residence and have the homeowners' exemption (HEX). SSI/SSDI recipients use the SSI/SSDI Exemption Form.

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

All California cities All cities