Santa Ana, CA · Updated Oct 2026

What a Santa Ana 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 Santa Ana house

$14,659a year · $1,222 a month

Starts at the typical market value, $713,000; 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 Santa Ana house at the typical market value ($713,000) costs about $14,700 a year: $8,450 property tax and charges, $820 water and sewer, $340 trash, $3,560 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

One change saves this house about $39 a year:

Bring water use down to 11 units
$39 a year
Above 11 units a month, City of Santa Ana charges $5.87 a unit instead of $2.60.
How: Most of the top tier is outdoor watering: fix leaks and water less often in summer.

Worth checking

Senior/Mobile Home low-volume trash rate$22.32 instead of $28.73
The Senior/Mobile Home Low-Volume Curbside Service rate with 35-gallon carts is $22.32, against $28.73 for standard curbside service, on the Republic Services rate sheet for Santa Ana for 2026-2027.
How: See the Senior/Mobile Home rate on the City of Santa Ana rate sheet from Republic Services.
Free bulky item pickups
The rate sheet lists a fee only for bulky item pickups in excess of 4 free pickups per year and 4 items per pickup.
How: Bulky item pickups are listed on the City of Santa Ana rate sheet from Republic Services.
Low income: SCE CARE rate$122.79 instead of $203.26 a month at 523 kWh
On SCE's D-CARE rate with SCE generation, the average monthly bill at 523 kWh is $122.79; on the standard Domestic rate it is $203.26.
How: Apply with SCE online, or by phone through its automated telephone system at 1-800-798-5723.
Low income: SoCalGas CARE20% off the gas bill
Customers enrolled in the CARE program receive a 20% discount on their monthly natural gas bill.
How: Apply online with SoCalGas; for more information call 1-800-427-2200.

Adjust to match your bills

What you know

Value before exemptionsUnder Prop 13 your assessed value starts at your purchase price and can rise at most 2% a year, so it is often far below market: use the assessed value on your tax bill.

I live here and have the Homeowners' exemption

Home insurance, a yearFrom your policy. We start at $1,492, NAIC data via 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 Santa Ana house uses about 12.

Electricity, kWh a month

On your Southern California Edison bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Nov 30, 2026in 26 daysLast day to file a 2026 regular assessment appeal in Orange County (filing runs July 2 to November 30 at 5:00 p.m.).
Dec 10in 36 daysFirst property tax installment (due Nov 1) is delinquent after Dec 10: 10% penalty.
Feb 15in 103 daysLast day for a first-time homeowners' exemption claim to get the full exemption for the year.
Apr 10Second property tax installment (due Feb 1) is delinquent after Apr 10: 10% penalty plus $23 per bill.

Who serves this house

Water: City of Santa Ana; City of Santa Ana water usage charges effective July 1, 2023: $2.60 per CCF in Tier 1 and $5.87 per CCF in Tier 2, which is any amount used over the Tier 1 allocation. For a single-family home on a 5/8 x 3/4-inch meter, the monthly Tier 1 allocation is 0–10.5 CCF; other customer classes have different allocations.
Property tax: 1.14% of value; 2026-27 tax year, Orange County (tax rate area 11-002)
Garbage: Republic Services; Republic Services collects residential trash, recycling and organics for the City of Santa Ana under an exclusive franchise; the City bills it on the public utility bill.
Sewer: OC San; OC San's regional sewer service fee is an annual charge that appears on the property tax bill.
Electricity: Southern California Edison; Southern California Edison serves Santa Ana.

Pay or manage your bills

Your water

Source: The Water Utility has 20 groundwater wells and 7 imported water connections.

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How these numbers are made

Individual bills are confidential in California, so we calculate yours from public rates and what you tell us.
Water (the "current" column of the City's January 2026 rate study): bi-monthly fixed charge $48.62 for a 5/8 x 3/4-inch meter, shown as $24.31 a month, plus $2.60 per CCF up to 10.5 CCF a month and $5.87 per CCF above. The study proposed a five-year water and sewer increase that would take effect May 1, 2026; we could not confirm whether the City adopted it, so these rates may be out of date. The page starts at 12 CCF a month, the study's typical use of 8,975 gallons.
Sewer: the study's "current" bi-monthly fixed sewer charge of $15.24 (first column of its table, residential 5/8 x 3/4-inch meter), shown as $7.62 a month; this matches the $7.62 sewer part of the study's typical monthly bill. OC San's $397 regional sewer fee is on the property tax bill; the $108 local fee applies where OC San runs the local sewer, which the City does here. The study proposed sewer increases from 2026; we could not confirm adoption, so this may be out of date.
Trash: Republic Services' curbside rate of $28.73 a month from July 1, 2026 for trash, recycling and organics carts of any size, billed by the City on the utility bill.
Property tax: tax rate area 11-002 (Santa Ana Unified, Rancho Santiago Community College District, MWD), one of several Santa Ana areas with the same total of 1.14059%; a few areas in Tustin or Garden Grove school districts differ. We found no other city flat charge on the tax bill; the page uses Census median market value, but Prop 13 assessed values are often far lower. The SoCalGas $0.16-a-day fixed charge is from September 2025 while the per-therm figure is derived from August 2026, so the split is approximate. We did not check for an SCE rate change after June 2026.
Electricity: SCE bundled Domestic rate from SCE's June 2026 comparison page (Santa Ana is not an Orange County Power Authority city) plus the base services charge; gas: SoCalGas average non-CARE rate, as in other Orange County cities.
Nothing here is legal, tax or insurance advice.

Sources

How Santa Ana compares

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

Per year	Santa Ana	Median	Where it falls
Property tax rate	1.14%	1.13%	higher than 164 of the other 284 California cities we cover
Water	$725	$927	lower than 204 of the other 284 California cities we cover
Sewer and utility-bill fees	$91	$596	lower than 182 of the other 196 California cities we cover
Trash	$345	$452	lower than 233 of the other 267 California cities we cover
Electricity and gas	$3,556	$3,421	higher than 176 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	$14,659	$14,432	higher than 148 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. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $91 a year, lower than 182 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 $91 a year, lower than 182 of the other 196 California cities we cover. What drives that cost, and would you change anything?"

2. Trash

The fact: Trash pickup here costs about $345 a year for the standard cart, lower than 233 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 $345 a year for the standard cart, lower than 233 of the other 267 California cities we cover. What drives that cost, and would you change anything about the service or the price?"

See who is running in your city →

Common questions about Santa Ana house costs

What is the property tax rate in Santa Ana?

About 1.14% of the value before exemptions a year (2026-27 tax year, Orange County (tax rate area 11-002)), plus flat charges on the same bill (OC San regional sewer service fee $397).

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

About $6,020 a year on $500,000 of the value before exemptions with the homeowners' exemption, including $397 of flat charges.

How much is the water bill in Santa Ana?

About $68 a month for water and sewer at typical use (12 units, or 8,976 gallons a month) on City of Santa Ana.

How much does trash pickup cost in Santa Ana?

$29 a month for a house.

When is property tax due in Santa Ana?

Dec 10: First property tax installment (due Nov 1) is delinquent after Dec 10: 10% penalty. Apr 10: Second property tax installment (due Feb 1) is delinquent after Apr 10: 10% penalty plus $23 per bill.

Can seniors lower their property tax or bills in Santa Ana?

Yes. Senior/Mobile Home low-volume trash rate: The Senior/Mobile Home Low-Volume Curbside Service rate with 35-gallon carts is $22.32, against $28.73 for standard curbside service, on the Republic Services rate sheet for Santa Ana for 2026-2027.

Where can I get help paying utility bills in Santa Ana?

Low income: SCE CARE rate: On SCE's D-CARE rate with SCE generation, the average monthly bill at 523 kWh is $122.79; on the standard Domestic rate it is $203.26. Apply with SCE online, or by phone through its automated telephone system at 1-800-798-5723.

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

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