Stockton, CA · Updated Oct 2026

What a Stockton 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 Stockton house

$12,310a year · $1,026 a month

Starts at the typical market value, $440,900; your assessed value is often lower. Typical use.

Property tax$5,317
1.226% of $440,900, less $7,000 homeowners' exemption
Electricity and gas$3,377
500 kWh a month $2,381 · 31.72 therms $996
Water and sewer$1,542
9 units (CCF) a month on City of Stockton Municipal Utilities Department: water $64, sewer $62, stormwater (current rate per equivalent dwelling unit; the city has proposed a higher rate) $2 a month
Trash$582
60-gal garbage cart with 60-gal recycling and 90-gal organics carts, $49 a month
Home insurance$1,492
Typical premium $1,492

A Stockton house at the typical market value ($440,900) pays about $12,300 a year: $5,320 property tax and charges, $1,540 water and sewer, $580 trash, $3,380 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 30-gal garbage cart with 60-gal recycling and 90-gal organics carts cartUp to $123 a year
Your cart costs $49 a month; the smallest costs $38. Worth it if you rarely fill it.
How: To request additional containers, contact your waste hauler, either Republic Services or Waste Management.
Income-qualified households: CARE or FERA electric discounts30–35% off electricity
CARE takes 30–35% off electricity for income-qualified households; FERA takes 18% off for incomes slightly above the CARE limit.
How: Application forms are also available through community agencies.
100% disabled veterans: property tax exemption$100,000+ off assessed value
The basic Disabled Veterans' Exemption, also called the $100,000 exemption, is available to qualifying claimants; a larger low-income exemption also exists.
How: File the Claim for Disabled Veterans' Property Tax Exemption; the form can be downloaded from the Cal Assessor website.
Seniors, blind or disabled: postpone property taxesDefer this year's taxes
Homeowners who are seniors, blind or have a disability can defer current-year property taxes on their home if they have at least 40% equity and household income of $45,000 or less.
How: Call the State Controller at (800) 952-5661 or email postponement@sco.ca.gov.
Seniors 65+: 10% off garbage and recycling10% off your garbage rate
A senior 65 or older who is the utility bill account holder and lives at the service location can receive a 10% discount on the garbage and recycling collection service rate.
How: Contact your waste hauler, Republic Services or Waste Management; present a driver's license or California ID.
12 extra service stickers a year12 stickers a year
Residential service for single-family homes, duplexes and triplexes includes 12 extra service stickers per year.
How: Your waste hauler provides the service; see the City page.

Adjust to match your bills

What you knowTrash cartThe monthly rate includes weekly garbage, 60-gal recycling and 90-gal organics collection.

Value before exemptionsSome Stockton neighborhoods also pay Mello-Roos (Community Facilities District), assessment-district or reclamation-district charges on the tax bill; these are not included here and vary by street. 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, units a month

On your water bill. 1 unit (CCF) is 748 gallons. A typical house uses 7–12.

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 30, 2026in 38 daysLast day of San Joaquin County's 2026 filing period for a formal assessment appeal (a reduction in assessed value), filed with the Clerk of the Board of Supervisors.
Dec 10in 48 daysLast day to pay the first installment of secured property taxes without penalty.
Dec 10in 48 daysLast day to file a homeowners' or veterans' exemption claim and still receive 80% of the exemption.
Feb 15in 115 daysLast day to file the homeowners' exemption for the full year.

Who serves this house

Water: City of Stockton Municipal Utilities Department; Monthly service charge by meter size ($39.33 for a 1-inch or smaller meter, effective July 1, 2025) plus $2.78 per unit for units 0-15 and $3.32 per unit for units 16 and over (single family); one unit is 748 gallons.
Property tax: 1.23% of value; 2026–27 tax year, San Joaquin County (tax rate area 003-000, one of several Stockton Unified areas)
Garbage: Republic Services or Waste Management; 2026 rates run $38.29 to $58.76 a month by cart size and include weekly garbage, recycling and organics collection.
Sewer: City of Stockton; Residential sewer is a flat monthly service charge.
Electricity: PG&E; PG&E electric service territory includes Stockton (ZIP codes 95201 through 95205 and others).
Gas: PG&E; PG&E gas service territory includes Stockton (ZIP codes 95201 through 95205 and others).
Schools: Stockton Unified; Bonds for Stockton Unified and San Joaquin Delta College are part of the property tax rate.

Pay or manage your bills

Your water

Source: Our area watersheds and groundwater wells provide raw water supplies to the City.
Customers: The City of Stockton Municipal Utilities Department serves approximately 53,000 residential and commercial connections in north and south Stockton.

Other CA cities

How these numbers are made

Garbage: the City page lists 2026 residential rates effective January 1, 2026 by garbage cart size ($38.29, $48.50, $58.76), each including recycling and organics carts; the haulers are Republic Services and Waste Management depending on the address, so the page uses the 60-gallon cart as the middle option.
Water: City of Stockton Municipal Utilities Department rates effective July 1, 2025, the last step of the 2021 five-year plan; we found no later adopted schedule. Cal Water serves other Stockton addresses (Stockton district, PWSID CA3910001) and has its own rates, which are not modelled; check your bill to see who serves you. Stockton East Water District supplies wholesale water.
Sewer: City residential flat charge of $62.04 a month effective July 1, 2026 from the City's notice (the table in the notice is an image). Stormwater: the current $2.10 a month per Equivalent Dwelling Unit; the City proposed $3.85 a month per single-family parcel from August 1, 2026 and we found no adopted outcome.
Property tax: San Joaquin County 2026-27 rates for tax rate area 003-000, one of several Stockton Unified areas in the rate book (we did not check which has the most homes): 1% general levy plus Stockton Unified bonds and San Joaquin Delta College bonds, 1.2255% in all, less the $7,000 homeowners' exemption. Some areas have Mello-Roos or assessment charges not included. The starting value is the Census ACS 2020-2024 median market value ($440,900); under Prop 13 an owner who bought years ago has a lower assessed value and pays less.
Energy: PG&E standard tiered plans (E-1, G-1) with year-round baselines weighted by season, same method as other San Joaquin County cities. We found no city tax listed on Stockton energy bills and none is included.
Insurance: the $1,492 figure is the 2022 California average, the latest year on the Insurance Information Institute page we found; premiums may have changed since.
Water: only the City system is modelled; Cal Water's Stockton district (PWSID CA3910001) serves other Stockton addresses with different, tiered rates.
Nothing here is legal, tax or insurance advice.

Sources

Common questions about Stockton house costs

What is the property tax rate in Stockton?

About 1.23% of the value before exemptions a year (2026–27 tax year, San Joaquin County (tax rate area 003-000, one of several Stockton Unified areas)), plus flat charges on the same bill.

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

About $6,042 a year on $500,000 of the value before exemptions with the homeowners' exemption.

How much is the water bill in Stockton?

About $128 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on City of Stockton Municipal Utilities Department.

How much does trash pickup cost in Stockton?

$38 to $59 a month, depending on the trash cart size (30-gal garbage cart with 60-gal recycling and 90-gal organics carts, 60-gal garbage cart with 60-gal recycling and 90-gal organics carts, 90-gal garbage cart with 60-gal recycling and 90-gal organics carts).

When is property tax due in Stockton?

Dec 10: Last day to pay the first installment of secured property taxes without penalty. Apr 10: Last day to pay the second installment of secured property taxes without penalty.

Can seniors lower their property tax or bills in Stockton?

Yes. Seniors, blind or disabled: postpone property taxes: Homeowners who are seniors, blind or have a disability can defer current-year property taxes on their home if they have at least 40% equity and household income of $45,000 or less.

Where can I get help paying utility bills in Stockton?

Income-qualified households: CARE or FERA electric discounts: CARE takes 30–35% off electricity for income-qualified households; FERA takes 18% off for incomes slightly above the CARE limit. Application forms are also available through community agencies.

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

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