Castle Rock, CO · Updated Oct 2026

What a Castle Rock 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 Castle Rock house

$9,623a year · $802 a month

Starts at the typical market value, $652,900; your assessed value is often lower. Typical use.

Property tax$3,088
0.473% of $652,900
Electricity and gas$2,687
863.6 kWh a month $1,847 · 91 therms $840
Water and sewer$1,769
10,000 gallons a month on Castle Rock Water: water $99, sewer $39, stormwater (single-family attached or detached residence) $9 a month
TrashNot included
Not a Town service; HOA trash contract or a private hauler subscription
Home insurance$2,079
Typical premium $2,079

A Castle Rock house at the typical market value ($652,900) pays about $9,600 a year: $3,090 property tax and charges, $1,770 water and sewer, $2,690 electricity and gas, $2,080 home insurance; trash is billed separately. 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

Nothing here applies to every house automatically. These are worth checking:

Seniors 65+ who have owned and lived in the home 10+ years: senior property tax exemption50% of the first $200,000 of value
The senior exemption takes 50 percent of the first $200,000 off the taxable value of a qualifying home; the state reimburses local taxing entities. Once approved it stays in place until the home changes ownership.
How: Apply to the Douglas County Assessor between January 1 and July 15.
Veterans rated 100% permanent and total disabled: property tax exemption50% of the first $200,000 of value
For qualifying disabled veterans, 50 percent of the first $200,000 of the actual value of their primary residence is exempted, and the state reimburses the county treasurer.
How: Apply to the Douglas County Assessor between January 1 and July 15.
Owners 65+ or called to active military service: defer property taxes
Colorado residents 65 or older and people called into active military service may postpone paying property taxes on their home.
How: Apply to the Douglas County Treasurer between January 1 and April 1; apply again each year.
Seniors over 65: Castle Rock Water senior discount$3 a month
Castle Rock Water gives a senior citizen discount of $3 per single-family equivalent per month to anyone over the age of 65.
How: Call Castle Rock Water at 303-660-1373 to apply.
Replace old toilets: up to $150 eachUp to $150 per toilet
Castle Rock Water rebates the cost of an ultra-high-efficiency toilet rated 0.8 gallons per flush or less, up to $150 per toilet and up to four toilets per address, excluding installation, taxes and shipping.
How: Fill in the Toilet Retrofit Rebate Application online form; the old toilet is turned in to Castle Rock Water.
Swap sprinkler spray nozzles for rotary nozzlesUp to $5 per nozzle
Castle Rock Water offers rebates of up to $5 each for replacing fixed-spray nozzles with rotary nozzles, purchased, installed and applied for in the same rebate year.
How: Fill in the Rotary Nozzle Retrofit Rebate Application online form.
Replace lawn with ColoradoScape (2027 program)$3.25 per square foot
The residential ColoradoScape rebate paid $3.25 per square foot for replacing at least 400 square feet (or the whole front yard) of healthy high-water-use plants. The 2026 program is closed; 2027 details come out in April 2027.
How: Apply and get the site visit before starting the renovation.

Money dates

Apr 1Last day to apply to the County Treasurer for the senior and military property tax deferral.
Apr 30Deadline to pay the whole year's property tax in one payment.
Jun 1Deadline to file a real property valuation appeal with the Douglas County Assessor (appeals open May 1).
Jun 15Second half of property tax is due.

Who serves this house

Water: Castle Rock Water; Castle Rock Water 2026 residential rates: water monthly service charge $11.49 and renewable water monthly service charge $36.30 (5/8 by 3/4 inch meter); water volumetric rates per 1,000 gallons of $3.39 (Tier 1, AWMC) and $6.91 (Tier 2, irrigation season); Tier 3 (excess) is $10.31 in irrigation season and $6.91 in winter; the surcharge over 40,000 gallons is $10.31.
Property tax: 0.47% of value; 2025 tax year, payable 2026 (Douglas County tax district 0215)
Garbage: Private haulers or your HOA; The Town of Castle Rock does not provide trash or recycling service
Electricity: CORE Electric Cooperative; Residential rate: $20.00 a month, $0.1155 per kWh, plus an on-peak demand charge of $5.47 per kW
Gas: Black Hills Energy; Natural gas service
Schools: Douglas County School District RE-1; 45.528 mills for 2025 taxes (39.752 general plus 5.776 debt service), on 7.05% of a home's actual value

Pay or manage your bills

Your water

Source: In 2025 about 70% came from 63 deep Denver Basin groundwater wells; the other 30% from shallow alluvial wells, Plum Creek and East Plum Creek diversions, and imported WISE water.
Hardness: Moderately hard: 100 ppm on average in 2025 (range 61 to 182 ppm).
Lead: In 2025 sampling the 90th-percentile lead level was 2 ppb both rounds (102 sites, none above the 15 ppb action level; 100 sites, 1 above).
Violations: Two non-health-based violations for failure to monitor and/or report.

Other CO cities

What a Boulder house pays What a Denver house pays What a Erie house pays What a Firestone house pays What a Monument house pays What a Parker house pays What a Evans house pays

How these numbers are made

Property tax: Colorado taxes a home on its actual value times an assessment rate times the mill levy. For 2025 taxes (paid in 2026) the residential rate is 6.25% for local government and 7.05% for schools. We use Douglas County tax district 0215, a Town of Castle Rock area with no metropolitan district: Douglas County 19.774 mills, Town of Castle Rock 0.920, Douglas Public Library 3.519 and Cedar Hill Cemetery Association 0.104, all at 6.25%, and Douglas County School District RE-1 39.752 plus 5.776 debt service at 7.05%. That is 69.845 mills, about 0.473% of actual value, or roughly $3,088 on the $652,900 Census median. The Town runs its own fire department, so most town tax districts carry no fire district levy.
Many Castle Rock neighborhoods, especially newer ones (The Meadows, Crystal Valley, Castlewood Ranch, Dawson Trails, Lanterns and others), are also inside a metropolitan district, whose levy (about 5 to 95 mills in the 2025 list) is not included; some areas also pay Castle Rock Fire Protection District (10.100 mills), the Downtown Development Authority or Cherry Creek Basin (0.450). Check your own tax district on your Notice of Valuation or tax bill. For 2026 taxes (billed in January 2027) the assessment rates change; the 2026 mill levies are set in December, so we show 2025. The senior and disabled-veteran exemptions are tips, not applied.
Water: Castle Rock Water 2026 residential rates for a 5/8 by 3/4 inch meter: $11.49 water service plus $36.30 renewable water charge a month, $3.39 per 1,000 gallons up to your average winter monthly consumption (we use the Town's typical 5,000 gallons), $6.91 above that, and $10.31 above 40,000 gallons (the conservation surcharge, the same in both seasons). The $6.91 step is the irrigation-season Tier 2 rate and also the winter Tier 3 (excess) rate, so it is the same all year for use above your winter average. Tier 3 in irrigation season ($10.31) applies only to use over your account's water budget, which the typical use here (10,000 gallons) stays within, so it is not modelled. Your real Tier 1 and irrigation budget are set per account. We start at 10,000 gallons a month, the average of the Town's typical 5,000-gallon winter and 15,000-gallon summer use.
Sewer: $8.65 a month plus $6.13 per 1,000 gallons of average winter use; we cap billed sewer at the 5,000-gallon typical winter use so summer watering does not raise it. The $8.79 monthly stormwater charge per single-family home is added from the same bill.
Garbage: the Town of Castle Rock does not provide trash or recycling service; HOA or hauler costs are not included.
Electricity and gas: CORE's residential rate has a demand charge based on your highest hour of use between 4 and 8 p.m., so we use the July 2026 CAMU survey cost for 700 kWh ($124.92): the $20.00 basic charge plus $0.1499 per kWh for everything else, with Castle Rock's 3% franchise charge on CORE bills added to both, at CORE's 2024 average residential use of 864 kWh a month (EIA). Gas is Black Hills Energy's Base Rate Area 3 residential rate effective October 1, 2026 ($13.96 a month in customer charge and riders, $0.61614 per therm including the quarterly gas cost adjustment) at the 91 therms a month Black Hills gives for an average residential customer in this area; any Castle Rock franchise fee on gas bills and sales taxes are not included.
Nothing here is legal, tax or insurance advice.

Sources

How Castle Rock compares

A typical Castle Rock house against the 8 Colorado cities we cover, using the same default numbers as the total above.

Per year	Castle Rock	Median	Where it falls
Property tax rate	0.47%	0.60%	lower than 6 of the other 7 Colorado cities we cover
Water	$1,192	$903	higher than 6 of the other 7 Colorado cities we cover
Sewer and utility-bill fees	$577	$713	lower than 5 of the other 7 Colorado cities we cover
Electricity and gas	$2,687	$2,274	higher than 7 of the other 7 Colorado cities we cover
Home insurance	$2,079	$2,079	lower than 1 of the other 7 Colorado cities we cover
Total	$9,623	$9,880	lower than 5 of the other 7 Colorado 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: Castle Rock's property tax rate is 0.47%, lower than 6 of the other 7 Colorado cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Castle Rock is 0.47%, lower than 6 of the other 7 Colorado 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 $1,192 a year at typical use, higher than 6 of the other 7 Colorado cities we cover.

Ask: "Water here costs about $1,192 a year at typical use, higher than 6 of the other 7 Colorado cities we cover. What drives that cost, and would you change anything?"

3. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,687 a year, higher than 7 of the other 7 Colorado cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,687 a year for a typical house, higher than 7 of the other 7 Colorado 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 Castle Rock house costs

What is the property tax rate in Castle Rock?

About 0.47% of the value before exemptions a year (2025 tax year, payable 2026 (Douglas County tax district 0215)), plus flat charges on the same bill.

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

About $2,365 a year on $500,000 of the value before exemptions.

How much is the water bill in Castle Rock?

About $147 a month for water and sewer at typical use (10,000 gallons a month) on Castle Rock Water.

How much does trash pickup cost in Castle Rock?

Not a Town service; HOA trash contract or a private hauler subscription

When is property tax due in Castle Rock?

Jun 15: Second half of property tax is due. End of Feb: First half of property tax is due by the last day of February (bills are mailed in late January).

Can seniors lower their property tax or bills in Castle Rock?

Yes. Seniors 65+ who have owned and lived in the home 10+ years: senior property tax exemption: The senior exemption takes 50 percent of the first $200,000 off the taxable value of a qualifying home; the state reimburses local taxing entities. Once approved it stays in place until the home changes ownership.

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

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