What a Cottage Grove 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.
Starts at $186,364 of value before exemptions. Typical use.
- Property tax$3,405
1.827% of $186,364
- Electricity and gas$2,833
900 kWh a month $1,798 · 54 therms $1,035
- Water and sewer$2,208
7,000 gallons a month on City of Cottage Grove: water $45, sewer $75, water system improvement or debt retirement (5/8" meter, inside city) $25, wastewater system improvement or debt retirement (5/8" meter, inside city) $27, storm drainage system improvement or debt retirement (single-family, one esu) $6, storm drainage (single-family, one esu) $6 a month
- TrashNot included
Cottage Grove Garbage Service is listed by the City as its garbage and recycling provider
- Home insurance$886
Typical premium $886
A typical Cottage Grove house costs about $9,300 a year: $3,410 property tax and charges, $2,210 water and sewer, $2,830 electricity and gas, $890 home insurance; trash is billed separately. 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:
Seniors and disabled homeowners: property tax deferral
If you qualify, the Oregon Department of Revenue pays your county property taxes on November 15 each year. A lien is placed on the property and deferral accounts accrue 6 percent interest yearly. The household income limit for 2026 is $70,000.
How: File the application with the county assessor by April 15, or late from April 16 to December 1 with a fee.
Low-income households: Pacific Power bill discount
Low-income residential customers may qualify for a discount on their monthly Pacific Power bill (Schedule 7, Low Income Discount).
How: Ask Pacific Power about the Schedule 7 Low Income Discount.
Low-income households: NW Natural bill discount15% to 85% off
In Oregon, households with income below 60% of the state median income can get 15% to 85% off their monthly gas bills. No proof of income is required to apply.
How: Apply online with NW Natural (nwnatural.com/billdiscount).
Money dates
- Nov 16, 2026in 23 daysFirst property tax payment due
- Apr 15Senior & disabled property tax deferral applications due to the county assessor (late filing from April 16 to December 1 with a fee)
Who serves this house
- Water
- City of Cottage Grove
- City of Cottage Grove, billed monthly: $28.79 fixed rate for a 5/8" x 3/4" meter inside city limits, then $2.28 (1 to 5,999 gallons), $2.81 (6,000 to 15,000 gallons) and $3.19 (over 15,000 gallons) in volume rates.
- Property tax
- 1.83% of value
- 2025-26 tax year, Lane County code area 04500 (City of Cottage Grove)
- Garbage
- Cottage Grove Garbage Service
- Listed by the City as the franchised provider for garbage and recycling
- Sewer
- City of Cottage Grove
- Monthly base charge plus a volume rate per 1,000 gallons
- Electricity
- Pacific Power
- The City lists two electric providers; Emerald People's Utility District is the other
- Gas
- Northwest Natural
- Listed by the City as its franchised natural gas provider
- Schools
- South Lane School District 45J
- Listed in Lane County's 2025-26 property tax rate table
Your water
- Source
- Surface water from an intake facility on the Row River
- Disinfection by-products
- The 2023 report lists total trihalomethanes (TTHM) in a range of 13.9 - 42.1 ppb
Other OR cities
Bend home costsMedford home costsPortland home costsCanby home costsCorvallis home costsSweet Home home costsGresham home costsLebanon home costsOregon City home costsKeizer home costsGrants Pass home costsMilwaukie home costsAlbany home costsRoseburg home costsWest Linn home costsLake Oswego home costsAshland home costsForest Grove home costsRedmond home costsGladstone home costsSalem home costsSilverton home costsBeaverton home costsDallas home costsIndependence home costsMcMinnville home costsTigard home costs
How these numbers are made
- Property tax uses Lane County's 2025-26 consolidated rates for tax code area 04500 (City of Cottage Grove), per $1,000 of assessed value divided by 1,000, applied to the 2025 median assessed value of a single-family dwelling in the City.
- Water uses the 5/8 x 3/4 inch residential inside-city monthly fixed rate and the three volume tiers from the City's comprehensive fee schedule (Res. 2175, 1-26-26), priced per 1,000 gallons.
- Sewer uses the residential inside-city winter-month base charge and volume rate; summer billing is capped at the winter average, which is not modeled.
- Garbage uses Cottage Grove Garbage Service's city-rate price sheet. Electricity uses Pacific Power's Schedule 4 with riders, as in the Oregon price summary; Emerald People's Utility District serves part of the city and has different rates. Gas uses NW Natural Schedule 2. Franchise fees passed through on bills are not added.
- Typical use is 900 kWh and 54 therms a month from the utilities' own averages. No water-use figure is published, so the page starts at its default.
- The City's separate monthly system improvement or debt retirement fees (water, wastewater, storm drainage) are added on top of the usage rates, using the 5/8 inch meter inside-city amounts; the storm drainage line below them is the City's base storm drainage rate.
- Wastewater $27.16 is the 5/8" meter rate; assumes a typical single-family home on that meter. Lane County median figure is an assessed value; the tax base is taxable value.
- Nothing here is legal, tax or insurance advice.
- www.lanecounty.org Table%206a.pdf
- www.lanecounty.org 2025%20Median%20AV%20year%20over%20year%
- www.lanecountyor.gov PR_101626_PropertyTaxStatements
- codepublishing.com CottageGroveFE.html
- www.cottagegroveor.gov Franchised-Services-in-Cottage-Grove
- www.cottagegroveor.gov Utility-Billing-Information
- web.archive.org cottage_grove_2023-ccr_04-30-2024.pdf
- www.cottagegrovegarbage.com a1490c_6cba8c88c0d34d9b95bd59ef7526ac7b.
- www.pacificpower.net Oregon_Price_Summary.pdf
- www.lebanonoregon.gov Other-Utility-Services
- www.pacificpower.net OR-Residential-Rate-Cost-Categories-Pie-
- www.nwnatural.com 252ai_2025.pdf?rev=3213cc3dcb06481b829dc
- www.nwnatural.com or_summary-of-rates_2025a.pdf?rev=003c43
- www.nwnatural.com
- apps.oregonlegislature.gov 288590
- www.oregon.gov Senior-and-Disabled-Property-Tax-Deferra
- nwnatural.com billdiscount
How Cottage Grove compares
A typical Cottage Grove house against the 28 Oregon cities we cover, using the same default numbers as the total above.
| Per year | Cottage Grove | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 1.83% | 1.90% | lower than 16 of the other 27 Oregon cities we cover |
| Water | $534 | $609 | lower than 20 of the other 27 Oregon cities we cover |
| Sewer and utility-bill fees | $1,674 | $1,050 | higher than 26 of the other 27 Oregon cities we cover |
| Electricity and gas | $2,833 | $2,868 | lower than 16 of the other 27 Oregon cities we cover |
| Home insurance | $886 | $886 | in the middle of 27 other Oregon cities we cover |
| Total | $9,332 | $10,340 | lower than 19 of the other 27 Oregon 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 $1,674 a year, higher than 26 of the other 27 Oregon 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 $1,674 a year, higher than 26 of the other 27 Oregon cities we cover. What drives that cost, and would you change anything?"
Common questions about Cottage Grove house costs
What is the property tax rate in Cottage Grove?
About 1.83% of the value before exemptions a year (2025-26 tax year, Lane County code area 04500 (City of Cottage Grove)), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Cottage Grove?
About $9,136 a year on $500,000 of the value before exemptions.
How much is the water bill in Cottage Grove?
About $184 a month for water and sewer at typical use (7,000 gallons a month) on City of Cottage Grove.
How much does trash pickup cost in Cottage Grove?
Cottage Grove Garbage Service is listed by the City as its garbage and recycling provider
When is property tax due in Cottage Grove?
Nov 16, 2026: First property tax payment due Apr 15: Senior & disabled property tax deferral applications due to the county assessor (late filing from April 16 to December 1 with a fee)
Can seniors lower their property tax or bills in Cottage Grove?
Yes. Seniors and disabled homeowners: property tax deferral: If you qualify, the Oregon Department of Revenue pays your county property taxes on November 15 each year. A lien is placed on the property and deferral accounts accrue 6 percent interest yearly. The household income limit for 2026 is $70,000.
Where can I get help paying utility bills in Cottage Grove?
Low-income households: Pacific Power bill discount: Low-income residential customers may qualify for a discount on their monthly Pacific Power bill (Schedule 7, Low Income Discount). Ask Pacific Power about the Schedule 7 Low Income Discount.
How much does a house in Cottage Grove cost to run each year?
A typical Cottage Grove house costs about $9,300 a year: $3,410 property tax and charges, $2,210 water and sewer, $2,830 electricity and gas, $890 home insurance; trash is billed separately. Estimated from public rates, not anyone's actual bill.