What a Eugene 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 $264,701 of value before exemptions. Typical use.
- Property tax$5,157
1.948% of $264,701
- Electricity and gas$2,664
899 kWh a month $1,629 · 54 therms $1,035
- Water and sewer$1,844
9,000 gallons a month on EWEB (inside Eugene city limits): water $48, sewer $81, stormwater (medium residential, footprint over 1,000 sf and under 3,000 sf) $24 a month
- Trash$351
32-gal weekly, $29 a month
- Home insurance$886
Typical premium $886
A typical Eugene house costs about $10,900 a year: $5,160 property tax and charges, $1,840 water and sewer, $350 trash, $2,660 electricity and gas, $890 home insurance. Estimated from public rates, not anyone's actual bill.
Rates checked Oct 28, 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 20-gal weekly cartUp to $145 a year
Your cart costs $29 a month; the smallest costs $17. Worth it if you rarely fill it.
How: Contact a licensed hauler (listed on the City's licensed haulers page).
Low-income households: EWEB bill assistance
EWEB's 2026 budget includes $2.1 million in bill assistance for income-qualifying customers.
How: See EWEB's bill assistance information.
NW Natural bill discount: 15% to 85% off15% to 85% off
In Oregon, the NW Natural bill discount program can save 15% to 85% on monthly gas bills.
How: Apply through NW Natural's bill discount program.
Money dates
- Nov 15in 11 daysProperty tax due: pay in full for a 3% discount or two-thirds for a 2% discount on that amount
- Feb 15in 103 daysSecond property tax installment; interest is calculated on past due amounts on the 16th of each month
Who serves this house
- Water
- EWEB (inside Eugene city limits)
- Prices effective February 2026 for a <1 inch meter inside Eugene: $26.00 basic charge, $1.985 per kgal for the first 8 kgals, $3.425 for the next 22 and $5.549 over 30. Homes in the hills may pay elevation charges (Level 1: $0.410 per kgal plus $4.93 per month).
- Property tax
- 1.95% of value
- 2025-26 tax year, Lane County code area 00400 (City of Eugene, 4J)
- Garbage
- Licensed haulers (Sanipac, Royal Refuse, Lane Apex and others)
- Collection services are provided by licensed haulers; the City sets minimum rates
- Sewer
- City of Eugene and MWMC, billed by EWEB
- The City adopts the fees; EWEB is the City's billing agent
- Electricity
- EWEB
- Pricing is a basic charge, delivery charge and energy charge
- Gas
- NW Natural
- Rate Schedule 2, residential
Your water
- Source
- Water comes from the McKenzie River
- Violations
- EWEB says it has never violated a maximum contaminant level or any other water quality standard established by EPA
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 costsCottage Grove home costsDallas home costsIndependence home costsMcMinnville home costsTigard home costsSpringfield home costsHillsboro home costsWilsonville home costsNewberg home costsHappy Valley home costsTualatin home costsTroutdale home costsFairview home costsKlamath Falls home costsSt. Helens home costsMonmouth home costs
How these numbers are made
- Property tax: Lane County 2025-26 consolidated rate for code area 00400 (City of Eugene, 4J), $19.4838 per $1,000 of assessed value; 2026-27 rates were not yet posted. The county's Eugene 4J median assessed value of a single-family dwelling is $264,701 for 2025. Oregon has no homestead exemption. Measure 5 compression is not modeled.
- Water: EWEB inside-city prices from February 2026 for a <1 inch meter; fixed = $26.00 basic charge plus the $3.00 watershed recovery fee shown in EWEB's current example bill. Homes in elevated areas pay extra pumping charges. The page starts at 9 kgal, the use in EWEB's example bill.
- Sewer: City of Eugene wastewater fees effective July 2026 (FY27): $17.71 MWMC basic charge plus $3.525 (MWMC) + $3.529 (City) per kgal; billed on winter-average use in summer. Stormwater $24.15 is the medium residential category (small footprint homes, 1,000 sf or less, pay $16.66).
- Garbage: City minimum monthly rates for weekly service; haulers may charge up to 10% more, so bills can be higher. Electricity: EWEB 2026 prices, 3.99 + 6.83 cents per kWh; any city fee on the bill is not included. Gas: NW Natural Schedule 2 rates of Oct 31, 2025; no Eugene franchise fee line is added. Typical electric use is the U.S. average per EIA; EWEB's all-electric example uses 1,600 kWh in winter.
- Insurance: 2023 Oregon statewide average homeowners premium.
- Nothing here is legal, tax or insurance advice.
- EWEB residential rates & fees
- EWEB residential news insert, Feb 2026
- City of Eugene stormwater fees
- City of Eugene wastewater fees
- City of Eugene licensed haulers and rates
- Lane County 2025-26 Table 6a code area rates
- Lane County 2025 median assessed value
- NW Natural Rate Schedule 2
- NW Natural gas price
- Oregon Insurance Commissioner briefing
- EIA household electricity use
- EWEB 2025 consumer confidence report
- EWEB water quality reports
- Lane County: when taxes are due
- Lane County assessment FAQ
- NW Natural bill discount
- EWEB start/stop service
- NW Natural tune-ups (service areas)
How Eugene compares
A typical Eugene house against the 40 Oregon cities we cover, using the same default numbers as the total above.
| Per year | Eugene | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 1.95% | 1.85% | higher than 27 of the other 39 Oregon cities we cover |
| Water | $580 | $626 | lower than 25 of the other 39 Oregon cities we cover |
| Sewer and utility-bill fees | $1,264 | $1,088 | higher than 29 of the other 39 Oregon cities we cover |
| Trash | $351 | $418 | lower than 27 of the other 37 Oregon cities we cover |
| Electricity and gas | $2,664 | $2,903 | lower than 28 of the other 39 Oregon cities we cover |
| Home insurance | $886 | $886 | in the middle of 39 other Oregon cities we cover |
| Total | $10,903 | $10,514 | higher than 24 of the other 39 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. Trash
The fact: Trash pickup here costs about $351 a year for the standard cart, lower than 27 of the other 37 Oregon 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 $351 a year for the standard cart, lower than 27 of the other 37 Oregon cities we cover. What drives that cost, and would you change anything about the service or the price?"
Common questions about Eugene house costs
What is the property tax rate in Eugene?
About 1.95% of the value before exemptions a year (2025-26 tax year, Lane County code area 00400 (City of Eugene, 4J)), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Eugene?
About $9,742 a year on $500,000 of the value before exemptions.
How much is the water bill in Eugene?
About $154 a month for water and sewer at typical use (9,000 gallons a month) on EWEB (inside Eugene city limits).
How much does trash pickup cost in Eugene?
$17 to $63 a month, depending on the trash cart size (20-gal weekly, 32-gal weekly, 60-gal weekly, 90-gal weekly).
When is property tax due in Eugene?
Nov 15: Property tax due: pay in full for a 3% discount or two-thirds for a 2% discount on that amount Feb 15: Second property tax installment; interest is calculated on past due amounts on the 16th of each month
Where can I get help paying utility bills in Eugene?
Low-income households: EWEB bill assistance: EWEB's 2026 budget includes $2.1 million in bill assistance for income-qualifying customers. See EWEB's bill assistance information.
How much does a house in Eugene cost to run each year?
A typical Eugene house costs about $10,900 a year: $5,160 property tax and charges, $1,840 water and sewer, $350 trash, $2,660 electricity and gas, $890 home insurance. Estimated from public rates, not anyone's actual bill.