Lake Oswego, OR · Updated Oct 2026

What a Lake Oswego 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 Lake Oswego house

$16,670a year · $1,389 a month

Starts at $501,357 of value before exemptions. Typical use.

A typical Lake Oswego house pays about $16,700 a year: $9,630 property tax and charges, $2,550 water and sewer, $470 trash, $3,130 electricity and gas, $890 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 20-gallon cart (weekly, curbside) cartUp to $124 a year
Your cart costs $40 a month; the smallest costs $29. Worth it if you rarely fill it.
How: To change the size of your container, please contact Republic Services at 503-636-3011.
Seniors 62+ and disabled homeowners: property tax deferral
The State of Oregon can pay your county property taxes; deferral accounts accrue 6% interest yearly. For 2026, household income during 2025 cannot exceed $70,000 and net worth is limited to $500,000.
How: File the application with the county assessor by April 15, or late from April 16 to December 1 with a fee.
Disabled veterans and surviving spouses: property tax exemption$27,092 or $32,512 off assessed value
For 2026 the basic exemption for a disabled veteran or the surviving spouse of a veteran is $27,092 of assessed value; the exemption for a service-connected disability is $32,512. Veterans must be certified 40% or more disabled; surviving spouses must not have remarried. Once qualified, you do not need to renew each year.
How: File the application with the Clackamas County Assessor by April 1; call 503-655-8671 for help.
Residents with disabilities: free "Up the Drive" garbage service
Up the Drive service is available free of charge to customers with disabilities.
How: Up the Drive costs $10.83 for other customers (up to 50 feet); see the city's garbage rate schedule.
Free lead testing for water customers
The City offers free lead testing to its water customers.
How: Request sample bottles and instructions from the City (see the 2026 water quality report).
PGE Income-Qualified Bill Discount15% to 80% off
Based on household size and income, PGE customers could get 15% to 80% off. No financial documents are required.
How: Apply with PGE or call 503-228-6322.
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 or call 503-226-4211 or 800-422-4012.

Adjust to match your bills

What you knowTrash cartWeekly curbside garbage; each price includes the recycling cart, glass recycling bin and mixed organics (yard debris + food waste) cart. Up the Drive service costs extra.

Value before exemptionsOregon taxes the assessed value on your statement, which is usually well below what the house would sell for. Enter the assessed value from your tax statement.

Home insurance, a yearFrom your policy. We start at $886, Oregon statewide average for 2023, NAIC data in the Oregon Insurance Commissioner's January 2025 legislative briefing.

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 Lake Oswego house uses about 10.

Electricity, kWh a month

On your Portland General Electric (PGE) bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Nov 16, 2026in 24 daysProperty tax payments due (the November 15 due date moves to the next business day when it falls on a weekend or legal holiday); paying in full by the due date takes 3% off
Dec 31in 69 daysDeadline to file a Property Value Appeal Board (PVAB) appeal (the first working day in January if December 31 falls on a weekend); the Clackamas County Clerk provides filing information
Feb 15in 115 daysSecond one-third property tax installment due (next business day if it falls on a weekend or legal holiday)
Apr 1Disabled veteran / surviving spouse exemption applications due to the Assessor

Who serves this house

Water: City of Lake Oswego; City of Lake Oswego, monthly, single family residential from 7/1/26: $31.79 fixed charge plus $3.34 per ccf for 0 – 8 ccf, $4.80 per ccf for 9 – 16 ccf and $9.00 per ccf over 17 ccf
Property tax: 1.92% of value; 2025-26 tax year, Clackamas County code area 007-021 (City of Lake Oswego, Lake Oswego School District)
Garbage: Republic Services of Lake Oswego; Garbage, recycling and yard debris collection; call 503-636-3011 to set up service
Sewer: City of Lake Oswego; The City operates and maintains approximately 200 miles of sewer collection pipes
Electricity: Portland General Electric (PGE); Listed in the City's franchise agreements table as the electric utility at 5.0% of revenues

Pay or manage your bills

Your water

Source: Clackamas River watershed; water is withdrawn from the Clackamas River in Gladstone
Violations: The 2026 water quality report says there were no violations
PFAS: No PFAS detected in the drinking water supply, per the 2026 report
Lead: Lead 90th percentile 0.00 ppb in 2023; 0 homes exceeded the 15 ppb action level

How these numbers are made

Property tax: the 2025-26 Clackamas County billing rates for code area 007-021 (City of Lake Oswego, Lake Oswego School District, Metro), $19.2041 per $1,000 of assessed value, because the 2026-27 code area rate table was not yet posted; the county expects City of Lake Oswego homes in this school district to see +3.60% for 2026-27. Code area 007-021 has the most single-family lots among Lake Oswego's code areas in Clackamas County (007-002 is next, total $19.1621 per $1,000, without the urban renewal levy and Lake Grove Park). Parts of Lake Oswego lie in Multnomah and Washington counties and are not modeled. Oregon has no homestead exemption; no flat charges are added because the City's stormwater and street fees are on the City utility bill.
The starting assessed value ($501,357) is the median assessed value of the single-family tax lots in code area 007-021 in Metro's RLIS taxlot data (last updated July 17, 2026). Your statement's assessed value is the number to use. Measure 5 compression is not modeled.
City of Lake Oswego utility bill (monthly, rates from July 1, 2026 per the 2026 Master Fees and Charges booklet): water $31.79 fixed plus tiered $/ccf, sewer $74.75 plus $2.76 per ccf, stormwater $24.51 and street maintenance $17.33. The City bills sewer on average winter water use (it uses 8 ccf in its typical bill); the page applies the sewer per-ccf rate to the water use entered. The page starts at 10 ccf, the City's typical single-family water use.
Garbage: Republic Services' rates effective January 1, 2026 (Resolution 25-45) for weekly curbside carts including recycling and mixed organics, billed every two months; the 35-gallon cart is the starting size.
Electricity: PGE Schedule 7 effective July 8, 2026 (year-round), the effective per-kWh rate with the 1.5% public purpose charge folded in, at PGE's typical Schedule 7 use of 784 kWh a month. Gas: NW Natural Schedule 2 effective October 31, 2025, at 54 therms a month; NW Natural's October 31, 2026 filings are not included. NW Natural is assumed to be the gas utility (its service to Lake Oswego is not sourced here). Insurance: the 2023 Oregon statewide average.
Energy city fees: Lake Oswego's right-of-way usage fee is 5% of gross revenue for electric and gas. Under OAR 860-022-0040 the first 3.5% (electric) or 3% (gas) is in rates and the excess is separately stated on bills in the city, so the electric figures are multiplied by 1.015 and the gas figures by 1.02.
Stormwater $24.51 is the per-customer fee for a single-family home or duplex.
Nothing here is legal, tax or insurance advice.

Sources

How Lake Oswego compares

A typical Lake Oswego house against the 17 Oregon cities we cover, using the same default numbers as the total above.

Per year	Lake Oswego	Median	Where it falls
Property tax rate	1.92%	1.92%	lower than 9 of the other 16 Oregon cities we cover
Water	$817	$624	higher than 14 of the other 16 Oregon cities we cover
Sewer and utility-bill fees	$1,730	$1,123	higher than 16 of the other 16 Oregon cities we cover
Trash	$474	$446	higher than 8 of the other 13 Oregon cities we cover
Electricity and gas	$3,134	$2,873	higher than 12 of the other 16 Oregon cities we cover
Home insurance	$886	$886	in the middle of 16 other Oregon cities we cover
Total	$16,670	$10,422	higher than 16 of the other 16 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. Water

The fact: Water here costs about $817 a year at typical use, higher than 14 of the other 16 Oregon cities we cover.

Ask: "Water here costs about $817 a year at typical use, higher than 14 of the other 16 Oregon cities we cover. What drives that cost, and would you change anything?"

2. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $1,730 a year, higher than 16 of the other 16 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 $1,730 a year, higher than 16 of the other 16 Oregon 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 $3,134 a year, higher than 12 of the other 16 Oregon cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $3,134 a year for a typical house, higher than 12 of the other 16 Oregon cities we cover. Which parts of that can the city influence, and what would you do about them?"

See who is running in your city →

Common questions about Lake Oswego house costs

What is the property tax rate in Lake Oswego?

About 1.92% of the value before exemptions a year (2025-26 tax year, Clackamas County code area 007-021 (City of Lake Oswego, Lake Oswego School District)), plus flat charges on the same bill.

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

About $9,602 a year on $500,000 of the value before exemptions.

How much is the water bill in Lake Oswego?

About $212 a month for water and sewer at typical use (10 units, or 7,480 gallons a month) on City of Lake Oswego.

How much does trash pickup cost in Lake Oswego?

$29 to $62 a month, depending on the trash cart size (20-gallon cart (weekly, curbside), 35-gallon cart (weekly, curbside), 65-gallon cart (weekly, curbside), 90-gallon cart (weekly, curbside)).

When is property tax due in Lake Oswego?

Nov 16, 2026: Property tax payments due (the November 15 due date moves to the next business day when it falls on a weekend or legal holiday); paying in full by the due date takes 3% off Feb 15: Second one-third property tax installment due (next business day if it falls on a weekend or legal holiday) 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 Lake Oswego?

Yes. Seniors 62+ and disabled homeowners: property tax deferral: The State of Oregon can pay your county property taxes; deferral accounts accrue 6% interest yearly. For 2026, household income during 2025 cannot exceed $70,000 and net worth is limited to $500,000.

Where can I get help paying utility bills in Lake Oswego?

PGE Income-Qualified Bill Discount: Based on household size and income, PGE customers could get 15% to 80% off. No financial documents are required. Apply with PGE or call 503-228-6322.

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

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