What a Copperas Cove 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 the typical market value, $180,500; your assessed value is often lower. Typical use.
- Property tax$2,524
2.217% of $180,500, less $140,000 school homestead exemption
- Electricity and gas$3,327
1096 kWh a month $2,112 · 42.2 therms $1,215
- Water and sewer$1,713
7,000 gallons a month on City of Copperas Cove: water $83, sewer $59 a month
- Trash$367
Single-family residence, $31 a month
- Home insurance$2,397
Typical premium $2,397
Shopping for home insurance?
Insurers charge very different prices for the same house and coverage. Texas's free HelpInsure.com comparison lists each insurer's price.
Compare insurers' pricesA Copperas Cove house at the typical market value ($180,500) costs about $10,300 a year: $2,520 property tax and charges, $1,710 water and sewer, $370 trash, $3,330 electricity and gas, $2,400 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:
Seniors 65+ or disabled: extra school exemption$60,000 off school taxable value
School districts must give owners 65 or older or disabled an additional $60,000 homestead exemption on top of the $140,000 general one.
How: File the residence homestead exemption application (Form 50-114) with the appraisal district.
Disabled veterans rated 100%Total exemption
A disabled veteran awarded 100 percent disability compensation for a service-connected disability, and rated 100 percent disabled or individually unemployable, gets a total property tax exemption on the homestead.
How: The application is Form 50-114. Exemption applications are filed with the appraisal district in your county.
Homestead cap: appraised value rises at most 10% a year
Once you have qualified your home for homestead exemptions in the prior and current year, its appraised value may not increase more than 10 percent per year (plus new improvements).
How: Review your exemption status online at your appraisal district.
Bulky items and white goods: free curb pickup up to 3 cubic yardsFree up to 3 cubic yards
Bulky items and white goods at the curb pick up (3 cubic yards) have no charge; more than 3 cubic yards is $9.47 per cubic yard.
How: See the city fee schedule.
Money dates
- Apr 30General deadline to file exemption applications: before May 1.
- May 15Usual deadline to protest your appraised value (or 30 days after the notice is mailed, if later).
Who serves this house
- Water
- City of Copperas Cove
- City of Copperas Cove fee schedule dated October 1, 2026: 5/8" x 3/4" meter minimum, then residential rates per 1,000 gallons
- Property tax
- 2.22% of value
- 2026 tax year, Coryell County
- Garbage
- City of Copperas Cove
- Single-family residence monthly solid waste rate of $30.56 on the city fee schedule
- Sewer
- City of Copperas Cove
- Sewer minimum rate plus a rate per 1,000 gallons of water
- Electricity
- Oncor (delivery area)
- Copperas Cove is listed among the cities served by Oncor
- Gas
- Atmos Energy, Mid-Tex Division
- Copperas Cove is listed among the cities in Atmos Mid-Tex tariffs
- Schools
- Copperas Cove ISD
- Total tax rate of $1.05490 per $100 valuation adopted for 2026-27
Other TX cities
Austin home costsCollege Station home costsCorpus Christi home costsDenton home costsLeague City home costsPflugerville home costsSan Marcos home costsThe Colony home costsEl Paso home costsSchertz home costsBryan home costsLaredo home costsFate home costsKyle home costsBenbrook home costsManor home costsWichita Falls home costsBaytown home costsLago Vista home costsOdessa home costsMission home costsPrinceton home costsSeguin home costsWhite Settlement home costsGatesville home costsUvalde home costsRobinson home costsGranbury home costsLockhart home costsBuda home costs
How these numbers are made
- Property tax: City of Copperas Cove $0.686419 (city tax page), Coryell County $0.4752 (2025 adopted, from the county agenda; the 2026 vote was not found) and Copperas Cove ISD $1.0549 (2026-27, district announcement) per $100.
- Homestead: only the state $140,000 school exemption is applied; local city, county and district percentage exemptions are not confirmed from an official source and are not included.
- Water and sewer: City fee schedule dated October 1, 2026, 5/8" x 3/4" meter. Sewer is modeled as the $22.52 minimum plus $5.46 per 1,000 gallons of water used; the city bills residential sewer on a winter average with an 8,000 gallon floor, so a bill may differ.
- Not included: the $11.00 residential drainage charge on the fee schedule (its billing period is not stated there); natural gas cost is shown in the gas section only; MUD or PID charges in some neighborhoods; Lampasas County parcels; Middle Trinity groundwater district levy if any.
- Electricity uses the Texas statewide average residential price as a stand-in; Copperas Cove is in the competitive market with Oncor delivering power, so real bills depend on the retail plan. Insurance is the 2022 Texas statewide figure.
- The median value of $180,500 is a Census market value, not an assessed value, so homesteads with capped values may pay less.
- Nothing here is legal, tax or insurance advice.
- www.copperascovetx.gov
- citiesservedbyoncor.org
- www.atmosenergy.com
- www.ccisd.com
- www.copperascovetx.gov
- www.co.coryell.tx.us
- comptroller.texas.gov
- api.censusreporter.org
- comptroller.texas.gov
- www.eia.gov
- www.eia.gov
- legistar2.granicus.com
- legistar2.granicus.com
- www.iii.org
- comptroller.texas.gov
- www.thecolonytx.gov
- comptroller.texas.gov
How Copperas Cove compares
A typical Copperas Cove house against the 31 Texas cities we cover, using the same default numbers as the total above.
| Per year | Copperas Cove | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 2.22% | 2.03% | higher than 23 of the other 30 Texas cities we cover |
| Water | $1,001 | $690 | higher than 28 of the other 30 Texas cities we cover |
| Sewer and utility-bill fees | $711 | $687 | higher than 19 of the other 30 Texas cities we cover |
| Trash | $367 | $276 | higher than 25 of the other 30 Texas cities we cover |
| Electricity and gas | $3,327 | $2,690 | higher than 22 of the other 30 Texas cities we cover |
| Home insurance | $2,397 | $2,397 | lower than 1 of the other 27 Texas cities we cover |
| Total | $10,328 | $11,060 | lower than 19 of the other 30 Texas 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: Copperas Cove's property tax rate is 2.22%, higher than 23 of the other 30 Texas cities we cover. The rate adds up every agency on the bill, not only the city.
Ask: "Property tax in Copperas Cove is 2.22%, higher than 23 of the other 30 Texas 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 $1,001 a year at typical use, higher than 28 of the other 30 Texas cities we cover.
Ask: "Water here costs about $1,001 a year at typical use, higher than 28 of the other 30 Texas cities we cover. What drives that cost, and would you change anything?"
3. Trash
The fact: Trash pickup here costs about $367 a year for the standard cart, higher than 25 of the other 30 Texas 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 $367 a year for the standard cart, higher than 25 of the other 30 Texas cities we cover. What drives that cost, and would you change anything about the service or the price?"
Common questions about Copperas Cove house costs
What is the property tax rate in Copperas Cove?
About 2.22% of the value before exemptions a year (2026 tax year, Coryell County), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Copperas Cove?
About $9,606 a year on $500,000 of the value before exemptions with the school homestead exemption.
How much is the water bill in Copperas Cove?
About $143 a month for water and sewer at typical use (7,000 gallons a month) on City of Copperas Cove.
How much does trash pickup cost in Copperas Cove?
$31 a month for a house.
Can seniors lower their property tax or bills in Copperas Cove?
Yes. Seniors 65+ or disabled: extra school exemption: School districts must give owners 65 or older or disabled an additional $60,000 homestead exemption on top of the $140,000 general one.
How much does a house in Copperas Cove cost to run each year?
A Copperas Cove house at the typical market value ($180,500) costs about $10,300 a year: $2,520 property tax and charges, $1,710 water and sewer, $370 trash, $3,330 electricity and gas, $2,400 home insurance. Estimated from public rates, not anyone's actual bill.