El PasoWhat a house pays
El Paso, TX · Updated Oct 2026

What a El Paso 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 El Paso house
$10,884a year · $907 a month

Starts at the typical market value, $224,614; your assessed value is often lower. Typical use.

A El Paso house at the typical market value ($224,614) pays about $10,900 a year: $4,430 property tax and charges, $660 water and sewer, $450 trash, $2,940 electricity and gas, $2,400 home insurance. 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+ or disabled: extra school exemption$60,000 more off EPISD value

    El Paso ISD homeowners who are 65 or older, or who have disabilities, receive an additional $60,000 exemption on top of the $140,000 school homestead exemption.

    How: Exemption applications are filed with the appraisal district in the county where the property is located.

  • Behind on the water bill: AguaCaresUp to $250 credit

    AguaCares is for El Paso Water customers facing financial hardship and at risk of disconnection: up to a $250 credit toward the water bill, once a year, with a payment arrangement for any outstanding balance.

    How: Apply through El Paso Water's Payment Assistance page when applications are open.

Money dates

  • Jan 31in 100 daysProperty tax bills are mailed every October and payment is due by January 31.
  • Jan 31in 100 daysHomeowners 65 or older, disabled or disabled veterans with the exemption can pay homestead taxes in installments: give notice and pay the first installment by Jan. 31.
  • Feb 1in 101 daysUnpaid property taxes become delinquent on February 1: 6% penalty plus 1% interest in February, growing each month after.
  • Apr 30General deadline to file exemption applications: before May 1.

Who serves this house

Water
El Paso Water
El Paso Water inside-city residential rates, effective with meter readings taken after March 1, 2026, billed in CCF (748 gallons)
Property tax
2.67% of value
2026 tax year, El Paso County
Garbage
City of El Paso Environmental Services
Billed on your El Paso Water bill
Sewer
El Paso Water
Wastewater charge based on your average winter water use
Electricity
El Paso Electric
Texas Residential Service Rate No. 01
Gas
Texas Gas Service
Small Residential Service Rate 10
Schools
El Paso ISD
Tax rate $1.0745 per $100 of taxable value
Pay or manage your bills

Your water

Source
The surface water source is the Rio Grande; the groundwater sources are the Mesilla Bolson and Hueco Bolson aquifers. Most customers receive water from two sources, depending on the time of year.
Lead
No lead service lines were identified in the EPWater distribution system.

Other TX cities

What a Austin house paysWhat a College Station house paysWhat a Corpus Christi house paysWhat a Denton house paysWhat a League City house paysWhat a Pflugerville house paysWhat a San Marcos house paysWhat a The Colony house paysWhat a Schertz house paysWhat a Bryan house paysWhat a Laredo house paysWhat a Fate house paysWhat a Kyle house paysWhat a Benbrook house paysWhat a Manor house pays

How these numbers are made
  • El Paso Water bills water, wastewater, stormwater and the City's solid waste charges on one monthly bill, so we calculate those from the published rates and the water use you enter. The page starts at 4 CCF, the typical household El Paso Water uses in its FY 2027-28 budget presentation.
  • Water (inside city, meter under 1 inch, from March 1, 2026): $11.82 minimum (includes 5 CCF) plus the $1.30 city franchise fee; the $17.49 water supply replacement charge applies only at 5 CCF or more, which we phase in between 4 and 5 CCF; then $3.92 per CCF. Use above 150% and 250% of your average winter consumption costs $9.26 and $13.24 per CCF; we cannot model that because it depends on your own winter average, so heavy summer watering is under-counted. Wastewater: $34.80 (the $24.36 rate for 1 CCF or less is not modeled) plus $4.86 per CCF on 90% of use above 5 CCF ($4.374 per CCF), applied to the use you enter as a stand-in for your winter average. Stormwater: $7.42, the 'Typical' residential tier.
  • Garbage: $37.36 a month = the $22.00 residential refuse collection fee, $6.50 environmental fee and $6.00 franchise fee in the FY 2027 fee schedule (from the proposed budget book; the budget was adopted 'as amended' on Aug 18, 2026), plus sales tax at the share shown on El Paso Water's sample bill ($2.65 on $32.00 of charges).
  • Electricity: El Paso Electric Texas Rate No. 01 standard rate as a year-round average (6 summer months at 12.897/13.897 cents, 6 non-summer at 10.897 cents), plus the 0.456% military base discount recovery factor on base charges and these per-kWh riders: fixed fuel factor $0.016015, EECRF $0.000687, COVID-19 asset surcharge $0.000498, GCRR $0.00349, rate case expense surcharge $0.000361, retiring plant rider $0.001825 and the relate-back revenue surcharge $0.01924 (billed for 12 months from Aug 1, 2026). Fixed: $13.71 x 1.00456 + $2.70 AMS surcharge. We leave out the temporary fuel refund (-$0.019402 per kWh for three months from Aug 17, 2026) and any city franchise fee or tax line. Usage starts at 1,096 kWh, EIA's 2024 Texas residential average.
  • Gas: Texas Gas Service Rate 10 ($23.08 a month; $0.92086 per Ccf + $0.002 economic development rate + $0.0113 pipeline integrity rider + October 2026 El Paso cost of gas $5.9429 per Mcf), converted to therms (1 Ccf = 1.037 therms): $1.4739 per therm. The cost of gas changes monthly (it was $2.2718 per Mcf in October 2025). Franchise fees and taxes on the gas bill are not included. Homes using 331 Ccf or more a year are on Rate 15 instead. Typical use, 1.7 Mcf a month, is Texas Gas Service's small residential average in its GRIP notice.
  • Property tax (2026 rates per $100): City of El Paso $0.798000 (Ordinance 019904, Aug 18, 2026), El Paso County $0.451133 (Aug 17, 2026), County Hospital District (UMC) $0.236904, the no-new-revenue rate the county adopted on Aug 24, 2026, El Paso Community College $0.110187 (Sept 23, 2026) and El Paso ISD $1.0745 (Sept 15, 2026): 2.546% before exemptions. Exemptions: El Paso ISD $140,000; City $5,000 and County $5,000 residential homestead (appraisal district list of April 2024; the 2026 certified totals show a $5,000 median homestead exemption in the city); EPCC and the Hospital District give no general homestead exemption. That list also shows over-65 exemptions of $42,500 (City), $20,000 (County) and $10,000 (EPCC), not modeled here. The starting value is the city's 2026 median homestead market value; the 10% homestead cap can make your appraised value lower.
  • We use El Paso ISD because it has the most homestead residences of the districts mostly inside the city (57,290 on the 2026 certified totals; Socorro ISD lists 61,115 but much of it is outside city limits, in Socorro, Horizon City and the Paseo del Este districts; Ysleta ISD 38,583). Socorro ISD and Ysleta ISD 2026 rates were not final when we checked because of pending voter-approval tax rate elections, so homes there will see different school taxes. Parts of the city are also in tax increment zones or the Downtown Management District. Insurance is the 2022 Texas statewide average (NAIC via Triple-I).
  • Water use: the page starts at 4 CCF, which El Paso Water's FY2027-28 presentation calls a typical household but also labels 'Low' use; at 5 CCF or more the $17.49 water supply replacement charge applies, and El Paso Water gives its current average total bill as $84.65 a month, so many homes pay more than shown here. Electricity uses Schedule 98's Texas system fuel factor (0.016015 per kWh); the secondary-voltage factor homes see is 0.016154, about $2 a year more.
  • Nothing here is legal, tax or insurance advice.
Sources
  1. El Paso Water: understanding your bill
  2. El Paso Water 2025 drinking water quality report
  3. El Paso Water rates and fees
  4. El Paso Electric Texas Residential Service Rate No. 01
  5. City of El Paso FY 2026 budget book
  6. Texas Gas Service Rate Schedule 10
  7. Texas Gas Service Economic Development Rate
  8. KFOX14: EPISD trustees adopt tax rate
  9. City of El Paso FY 2027 proposed budget book (fee schedule)
  10. El Paso Water sample bill
  11. City of El Paso FY 2027 budget resolution
  12. El Paso Water FY2027-28 budget community meeting presentation
  13. City of El Paso Ordinance 019904 levying FY2027 taxes
  14. KFOX14: El Paso County approves 2026 tax rate
  15. El Paso County Hospital District 2026 tax rate notice
  16. KFOX14: Hospital district approves tax rate
  17. El Paso Community College order setting 2026 tax rate
  18. City of El Paso notice of public hearing on tax increase, 2026
  19. El Paso Central Appraisal District 2026 certified totals
  20. Texas Comptroller: property tax exemptions
  21. El Paso Central Appraisal District entities and exemptions list (April 2024)
  22. El Paso Electric Military Base Discount Recovery Factor No. 96
  23. El Paso Electric AMS surcharge
  24. El Paso Electric Texas Fixed Fuel Factor No. 98
  25. El Paso Electric EECRF No. 97
  26. El Paso Electric COVID-19 asset surcharge
  27. El Paso Electric Generation Cost Recovery Rider
  28. El Paso Electric Rate Case Expense Surcharge
  29. El Paso Electric Retiring Plant Rider
  30. El Paso Electric Relate Back Revenue Surcharge
  31. EIA 2024 average monthly residential bill by state
  32. Texas Gas Service Pipeline Integrity Testing rider
  33. Texas Gas Service cost of gas, October 2026
  34. Texas Gas Service GRIP public notice
  35. Triple-I: homeowners insurance premiums by state (NAIC data)
  36. City of El Paso Environmental Services
  37. El Paso Water payment assistance
  38. El Paso Consolidated Tax Office
  39. El Paso tax office penalty and interest schedule
  40. Texas Comptroller: property tax deadlines calendar
  41. Texas Comptroller: property tax protests
  42. El Paso Electric fuel interim refund (Aug 2026)

How El Paso compares

A typical El Paso house against the 11 Texas cities we cover, using the same default numbers as the total above.

Per yearEl PasoMedianWhere it falls
Property tax rate2.67%2.03%higher than 10 of the other 10 Texas cities we cover
Water$157$553lower than 10 of the other 10 Texas cities we cover
Sewer and utility-bill fees$507$696lower than 10 of the other 10 Texas cities we cover
Trash$448$280higher than 9 of the other 10 Texas cities we cover
Electricity and gas$2,942$2,791higher than 7 of the other 10 Texas cities we cover
Home insurance$2,397$2,397in the middle of 10 other Texas cities we cover
Total$10,884$12,323lower than 10 of the other 10 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: El Paso's property tax rate is 2.67%, higher than 10 of the other 10 Texas cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in El Paso is 2.67%, higher than 10 of the other 10 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 $157 a year at typical use, lower than 10 of the other 10 Texas cities we cover.

Ask: "Water here costs about $157 a year at typical use, lower than 10 of the other 10 Texas cities we cover. What drives that cost, and would you change anything?"

3. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $507 a year, lower than 10 of the other 10 Texas 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 $507 a year, lower than 10 of the other 10 Texas cities we cover. What drives that cost, and would you change anything?"

4. Trash

The fact: Trash pickup here costs about $448 a year for the standard cart, higher than 9 of the other 10 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 $448 a year for the standard cart, higher than 9 of the other 10 Texas cities we cover. What drives that cost, and would you change anything about the service or the price?"

See who is running in your city →

Common questions about El Paso house costs

What is the property tax rate in El Paso?

About 2.67% of the value before exemptions a year (2026 tax year, El Paso County), plus flat charges on the same bill.

How much is property tax on a $500,000 house in El Paso?

About $11,787 a year on $500,000 of the value before exemptions with the school homestead exemption.

How much is the water bill in El Paso?

About $55 a month for water and sewer at typical use (4 units, or 2,992 gallons a month) on El Paso Water.

How much does trash pickup cost in El Paso?

$37 a month for a house.

When is property tax due in El Paso?

Jan 31: Property tax bills are mailed every October and payment is due by January 31. Feb 1: Unpaid property taxes become delinquent on February 1: 6% penalty plus 1% interest in February, growing each month after.

Can seniors lower their property tax or bills in El Paso?

Yes. Seniors 65+ or disabled: extra school exemption: El Paso ISD homeowners who are 65 or older, or who have disabilities, receive an additional $60,000 exemption on top of the $140,000 school homestead exemption.

Where can I get help paying utility bills in El Paso?

Behind on the water bill: AguaCares: AguaCares is for El Paso Water customers facing financial hardship and at risk of disconnection: up to a $250 credit toward the water bill, once a year, with a payment arrangement for any outstanding balance. Apply through El Paso Water's Payment Assistance page when applications are open.

How much does a house in El Paso cost to run each year?

A El Paso house at the typical market value ($224,614) pays about $10,900 a year: $4,430 property tax and charges, $660 water and sewer, $450 trash, $2,940 electricity and gas, $2,400 home insurance. Estimated from public rates, not anyone's actual bill.

All Texas citiesAll cities