Fate, TX · Updated Oct 2026

What a Fate 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 Fate house

$12,328a year · $1,027 a month

Starts at the typical market value, $384,300; your assessed value is often lower. Typical use.

A Fate house at the typical market value ($384,300) pays about $12,300 a year: $4,690 property tax and charges, $1,670 water and sewer, $250 trash, $3,330 electricity and gas, $2,400 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:

Seniors 65+ or disabled: $50,000 off city taxable value$50,000 off City of Fate taxable value
A person age 65 or older in the City of Fate may apply for an exemption from city taxation of $50,000 of the assessed value of the resident’s homestead.
How: Apply through the Rockwall Central Appraisal District, 972-771-2034.
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.
Your winter water use sets your sewer charge
Sewer is billed based on a “Winter Average,” which is the average consumption over December, January, and February.
How: Call 972-771-4601 x143 with water and wastewater questions.
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.

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).
15th of each monthWater bills are due by the 15th day of the month; bills are mailed anytime by the 20th.
16th of each monthIf payment is not received by the due date, a penalty fee of 10% of balance owed is assessed on the 16th day of the month.

Who serves this house

Water: City of Fate; Inside City residential rates: a monthly base rate by meter size, plus consumption rates per 1,000 gallons
Property tax: 1.61% of value; 2025 tax year (bills mailed fall 2025), Rockwall County
Garbage: Waste Connections (city service); Trash and recycling billed on the city water bill, one 96-gallon trash cart and one 96-gallon recycle cart
Sewer: City of Fate; Sewer is billed on a winter average of December, January and February water use
Electricity: Oncor (delivery area); Fate is a member of the Steering Committee of Cities Served by Oncor
Gas: Atmos Energy, Mid-Tex Division; Fate is listed among the cities in Atmos Mid-Tex's tariffs
Schools: Rockwall ISD or Royse City ISD; Rockwall ISD $1.0669 per $100; Royse City ISD $1.2552 per $100

Pay or manage your bills

Your water

Rates approved: The city's page (as of 2026-10-22) says the rates were approved during the 09/21/2026 City Council Meeting. Rates may change.

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How these numbers are made

Fate bills water, sewer, trash and recycling together on one monthly city utility bill, so we calculate yours from the city's published rates and what you tell us.
Garbage: Waste Connections, $20.56 a month for one 96-gallon trash cart and one 96-gallon recycle cart (the city's FY2027 budget says trash rates rise 3.84% and will be presented later this year, so this may change). Water: Inside City residential, $21.96 a month for a 5/8-inch meter, then $5.05, $6.82, $9.20 and $12.89 per 1,000 gallons at 5,000, 10,000 and 100,000 gallons. Sewer: $43.47 a month plus $5.42 per 1,000 gallons; the city uses your winter average, and we use this month's water as a stand-in. Fate's page shows no stormwater fee on the utility bill, so none is included. No published typical-use figure for a house was usable, so the page default is used.
Electricity: Texas has retail electric choice in most areas, so the price depends on the plan you pick. We use EIA's Texas average residential price, 16.06 cents per kWh (year to date through July 2026), with no separate monthly charge, and EIA's 2024 Texas average of 1,096 kWh a month. Gas: Atmos Mid-Tex Rate R from Oct 1, 2026, $24.40 a month plus $1.03839 per Ccf and Rider GCR gas cost of $0.85017 per Ccf from Atmos's example bill, converted to therms; typical use 40.7 Ccf (42.2 therms). Franchise fee and tax riders are not included. Insurance: the 2022 Texas average premium.
Property tax: the latest rates published on Fate's page (FY2025-26, tax year 2025), City of Fate $0.290869, Rockwall County $0.251 and Rockwall ISD $1.0669 per $100, with the $140,000 school homestead exemption. We did not find a published 2026 city, county or school rate. The starting value, $384,300, is the Census ACS median value of owner-occupied homes (market value), not an appraisal-district figure; assessed values under the 10% homestead cap are likely lower. Over-65, disabled and veteran exemptions are tips, not applied.
School district: Fate is split between Rockwall ISD (south and west) and Royse City ISD (north and east). By 2020 Census housing units inside the city limits the split is nearly even (about 2,810 vs 2,779), so we used Rockwall ISD; Royse City ISD homeowners pay $1.2552 per $100, about $1,880 a year more on a $384,300 home after the $140,000 exemption. Some Fate neighborhoods also have PID or MUD assessments that are not on the page's total (the city's tax estimator says it does not include PID assessments).
Nothing here is legal, tax or insurance advice.

Sources

Common questions about Fate house costs

What is the property tax rate in Fate?

About 1.61% of the value before exemptions a year (2025 tax year (bills mailed fall 2025), Rockwall County), plus flat charges on the same bill.

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

About $6,550 a year on $500,000 of the value before exemptions with the school homestead exemption.

How much is the water bill in Fate?

About $139 a month for water and sewer at typical use (7,000 gallons a month) on City of Fate.

How much does trash pickup cost in Fate?

$21 a month for a house.

Can seniors lower their property tax or bills in Fate?

Yes. Seniors 65+ or disabled: $50,000 off city taxable value: A person age 65 or older in the City of Fate may apply for an exemption from city taxation of $50,000 of the assessed value of the resident’s homestead.

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

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