What a Lago Vista 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, $420,000; your assessed value is often lower. Typical use.
- Property tax$6,214
1.916% of $420,000, less $140,000 school homestead exemption and less $84,000 travis county 20% homestead exemption
- Electricity$2,112
1096 kWh a month $2,112
- Water and sewer$1,859
7,000 gallons a month on City of Lago Vista: water $64, sewer $91 a month
- Trash$264
Trash cart, before sales tax (first recycling cart included), $22 a month
- Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.
A Lago Vista house at the typical market value ($420,000) costs about $10,400 a year: $6,210 property tax and charges, $1,860 water and sewer, $260 trash, $2,110 electricity; home insurance is not included (no typical premium yet). 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: extra school exemption$60,000 off school taxable value
For persons age 65 or older or disabled, school districts must provide an additional $60,000 residence homestead exemption.
How: Ask the appraisal district; the state form is Form 50-114.
Seniors 65+ or disabled: extra Travis County exemption$145,269 off county taxable value
Travis County offers an additional $145,269 exemption for homesteads of those 65 years and older or disabled.
How: Offered by Travis County; see the county's tax rate impact statement.
Money dates
- Feb 1in 100 daysProperty tax penalties and interest begin to accrue on February 1
Who serves this house
- Water
- City of Lago Vista
- Residential water rates are listed on the city's rate page in a 2019 to 2020 and a 2020 to 2021 column (both show a $36.52 base). Confirm with the City Utility Department at 512-267-1155.
- Property tax
- 1.92% of value
- 2026 tax year, Travis County
- Garbage
- Progressive Waste Solutions
- The City of Lago Vista contracts with Progressive Waste Solutions to provide solid waste collection service to the city’s residents.
- Sewer
- City of Lago Vista
- Base $19.00 plus $10.75 per 1,000 gallons
- Schools
- Lago Vista ISD
- 2026-27 total tax rate $1.0778 per $100
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 costs
How these numbers are made
- The City of Lago Vista bills water, wastewater, trash and recycling on one utility bill. Water uses the city's published residential rates (2020 to 2021 column; no newer schedule found) with 2,000 gallons included in the base; sewer is $19.00 plus $10.75 per 1,000 gallons, applied here to the same typical water use (no sourced winter-average use) although the city bills sewer on winter-average use. Trash is the city's 2020-21 price before sales tax.
- Property tax: City of Lago Vista $0.451988 (2026 no-new-revenue rate), Travis County $0.386210 (FY 2027 proposed) and Lago Vista ISD $1.0778 (2026-27 recommended) per $100. Exemptions applied: $140,000 school; 20% for Travis County.
- Starting value: Census ACS 2024 5-year median value of owner-occupied homes ($420,000), a market value.
- Electricity: EIA Texas average residential price (16.06 cents per kWh) and 2024 Texas average use of 1,096 kWh a month; we could not source which provider's rates apply in Lago Vista, and gas is not included. Not included: natural gas or propane, insurance, ACC, ESD and Central Health taxes, MUD/PID charges.
- Modelling notes: the city rate page shows only 2019-20 and 2020-21 columns, so no newer schedule was found; drought and conservation fees are not included. Electric: HIFLD lists Bluebonnet and Pedernales Electric Cooperatives as serving parts of Lago Vista, so the statewide average is used. Savings forms are filed with the county appraisal district.
- Nothing here is legal, tax or insurance advice.
- Lago Vista residential utility rates
- Lago Vista trash and recycling
- Lago Vista taxes
- Lago Vista 2026 truth in taxation calculations
- Lago Vista ISD 2026-27 tax rate board item
- Travis County FY 2027 taxpayer impact statement
- Census ACS 2024 DP04 Lago Vista
- Texas Comptroller exemptions
- EIA average residential price
- EIA average monthly use
- Travis CAD 2026 exemption listing (via Neuhaus Realty)
How Lago Vista compares
A typical Lago Vista house against the 19 Texas cities we cover, using the same default numbers as the total above.
| Per year | Lago Vista | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 1.92% | 2.07% | lower than 13 of the other 18 Texas cities we cover |
| Water | $762 | $588 | higher than 15 of the other 18 Texas cities we cover |
| Sewer and utility-bill fees | $1,096 | $696 | higher than 14 of the other 18 Texas cities we cover |
| Trash | $264 | $276 | lower than 12 of the other 18 Texas cities we cover |
| Electricity and gas | $2,112 | $2,790 | lower than 14 of the other 18 Texas cities we cover |
| Total | $10,449 | $11,521 | lower than 14 of the other 18 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. Water
The fact: Water here costs about $762 a year at typical use, higher than 15 of the other 18 Texas cities we cover.
Ask: "Water here costs about $762 a year at typical use, higher than 15 of the other 18 Texas 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 $1,096 a year, higher than 14 of the other 18 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 $1,096 a year, higher than 14 of the other 18 Texas 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 $2,112 a year, lower than 14 of the other 18 Texas cities we cover. Rates are set mostly by the utility and the state.
Ask: "Electricity and gas here cost about $2,112 a year for a typical house, lower than 14 of the other 18 Texas cities we cover. Which parts of that can the city influence, and what would you do about them?"
Common questions about Lago Vista house costs
What is the property tax rate in Lago Vista?
About 1.92% of the value before exemptions a year (2026 tax year, Travis County), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Lago Vista?
About $7,685 a year on $500,000 of the value before exemptions with the school homestead exemption.
How much is the water bill in Lago Vista?
About $155 a month for water and sewer at typical use (7,000 gallons a month) on City of Lago Vista.
How much does trash pickup cost in Lago Vista?
$22 a month for a house.
When is property tax due in Lago Vista?
Feb 1: Property tax penalties and interest begin to accrue on February 1
Can seniors lower their property tax or bills in Lago Vista?
Yes. Seniors 65+ or disabled: extra school exemption: For persons age 65 or older or disabled, school districts must provide an additional $60,000 residence homestead exemption.
How much does a house in Lago Vista cost to run each year?
A Lago Vista house at the typical market value ($420,000) costs about $10,400 a year: $6,210 property tax and charges, $1,860 water and sewer, $260 trash, $2,110 electricity; home insurance is not included (no typical premium yet). Estimated from public rates, not anyone's actual bill.