Schertz, TX · Updated Oct 2026

What a Schertz 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 Schertz house

$11,521a year · $960 a month

Starts at the typical market value, $317,100; your assessed value is often lower. Typical use.

Property tax$4,888
2.076% of $317,100, less $140,000 school district homestead exemption and less $5,000 guadalupe county homestead exemption and less $3,000 lateral road extra $3,000 homestead exemption
Electricity and gas$2,585
1096 kWh a month $1,731 · 32.08 therms $854
Water and sewer$1,413
7,000 gallons a month on City of Schertz: water $55, sewer $55, drainage fee (residential) $8 a month
Trash$239
Standard cart (one size), $20 a month
Home insurance$2,397
Typical premium $2,397

A Schertz house at the typical market value ($317,100) pays about $11,500 a year: $4,890 property tax and charges, $1,410 water and sewer, $240 trash, $2,580 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+: file the over-65 exemptions$60,000 off school taxable value
At 65, Schertz-Cibolo-Universal City ISD takes another $60,000 off your home's taxable value, the City of Schertz $10,000, Guadalupe County $10,000 more and the Lateral Road $7,000 more.
How: Apply with the appraisal district in your county (Form 50-114).
Disabled veterans rated 100%: total homestead exemptionTotal 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: File Form 50-114 with the appraisal district in your county.
Ask for a leak adjustmentAfter a leak or line break
After an unexpected water leak or line break, the city will consider an adjustment to your bill once repairs are made.
How: Complete the city's Request for Water Leak Adjustment Form.
Irrigation meter: water in winter without raising sewerOptional meter
An optional residential irrigation meter lets you water through the winter months without it affecting your sewer rate. A licensed plumber must install it.
How: Fill out the irrigation meter application or call Utility Billing at (210) 619-1100.
Low-to-moderate income owners: help with home energy upgrades (SHEEP)Duct, insulation, appliance upgrades
The Schertz Home Energy Efficiency Program assists low-to-moderate-income residents with upgrades such as air duct repair or sealing, insulation, efficient appliances and LED lighting. You must own and live in the home, the home must be 10 years old or older, and you must be a GVEC, CPS or NBU residential customer with at least one year at the address. Improvements are subject to city approval and available funds.
How: Submit the SHEEP application and call Neighborhood Services at 210-619-1650 for a pre-upgrade inspection.
Brush and bulk pickup every other weekUp to 3 cubic yards
Tied and bundled brush and bulk items go at the curb every other week on your trash day, with no need to schedule; brush/bulk is limited to three cubic yards.
How: Check your Week A or Week B on the city's interactive route map.
Household hazardous waste pickup on requestOnce a month by request
Household hazardous waste pickups are available once a month by request.
How: Schedule at HHWsolutions.com/schertz/ or call (972) 440-2040.

Money dates

Nov 3, 2026in 11 daysSCUC ISD Proposition A: if approved, the school tax rate is $1.1969 per $100; if not approved, $1.0769.
Jan 31in 100 daysProperty taxes are generally due; penalty and interest start on Feb. 1.
Apr 30General deadline to file exemption applications: before May 1.
May 15Usual deadline to protest your appraisal, or 30 days after the notice is mailed if later.

Who serves this house

Water: City of Schertz; FY 2026-27 residential rates for a 5/8 inch meter, per 1,000 gallons, on the monthly city utility bill
Property tax: 2.08% of value; 2026 tax year, Guadalupe County
Garbage: Frontier Waste Solutions; Weekly trash; recycling and brush/bulk every other week, billed by the city
Sewer: City of Schertz; Residential sewer use is based on your November, December and January average
Electricity: GVEC (Guadalupe Valley Electric Cooperative); Some Schertz homes are on CPS Energy or New Braunfels Utilities instead
Gas: CenterPoint Energy; Schertz is in CenterPoint's South Texas rate area ($30.33 customer charge)

Pay or manage your bills

Your water

Source: Groundwater from the Carrizo-Wilcox Aquifer via the Schertz Seguin Well Field; the Naco wells (Edwards Aquifer) are used only when Schertz Seguin supply is limited.
Lead: The 2025 90th-percentile lead result was 0 ppb (highest sample 9.3 ppb); the action level is 15 ppb.
Byproducts: The highest 2025 TTHM running average was 12 ppb at a sampling site; the limit is 80 ppb.
Violation: In 2025 the city missed lead and copper rule monitoring and reporting requirements; the missing samples were collected in the first quarter of 2026.

Other TX cities

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How these numbers are made

Water: City of Schertz FY 2026-27 residential rates for a 5/8 inch meter ($29.62 a month plus $3.65 to $7.43 per 1,000 gallons). The page starts at 9 CCF (about 6,700 gallons) because the city publishes no typical use. Some homes at the city's edges may be on another water supplier.
Sewer: $17.71 a month plus $5.57 per 1,000 gallons. The city bills sewer on your November-January average water use and charges $13.37 per 1,000 above 12,000 gallons; the calculator uses your monthly use at $5.57 throughout, so heavy summer watering makes our sewer figure too high and very large winter use too low. Drainage: we use the $8.00 monthly residential fee on the city's Drainage Utility page. The city proposed raising it to $11.00 per living unit equivalent (public hearing October 13, 2026), and its FY 2026-27 fee schedule lists $11.00 per residence; if the $11.00 fee applies to your bill, drainage is $36 a year more than shown.
Garbage: one residential rate of $19.93 a month from October 1, 2026, covering weekly trash, every-other-week recycling and brush/bulk, and household hazardous waste on request.
Electricity: GVEC's residential rates are not published as a tariff on its site, so we use its sample residential bill (November 2025): $25.00 a month plus $0.085 generation and transmission and $0.023818 delivery per kWh (10.88 cents). The voluntary POWER UP contribution is left out. Parts of Schertz (mainly in Bexar County) are served by CPS Energy, and some by New Braunfels Utilities, at different rates. Typical use is EIA's 2024 Texas residential average (1,096 kWh). Gas: CenterPoint R-2099-U commodity charge plus the October 2026 South Texas gas cost, divided by 1.037 to convert Ccf to therms; tax and franchise fee adjustments are left out. Typical gas use is EIA's Texas residential average.
Property tax: 2026 rates per $100 from the Guadalupe County Tax Assessor-Collector's 2026 rate list: City of Schertz 0.5296, Guadalupe County 0.2964, Lateral Road 0.0529 and Schertz-Cibolo-Universal City ISD 1.1969. The school rate is above the district's voter-approval rate and goes to voters as Proposition A on November 3, 2026; if it fails the school rate is $1.0769, about $212 a year less on the district's average home. Exemptions: $140,000 school, Guadalupe County's 1% ($5,000 minimum, also on the Lateral Road) and the Lateral Road's extra $3,000 (from the appraisal district's 2025 exemption table). The City of Schertz has no general homestead exemption.
These rates are for the Guadalupe County part of Schertz, where most of the city's property is. The Bexar County part pays Bexar County, the hospital district, Alamo Colleges, the river authority and flood fund instead, and may be in East Central ISD; the small Comal County part is in Comal ISD. Some newer areas may also be in a municipal utility or improvement district with its own tax. The starting value is the Census median (a market value); your appraised value may differ.
Nothing here is legal, tax or insurance advice.

Sources

How Schertz compares

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

Per year	Schertz	Median	Where it falls
Property tax rate	2.08%	2.03%	higher than 6 of the other 10 Texas cities we cover
Water	$654	$553	higher than 8 of the other 10 Texas cities we cover
Sewer and utility-bill fees	$758	$696	higher than 6 of the other 10 Texas cities we cover
Trash	$239	$280	lower than 9 of the other 10 Texas cities we cover
Electricity and gas	$2,585	$2,791	lower than 8 of the other 10 Texas cities we cover
Home insurance	$2,397	$2,397	in the middle of 10 other Texas cities we cover
Total	$11,521	$12,323	lower than 6 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. Water

The fact: Water here costs about $654 a year at typical use, higher than 8 of the other 10 Texas cities we cover.

Ask: "Water here costs about $654 a year at typical use, higher than 8 of the other 10 Texas cities we cover. What drives that cost, and would you change anything?"

2. Trash

The fact: Trash pickup here costs about $239 a year for the standard cart, lower 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 $239 a year for the standard cart, lower 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?"

3. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,585 a year, lower than 8 of the other 10 Texas cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,585 a year for a typical house, lower than 8 of the other 10 Texas 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 Schertz house costs

What is the property tax rate in Schertz?

About 2.08% of the value before exemptions a year (2026 tax year, Guadalupe County), plus flat charges on the same bill.

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

About $8,684 a year on $500,000 of the value before exemptions with the school district homestead exemption.

How much is the water bill in Schertz?

About $118 a month for water and sewer at typical use (7,000 gallons a month) on City of Schertz.

How much does trash pickup cost in Schertz?

$20 a month for a house.

When is property tax due in Schertz?

Jan 31: Property taxes are generally due; penalty and interest start on Feb. 1.

Can seniors lower their property tax or bills in Schertz?

Yes. Seniors 65+: file the over-65 exemptions: At 65, Schertz-Cibolo-Universal City ISD takes another $60,000 off your home's taxable value, the City of Schertz $10,000, Guadalupe County $10,000 more and the Lateral Road $7,000 more.

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

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