Lynchburg, VA · Updated Oct 2026

What a Lynchburg 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 Lynchburg house

$7,532a year · $628 a month

Starts at $207,116 of value before exemptions. Typical use.

A typical Lynchburg house pays about $7,500 a year: $1,740 property tax and charges, $860 water and sewer, $0 trash, $3,600 electricity and gas, $1,330 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 permanently disabled, income $50,200 or less: real estate tax reliefReal estate tax relief
If you own and live in your home in Lynchburg, are 65 or older or permanently disabled, have a yearly income of $50,200 or less and a net worth of $100,000 or less (not counting the fair market value of the home you live in), you may qualify for real estate tax relief.
How: Applications are available each June and are due August 1; a new application is required every year.
Disabled veterans rated 100%: no real estate tax on your homeFull exemption
A veteran rated by the U.S. Department of Veterans Affairs with a 100% service-connected, permanent and total disability may be exempt from real estate tax on the home they own and live in. A surviving spouse may also qualify if the veteran died after January 1, 2011, the spouse has not remarried and still lives there.
How: Use the Disabled Veteran Real Estate Tax Exemption application; questions: 434-455-3870.
Renovating a house 50+ years old: 10-year rehabilitation tax exemption10-year program
For a residential structure 50 years old or more, work that increases the improvement value by 40% or more can earn an exemption equal to the increase in assessed value from the work. It does not freeze taxes; the exemption is reduced by 25% a year in the last three years of the program.
How: File the application at the City Assessor's office before starting the work, with a $125 non-refundable fee; finish within two years and keep all taxes paid.
Drop off up to 500 pounds of trash a month free500 lb a month plus bulk and brush
Lynchburg residents can take up to 500 pounds of household trash each month, plus unlimited bulk and brush items, to the Convenience Center at 2525 Concord Turnpike at no additional cost. Trash above 500 pounds is $0.02 a pound.
How: Bring a driver's license and/or a utility bill from the past 30 days; credit or debit cards only for any charges.
Only one trash cart is free this yearExtra carts still charged
The fiscal year 2027 waiver covers trash collection for a single cart. Fees for second and additional carts and for prepaid blue bags still apply; blue bags cost $10 for a roll of five.
How: To change carts, call the Citizens First Information Center at 434-856-2489 (CITY).
Sewer is capped in the spring and summerLower sewer charges in watering months
Utility bills received from May through October reflect a seasonal sewer cap: the average of your monthly water use in the fall and winter months, multiplied by 1.25, is used for the sewer charge in the spring and summer months, so outdoor watering is not charged as sewer.
How: The dates your water use is measured for the cap are listed on the front of your bill.

Money dates

Nov 15in 23 daysFirst real estate tax installment due (July 1 through September 30).
Jan 15in 84 daysSecond real estate tax installment due (October 1 through December 31).
Mar 15Third real estate tax installment due (January 1 through March 31).
May 15Fourth real estate tax installment due (April 1 through June 30); a 10% penalty is assessed if the May 15 deadline is not met.

Who serves this house

Water: Lynchburg Water Resources; City of Lynchburg water rates in place from July 1, 2026 to June 30, 2027: $3.62 per HCF (748 gallons), plus a $7.69 monthly service charge for a 5/8-inch meter; billed monthly
Property tax: 0.84% of value; FY 2027 (July 1, 2026 to June 30, 2027), City of Lynchburg
Garbage: City of Lynchburg Public Works (Solid Waste); Trash pickup in a city cart (32 or 64 gallons); the $10-a-month fee for one cart is waived from July 1, 2026 to June 30, 2027
Sewer: Lynchburg Water Resources; $8.65 per HCF of metered water use; bills from May through October use a seasonal sewer cap
Electricity: Appalachian Power; Residential service: $7.96 basic service charge a month plus per-kWh charges and riders
Gas: Columbia Gas of Virginia; Residential Sales Service (RS): $33.00 customer charge a month plus a rate per dekatherm

Pay or manage your bills

Your water

Source: Two sources: the 138-acre Pedlar Reservoir in Amherst County and the James River; at certain times, water is also drawn from the James River.
Lead: In additional 2025 samples at consumer taps, the 90th-percentile lead level was 1.5 ppb against a 15 ppb action level; zero samples exceeded the action level.
Sodium: Sodium averaged 5.8 ppm (range 5.7 to 6.0).

How these numbers are made

Property tax: the City of Lynchburg rate of $0.84 per $100 of assessed value, unchanged in the FY 2027 adopted budget. Lynchburg is an independent city, so there is no separate county or school district rate. The starting value is an average of about $207,116: the city's July 1, 2026 land book market value for single-family residential property ($5,749,546,000) divided by its 27,760 parcels (a class average, not a median; it may include vacant single-family lots). Virginia has no general homestead exemption; relief for seniors, disabled owners and disabled veterans is in the tips. Car (personal property) tax is not included.
Water and sewer: Lynchburg Water Resources rates in place from July 1, 2026 ($3.62 per HCF of water, $8.65 per HCF of sewer, and the $7.69 monthly service charge for a 5/8-inch meter, adopted June 9, 2026). The starting use is 4.78 HCF a month, the FY 2025 average residential water use the FY 2027 budget states. The May to October sewer cap depends on each household's fall and winter use and is not modelled. The city's FY 2027 rate schedule lists no consumer utility tax on water.
Stormwater: $5.40 a month for one single-family unit (fee factor 1.0, a detached house with 1,301 to 4,300 sq ft of impervious area); houses under 1,300 sq ft pay half ($2.70) and over 4,301 sq ft pay 1.6 times. Trash: $0 for one cart, because Ordinance O-26-051 waives the $10-a-month trash fee for a single container from July 1, 2026 to June 30, 2027; a second cart is still charged.
Electricity: Appalachian Power Virginia Schedule R.S. as of September 24, 2026: the $7.96 basic service charge and the company's all-riders total of $0.16189 per kWh (its select-charges sheet, which excludes taxes), plus Lynchburg's residential consumer utility tax ($0.00460 per kWh up to 1,000 kWh, $0.00260 above) and Virginia's consumption tax ($0.001595 per kWh up to 2,500 kWh, $0.001085 above). Starting use is 1,032 kWh a month, EIA's 2024 average for Virginia homes.
Gas: Columbia Gas of Virginia Schedule RS interim billing rate from October 12, 2026 ($33.00 a month plus $17.159 per dekatherm, $1.7159 per therm), subject to refund in the pending rate case. Not included: Lynchburg's consumer utility tax on gas (the budget shows the city collects one, but we could not find a downloadable source for its residential rate) and Virginia's gas consumption taxes (about $0.02 per CCF). Starting use is about 49.9 therms a month: EIA's 2024 Virginia residential gas deliveries per residential consumer. Insurance is the 2022 Virginia average HO-3 premium (NAIC).
Nothing here is legal, tax or insurance advice.

Sources

How Lynchburg compares

A typical Lynchburg house against the 15 Virginia cities we cover, using the same default numbers as the total above.

Per year	Lynchburg	Median	Where it falls
Property tax rate	0.84%	1.06%	lower than 12 of the other 14 Virginia cities we cover
Water	$300	$614	lower than 13 of the other 14 Virginia cities we cover
Sewer and utility-bill fees	$561	$784	lower than 12 of the other 14 Virginia cities we cover
Trash	$0	$234	lower than 11 of the other 12 Virginia cities we cover
Electricity and gas	$3,599	$3,304	higher than 8 of the other 14 Virginia cities we cover
Home insurance	$1,332	$1,332	in the middle of 13 other Virginia cities we cover
Total	$7,532	$10,361	lower than 11 of the other 14 Virginia 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: Lynchburg's property tax rate is 0.84%, lower than 12 of the other 14 Virginia cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Lynchburg is 0.84%, lower than 12 of the other 14 Virginia 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 $300 a year at typical use, lower than 13 of the other 14 Virginia cities we cover.

Ask: "Water here costs about $300 a year at typical use, lower than 13 of the other 14 Virginia 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 $561 a year, lower than 12 of the other 14 Virginia 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 $561 a year, lower than 12 of the other 14 Virginia cities we cover. What drives that cost, and would you change anything?"

4. Trash

The fact: Trash pickup here costs about $0 a year for the standard cart, lower than 11 of the other 12 Virginia 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 $0 a year for the standard cart, lower than 11 of the other 12 Virginia cities we cover. What drives that cost, and would you change anything about the service or the price?"

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Common questions about Lynchburg house costs

What is the property tax rate in Lynchburg?

About 0.84% of the value before exemptions a year (FY 2027 (July 1, 2026 to June 30, 2027), City of Lynchburg), plus flat charges on the same bill.

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

About $4,200 a year on $500,000 of the value before exemptions.

How much is the water bill in Lynchburg?

About $72 a month for water and sewer at typical use (4.78 units, or 3,575 gallons a month) on Lynchburg Water Resources.

How much does trash pickup cost in Lynchburg?

$0 a month for a house.

When is property tax due in Lynchburg?

Nov 15: First real estate tax installment due (July 1 through September 30). Jan 15: Second real estate tax installment due (October 1 through December 31). Mar 15: Third real estate tax installment due (January 1 through March 31).

Can seniors lower their property tax or bills in Lynchburg?

Yes. Seniors 65+ or permanently disabled, income $50,200 or less: real estate tax relief: If you own and live in your home in Lynchburg, are 65 or older or permanently disabled, have a yearly income of $50,200 or less and a net worth of $100,000 or less (not counting the fair market value of the home you live in), you may qualify for real estate tax relief.

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

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