Norfolk, VA · Updated Oct 2026

What a Norfolk 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 Norfolk house

$10,669a year · $889 a month

Starts at $378,400 of value before exemptions. Typical use.

Property tax$4,654
1.230% of $378,400
Electricity and gas$3,745
1078 kWh a month $2,384 · 47.7 therms $1,362
Water and sewer$1,867
6 units (CCF) a month on City of Norfolk Department of Utilities: water $40, sewer $94, stormwater fee $15, water tax (typical bill) $6 a month
Trash$402
Weekly curbside service (one flat fee), $34 a month
Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.

A typical Norfolk house pays about $10,700 a year: $4,650 property tax and charges, $1,870 water and sewer, $400 trash, $3,750 electricity and gas; 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, household income up to $67,000: real estate tax exemption or deferralIncome up to $67,000
Norfolk homeowners 65 or older, or totally and permanently disabled, who live in the home, with combined household income up to $67,000 and net worth excluding the home up to $350,000, can get an exemption or deferral. At income of $0 to $28,611 the tax is exempt up to an assessed value of $327,900; higher incomes get a deferral only.
How: Apply with the Department of Human Services between February 1 and June 1 each year; everyone must apply every year.
Veterans rated 100% service-connected disabled: real estate tax exemption on your homeExemption
Armed forces veterans who are 100% service-connected disabled can apply for a real estate tax exemption on their primary residence, regardless of income. A surviving spouse may become eligible if the veteran died on or after January 1, 2011, and the spouse remains in the home and does not remarry.
How: Apply to the City of Norfolk for the real estate tax exemption (see the Real Estate Tax Relief Program page).
Low income: Dominion Energy PIPP sets your electric bill by income6% or 10% of income
Households with income up to 150% of the federal poverty level pay a monthly electric bill based on income: 10% of income if they heat with electricity, 6% with another heat source.
How: Apply through the Virginia Department of Social Services at commonhelp.virginia.gov, or in person, by mail or by fax through your local Department of Social Services.
Bulk waste, yard waste and tire pickup are part of the refuse serviceIncluded in the refuse fee
Norfolk's refuse service provides residential curbside collection of household trash, recyclables, bulk waste, yard waste and tires.
How: Put out bulk waste per the refuse service rules.

Money dates

Feb 1 – Jun 1in 101 daysApplication period for the Real Estate Tax Relief/Deferral Program for homeowners 65 and older or totally disabled; applicants must file annually.
Sep 30 · Dec 5 · Mar 31 · Jun 5Real estate tax is billed quarterly: the first quarter is due September 30, the second December 5, the third March 31 and the fourth June 5.

Who serves this house

Water: City of Norfolk Department of Utilities; FY2027 residential water rate (July 1, 2026 through June 30, 2027), per hundred cubic feet (CCF); 1 CCF = 748 gallons
Property tax: 1.23% of value; FY 2027 (July 1, 2026 to June 30, 2027), City of Norfolk
Garbage: City of Norfolk Public Works, Waste Management; Curbside collection of household trash, recyclables, bulk waste, yard waste and tires; the fee is on the combined city utility bill
Sewer: City of Norfolk Department of Utilities and HRSD; Norfolk bills a wastewater collection fee; the treatment fee is charged by the Hampton Roads Sanitation District
Electricity: Dominion Energy Virginia; Schedule 1 residential service: $7.58 basic customer charge a month
Gas: Virginia Natural Gas; Schedule 1 residential firm gas sales service: $14.18 customer charge a month

Pay or manage your bills

Your water

Source: The Department of Utilities obtains its raw (untreated) water from eight reservoirs, two rivers, and four deep wells.
Lead: Lead and copper in customers' homes (2023 triennial sampling): no lead was detected at the monitoring level during that monitoring period.

How these numbers are made

Water: the FY2027 rate of $6.74 per CCF from the Norfolk Department of Utilities; there is no fixed monthly water charge, and no fee if no water is used. Starting use is 6 CCF a month, the usage in the city's own typical-bill example.
Sewer: the $5.89 per CCF Norfolk wastewater collection fee plus the $9.84 per CCF Hampton Roads Sanitation District treatment fee, added per unit of water used. HRSD's $0.45 per day minimum is not modelled. The monthly stormwater fee ($15.12, the one-ERU minimum; the $0.504 daily per-ERU rate may be higher for large lots) is a flat monthly line on the same bill. Norfolk also bills a water tax on the same bill, based on the water charge; the city bill guide shows $5.62 in its 6 CCF typical bill, which is used here as a flat monthly line (it may differ at other usage).
Trash: Norfolk's refuse fee of $402.12 a year per single-family dwelling, divided by 12 ($33.51 a month) and billed on the combined utility bill. The city's bill guide shows a daily rate of $1.102 ($33.06 for a 30-day month).
Property tax: the FY2027 real estate rate of $1.23 per $100 of assessed value, applied to the value you enter. Norfolk schools are funded through the city, so there is no separate school rate. Virginia has no general homestead exemption; relief for seniors, disabled owners and disabled veterans is in the tips. The starting value is the FY2027 median assessed value ($378,400) from Chesapeake's Hampton Roads tax comparison. Personal property (car) tax is not included.
Electricity: Dominion Energy Virginia Schedule 1 for usage from July 1, 2026, with every per-kWh rider effective September 1, 2026 and the state consumption tax, using a weighted average of four summer months and eight winter months for the generation charge. The fixed charge adds Norfolk's $3.75 maximum electric utility tax to the $7.58 basic customer charge. Starting use is 1,078 kWh a month (EIA 2020 survey average, as used in Chesapeake's Hampton Roads tax comparison).
Gas: Virginia Natural Gas Schedule 1 October 2026 billing rate plus the CARE charge, converted to therms at 1.037 therms per Ccf; the fixed charge adds the $3.89 SAVE charge and Norfolk's $1.50 monthly gas utility tax to the $14.18 customer charge. VNG's rate changes monthly. Starting use is 46 Ccf (about 47.7 therms).
The $378,400 starting value is the benchmark median assessed value in Chesapeake's comparison table row for Norfolk; it may be Chesapeake's median, so treat it as an approximation. The $5.62 water tax is the typical-bill figure for 6 CCF; the tax varies with the water charge.
Nothing here is legal, tax or insurance advice.

Sources

Common questions about Norfolk house costs

What is the property tax rate in Norfolk?

About 1.23% of the value before exemptions a year (FY 2027 (July 1, 2026 to June 30, 2027), City of Norfolk), plus flat charges on the same bill.

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

About $6,150 a year on $500,000 of the value before exemptions.

How much is the water bill in Norfolk?

About $156 a month for water and sewer at typical use (6 units, or 4,488 gallons a month) on City of Norfolk Department of Utilities.

How much does trash pickup cost in Norfolk?

$34 a month for a house.

Can seniors lower their property tax or bills in Norfolk?

Yes. Seniors 65+ or disabled, household income up to $67,000: real estate tax exemption or deferral: Norfolk homeowners 65 or older, or totally and permanently disabled, who live in the home, with combined household income up to $67,000 and net worth excluding the home up to $350,000, can get an exemption or deferral. At income of $0 to $28,611 the tax is exempt up to an assessed value of $327,900; higher incomes get a deferral only.

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

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