What a Radford 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.
Starts at the typical market value, $220,700; your assessed value is often lower. Typical use.
- Property tax$1,854
0.840% of $220,700
- Electricity$2,261
1032 kWh a month $2,261
- Water and sewer$1,470
7,000 gallons a month on City of Radford: water $61, sewer $61 a month
- Trash$300
Standard containers (up to three, one pickup a week), $25 a month
- Home insurance$1,332
Typical premium $1,332
A Radford house at the typical market value ($220,700) pays about $7,200 a year: $1,850 property tax and charges, $1,470 water and sewer, $300 trash, $2,260 electricity, $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:
Disabled owners: part of your income is excludedFirst $7,500 of a disabled person's income is excluded
For the tax relief program, the first $7,500 of income of a disabled person is excluded, and the first $6,500 of income of anyone else living in the home is excluded (not a spouse's income).
How: Submit two certificates of disability with the annual application.
Money dates
- Every Dec 5in 43 daysSecond real estate tax installment is due December 5th.
- Every May 1Real estate tax relief applications are due by May 1 each year.
- After each due dateReal estate tax not paid by the due date gets a 10% penalty (not to exceed the tax), 10% yearly interest and a $20 administrative fee.
Who serves this house
- Water
- City of Radford
- City of Radford rates effective July 1, 2026, per 1,000 gallons; the minimum monthly charge covers 4,000 gallons.
- Property tax
- 0.84% of value
- 2026 tax year, City of Radford (84 cents per $100, adopted April 2026)
- Garbage
- City of Radford
- The Utility Billing Division handles billing for garbage collection
- Sewer
- City of Radford
- Monthly minimum charge covers 2,000 gallons, then a rate per 1,000 gallons
- Electricity
- City of Radford
- Residential basic customer charge per month plus an energy charge per kWh
- Schools
- Radford City Schools
- City of Radford real estate tax rate: 84 cents per $100 of assessed value
Your water
- Source
- The source of the drinking water is surface water from the New River.
- Violations
- The 2025 water quality report answers No to whether any PMCL or TT violation occurred during the year.
Other VA cities
What a Chesapeake house paysWhat a Fairfax house paysWhat a Roanoke house paysWhat a Newport News house paysWhat a Herndon house paysWhat a Lynchburg house paysWhat a Hampton house paysWhat a Salem house paysWhat a Danville house paysWhat a Suffolk house paysWhat a Smithfield house paysWhat a Manassas house paysWhat a Bristol house paysWhat a Warrenton house paysWhat a Norfolk house paysWhat a Portsmouth house paysWhat a Hopewell house paysWhat a Williamsburg house paysWhat a Martinsville house paysWhat a Petersburg house pays
How these numbers are made
- Property tax: the City of Radford rate of 84 cents per $100 of assessed value, approved by council in April 2026 for FY 2027 (raised from 82 cents), as reported by Cardinal News. Radford is an independent city, so there is no separate county or school district rate. Virginia has no general homestead exemption; the city's senior and disabled relief is in the tips. Car (personal property) tax is not included.
- The starting value is the Census median value of owner-occupied homes ($220,700, 2020-2024). It is a market value; the city says it assesses at 100% of fair market value, but we found no assessor median.
- Water: City of Radford rates effective July 1, 2026. The $36.32 minimum monthly charge covers 4,000 gallons, then $9.08 per 1,000 gallons up to 100,000. Sewer: $18.24 minimum covers 2,000 gallons, then $9.12 per 1,000 gallons over 2,000; we assume all water is billed for sewer.
- Electric: $20.00 customer charge plus the Radford utility tax of $.01505 per kWh capped at $3.00 a month (counted at the cap, as a typical house uses more than 200 kWh), so $23.00 fixed. Energy $0.09863 plus the $0.061670 wholesale power cost adjustment per kWh. State and local consumption taxes on electricity are not included.
- Gas: we could not confirm who serves Radford houses with natural gas, so no gas cost is included; some houses may use gas or other fuels. Insurance is the Virginia statewide average for 2022; Radford-specific premiums were not found.
- Nothing here is legal, tax or insurance advice.
- City of Radford utility rate sheet, effective July 1, 2026 (PDF)
- City of Radford Utility Billing
- City of Radford Real Estate Taxes (Treasurer)
- City of Radford Real Estate (Commissioner of the Revenue)
- City of Radford Real Estate Tax Relief
- Cardinal News: Radford council approval of latest increases (Apr 30, 2026)
- City of Radford 2025 annual drinking water quality report
- EIA Table 5A residential monthly use by state
- Triple-I homeowners insurance statistics (NAIC)
- Census QuickFacts: Radford city, Virginia
How Radford compares
A typical Radford house against the 15 Virginia cities we cover, using the same default numbers as the total above.
| Per year | Radford | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 0.84% | 1.06% | lower than 12 of the other 14 Virginia cities we cover |
| Water | $734 | $614 | higher than 11 of the other 14 Virginia cities we cover |
| Sewer and utility-bill fees | $737 | $784 | lower than 8 of the other 14 Virginia cities we cover |
| Trash | $300 | $234 | higher than 7 of the other 12 Virginia cities we cover |
| Electricity and gas | $2,261 | $3,304 | lower than 12 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 | $7,217 | $10,361 | lower than 12 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: Radford'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 Radford 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 $734 a year at typical use, higher than 11 of the other 14 Virginia cities we cover.
Ask: "Water here costs about $734 a year at typical use, higher than 11 of the other 14 Virginia 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 $2,261 a year, lower than 12 of the other 14 Virginia cities we cover. Rates are set mostly by the utility and the state.
Ask: "Electricity and gas here cost about $2,261 a year for a typical house, lower than 12 of the other 14 Virginia cities we cover. Which parts of that can the city influence, and what would you do about them?"
Common questions about Radford house costs
What is the property tax rate in Radford?
About 0.84% of the value before exemptions a year (2026 tax year, City of Radford (84 cents per $100, adopted April 2026)), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Radford?
About $4,200 a year on $500,000 of the value before exemptions.
How much is the water bill in Radford?
About $123 a month for water and sewer at typical use (7,000 gallons a month) on City of Radford.
How much does trash pickup cost in Radford?
$25 a month for a house.
When is property tax due in Radford?
Every Dec 5: Second real estate tax installment is due December 5th.
How much does a house in Radford cost to run each year?
A Radford house at the typical market value ($220,700) pays about $7,200 a year: $1,850 property tax and charges, $1,470 water and sewer, $300 trash, $2,260 electricity, $1,330 home insurance. Estimated from public rates, not anyone's actual bill.