Smithfield, VA · Updated Oct 2026

What a Smithfield 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 Smithfield house

$9,405a year · $784 a month

Starts at the typical market value, $374,900; your assessed value is often lower. Typical use.

Property tax$3,637
0.970% of $374,900
Electricity$2,259
1032 kWh a month $2,259
Water and sewer$2,091
7,000 gallons a month on Town of Smithfield: water $51, sewer $123 a month
Trash$87
Town cart, $7 a month
Home insurance$1,332
Typical premium $1,332

A Smithfield house at the typical market value ($374,900) pays about $9,400 a year: $3,640 property tax and charges, $2,090 water and sewer, $90 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:

Seniors 65+ or totally disabled: county real estate tax reliefRelief based on income and resources
Isle of Wight County has a tax relief program for the elderly and disabled; applicants must own and occupy the property, and the owner on the tax bill must be at least 65 by June 30 of the preceding taxable year (no age limit for permanent and total disability).
How: Call the Commissioner of the Revenue at 757-365-6218 to set an appointment; apply each year between January 1 and June 30.
Call-in yard debris pickupWednesdays, 10 bags or bundles
The town does call-in debris pickup each Wednesday, limited to 10 bags or bundles of yard debris per pickup day.
How: Call 757-365-4200 option 4 or email kjones@smithfieldva.gov to schedule.
Spring and fall community cleanup daysTwice a year
The Town provides a Spring and Fall Community Cleanup Day each year; dates and areas are announced on the town website.
How: Watch the town website for the dates.
Recycling is at the county centerSingle-stream recycling
The town discontinued curbside recycle collection effective January 16, 2021; household recycling goes to Isle of Wight County facilities.
How: See the Isle of Wight County Refuse and Recycling Center User Guide linked on the town trash page.

Money dates

Jan 1 – Jun 30 each yearin 70 daysYou must apply each year for real estate tax relief between January 1st and June 30th.
June 5 and December 5Isle of Wight County real estate tax installments are due.
June 7Town real estate tax payments are due by June 7th; the late-payment penalty on tax over $100.00 is 10%.

Who serves this house

Water: Town of Smithfield; The water usage rate for in-town customers is $6.75 per 1000 gallons used; town customers are billed bimonthly.
Property tax: 0.97% of value; 2026 tax year: Isle of Wight County rate and Town of Smithfield rate for July 1, 2026 through June 30, 2027
Garbage: Bay Disposal (town contract); Weekly cart pickup; $87.12 a year on the real estate tax bill; the town discontinued curbside recycling
Sewer: Town of Smithfield and HRSD; Town sewage collection is billed per 1000 gallons; HRSD wastewater treatment rates apply based on water usage
Electricity: Dominion Energy; The Town newcomer guide lists Dominion Energy and Community Electric Cooperative for electricity
Schools: Isle of Wight County Schools; The newcomer guide lists the schools at 820 West Main St., Smithfield

Pay or manage your bills

How these numbers are made

Property tax: Isle of Wight County $0.81 per $100 plus Town of Smithfield $0.16 per $100 of assessed value, both stated on their rate pages; town residents pay both. County schools are funded through the county, so there is no separate school rate.
The starting value $374,900 is the Census-based median property value from Data USA (2024). It is a market value; assessed values may differ, and we found no assessor median. The county reassesses next effective July 1, 2027.
Water and sewer: the town page lists $6.75 per 1,000 gallons water, $3.74 per 1,000 gallons sewer collection, a $11.47 service fee and an $18.62 sewer compliance fee, billed bimonthly (we assume both fees are per bimonthly bill and halve them to monthly), plus HRSD treatment at $9.84 per CCF (FY 2027), converted at 0.748 CCF per 1,000 gallons. The town bill guide also lists a debt service fee (fluoride removal at the water plant) whose amount we could not find, so it is not included. The town page gives no effective date for these rates, and Smithfield Times coverage of the 2024-25 budget reports a water rate of $7 and a sewer rate of $3.99 per 1,000 gallons, so the town page figures may be out of date; we could not confirm any 2026-27 town rate. Fixed fees are also unconfirmed against the current budget.
Trash: $87.12 a year on the real estate tax bill, divided by 12.
Electricity: Dominion Energy Schedule 1 effective July 1, 2026 with riders and the state consumption tax, weighted for 4 summer and 8 other months, plus the town electric utility tax capped at $1.00. Parts of the area are served by Community Electric Cooperative. Gas is provided by Columbia Gas of Virginia, but its published rate sheet could not be read reliably, so gas is not priced. The Isle of Wight County stormwater management fee FAQ lists $41.04 a year ($20.52 on each half of the real estate tax bill) for developed residential property; it does not say whether parcels inside the towns pay it, so it is not included.
Nothing here is legal, tax or insurance advice.

Sources

How Smithfield compares

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

Per year	Smithfield	Median	Where it falls
Property tax rate	0.97%	1.06%	lower than 9 of the other 14 Virginia cities we cover
Water	$614	$614	in the middle of 14 other Virginia cities we cover
Sewer and utility-bill fees	$1,477	$784	higher than 13 of the other 14 Virginia cities we cover
Trash	$87	$234	lower than 10 of the other 12 Virginia cities we cover
Electricity and gas	$2,259	$3,304	lower than 13 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	$9,405	$10,361	lower than 8 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. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $1,477 a year, higher than 13 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 $1,477 a year, higher than 13 of the other 14 Virginia cities we cover. What drives that cost, and would you change anything?"

2. Trash

The fact: Trash pickup here costs about $87 a year for the standard cart, lower than 10 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 $87 a year for the standard cart, lower than 10 of the other 12 Virginia 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 $2,259 a year, lower than 13 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 $2,259 a year for a typical house, lower than 13 of the other 14 Virginia cities we cover. Which parts of that can the city influence, and what would you do about them?"

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Common questions about Smithfield house costs

What is the property tax rate in Smithfield?

About 0.97% of the value before exemptions a year (2026 tax year: Isle of Wight County rate and Town of Smithfield rate for July 1, 2026 through June 30, 2027), plus flat charges on the same bill.

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

About $4,850 a year on $500,000 of the value before exemptions.

How much is the water bill in Smithfield?

About $174 a month for water and sewer at typical use (7,000 gallons a month) on Town of Smithfield.

How much does trash pickup cost in Smithfield?

$7 a month for a house.

When is property tax due in Smithfield?

June 5 and December 5: Isle of Wight County real estate tax installments are due.

Can seniors lower their property tax or bills in Smithfield?

Yes. Seniors 65+ or totally disabled: county real estate tax relief: Isle of Wight County has a tax relief program for the elderly and disabled; applicants must own and occupy the property, and the owner on the tax bill must be at least 65 by June 30 of the preceding taxable year (no age limit for permanent and total disability).

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

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