Suffolk, VA · Updated Oct 2026

What a Suffolk 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 Suffolk house

$11,668a year · $972 a month

Starts at the typical market value, $388,000; your assessed value is often lower. Typical use.

A Suffolk house at the typical market value ($388,000) pays about $11,700 a year: $4,110 property tax and charges, $2,110 water and sewer, $360 trash, $3,750 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 disabled, income up to $75,583: real estate tax relief25% to 100% of the tax
The 2025/2026 program relieves 100% of the tax at combined income up to $57,801, 50% up to $66,693 and 25% up to $75,583. Net worth, not counting the home and up to 10 acres, cannot exceed $338,759. Relief is capped at $329,000 of value or the assessed value, whichever is less.
How: Apply each year between January 1 and June 30 with the Department of Social Services: call (757) 514-4870 or (757) 514-4222.
Veterans rated 100% service-connected permanent and total: no real estate tax on your homeFull exemption
Virginia exempts the home and up to 10 acres of a veteran rated 100% service-connected, permanent and total disabled by the VA who lives there. Surviving spouses who do not remarry may also qualify.
How: See the Veterans Real Estate Tax Relief Program on the city’s Tax Relief page.
Water leak repaired: ask for a bill adjustmentAdjustment on usage above average
An adjustment is only considered for consumption above average use. Pay the average bill by the due date while the review is pending.
How: Fill in the Leak Adjustment Form; allow 30 days for the review. Call 757-514-7000.

Money dates

Dec 5 · Jun 5in 43 daysReal Estate taxes are due in two installments: December 5 and June 5 of each year.
Jan 1 to Jun 30in 70 daysApply each year for senior and disabled real estate tax relief between January 1 and June 30.

Who serves this house

Water: City of Suffolk water; 1 CCF (100 cubic feet) = 748 gallons
Property tax: 1.06% of value; FY 2027 (July 1, 2026 to June 30, 2027), City of Suffolk
Garbage: City of Suffolk Public Works; Weekly curbside trash in a city-issued can; $30.00 a month, billed on the real estate tax bill
Sewer: City of Suffolk, plus HRSD treatment; City sewer collection and HRSD wastewater treatment, both per CCF of water
Electricity: Dominion Virginia Power; Dominion Virginia Power and Community Electric Cooperative supply Suffolk
Gas: Virginia Natural Gas; Virginia Natural Gas and Columbia Gas of Virginia (Northern Suffolk) distribute natural gas

Pay or manage your bills

Your water

Source: Surface water from the City’s Lone Star Lakes, Norfolk’s Western Branch Reservoir and Crumps Mill Pond, along with three groundwater well sources.
Lead: The 90th percentile for lead in the 2025 sampling was 1 ppb, against an action level of 15 ppb.
PFAS: The city found no detected levels of PFAS in UCMR 3 (2013-2014), and none in UCMR 5.

How these numbers are made

Property tax uses the citywide rate of $1.06 per $100 of assessed value (FY 2027, through June 30, 2027). Homes in the Downtown Business Overlay or Route 17 taxing districts pay an extra $0.105 or $0.24 per $100.
The starting value is the city’s FY 2027 median residential sales price estimate, a market figure; Virginia has no homestead exemption for ordinary owners.
Trash is $30.00 a month billed on the tax bill, counted once as the trash charge. Stormwater is $7.50 a month for one ERU, the single-family charge.
Water is $12.29 per CCF plus the $17.75 monthly meter service charge, at the city’s 5 CCF average-bill use. Sewer adds $7.97 city collection and $9.84 HRSD treatment per CCF, $17.81 together; HRSD’s $0.45 daily minimum is below that at typical use.
Electricity: Dominion Schedule 1 rates and riders weighted over the year (June-September generation block rates for 4 months, October-May for 8), the $7.58 customer charge plus Suffolk’s $3.00 maximum electric utility tax at 1,078 kWh. Gas: Virginia Natural Gas October 2026 rates plus the $3.00 maximum gas utility tax. Community Electric Cooperative and Columbia Gas (Northern Suffolk) serve some homes at other rates.
Insurance is the Virginia statewide average premium, not a Suffolk figure.
Nothing here is legal, tax or insurance advice.

Sources

How Suffolk compares

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

Per year	Suffolk	Median	Where it falls
Property tax rate	1.06%	1.06%	in the middle of 14 other Virginia cities we cover
Water	$950	$614	higher than 13 of the other 14 Virginia cities we cover
Sewer and utility-bill fees	$1,159	$784	higher than 10 of the other 14 Virginia cities we cover
Trash	$360	$234	higher than 8 of the other 12 Virginia cities we cover
Electricity and gas	$3,754	$3,304	higher 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	$11,668	$10,361	higher 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. Water

The fact: Water here costs about $950 a year at typical use, higher than 13 of the other 14 Virginia cities we cover.

Ask: "Water here costs about $950 a year at typical use, higher than 13 of the other 14 Virginia cities we cover. What drives that cost, and would you change anything?"

2. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $3,754 a year, higher 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 $3,754 a year for a typical house, higher 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 Suffolk house costs

What is the property tax rate in Suffolk?

About 1.06% of the value before exemptions a year (FY 2027 (July 1, 2026 to June 30, 2027), City of Suffolk), plus flat charges on the same bill.

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

About $5,300 a year on $500,000 of the value before exemptions.

How much is the water bill in Suffolk?

About $176 a month for water and sewer at typical use (5 units, or 3,740 gallons a month) on City of Suffolk water.

How much does trash pickup cost in Suffolk?

$30 a month for a house.

When is property tax due in Suffolk?

Dec 5 · Jun 5: Real Estate taxes are due in two installments: December 5 and June 5 of each year.

Can seniors lower their property tax or bills in Suffolk?

Yes. Seniors 65+ or disabled, income up to $75,583: real estate tax relief: The 2025/2026 program relieves 100% of the tax at combined income up to $57,801, 50% up to $66,693 and 25% up to $75,583. Net worth, not counting the home and up to 10 acres, cannot exceed $338,759. Relief is capped at $329,000 of value or the assessed value, whichever is less.

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

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