Citrus Heights lands near 1.1% of value once voter-approved bonds are added to the 1% Prop 13 base — typical for an established Sacramento County city, with no CFD layer on most parcels. Expect a one-time supplemental bill about a year after closing for the gap between the seller’s old assessed value and your purchase price; on a long-held home that reset can be sizeable.

Citrus Heights was largely built out before the CFD-heavy master-planning era, so most parcels carry little or no Mello-Roos — a genuine cost advantage over newer Elk Grove or Folsom Ranch tracts. A rare newer infill project could carry a special tax, so still read the parcel’s tax bill to confirm.

Flat and fully built-out, Citrus Heights maps almost entirely Low under CAL FIRE’s 2025 maps, so homeowners insurance generally prices near the California average and standard-market coverage is widely available. Fire is not a Citrus Heights concern — the bigger variables here are the supplemental bill and the age/condition of the home.

Citrus Heights is SMUD territory — about $149/mo at 750 kWh (June 2026), roughly half a comparable PG&E bill (~$290) for the same power. That cheap-power advantage is a recurring saving, not a hidden cost. Natural gas is PG&E. Confirm the territory for a specific address.