Most Oroville parcels total 1.077036% — the 1% Prop 13 base plus an Oroville Elementary bond, two Oroville Union High bonds and two Butte College bonds. But the school district matters here more than anywhere else in the county: parcels in Thermalito Union Elementary run 1.131835%, and a handful with no elementary bond at all run 1.060753%. That is a real spread on the same city, and the tool reads the exact tax-rate area off the parcel rather than assuming. Because prices here are well below the county median, the absolute dollar figure stays low either way. Plan for the supplemental bill roughly a year after closing.

Oroville is one of the few markets where both matter at once. East and above town — Kelly Ridge, the lake side, and the foothill communities beyond — map High to Very High under CAL FIRE’s 2025 zones, which can push a home onto the FAIR Plan (statewide average roughly $3,000–$3,200/yr versus about $1,480 for a standard admitted policy). Separately, parcels near the Feather River and the low-lying west side can sit in a FEMA special flood hazard area. Flood is never covered by a homeowners policy: it is a separate NFIP or private policy, and if the parcel is in a mapped zone your lender will require it. Check both maps before you write an offer, because they cover different parts of town.

Two different lookups: CAL FIRE hazard zone for wildfire · FEMA Flood Map Service Center for flood

Butte County has very few Community Facilities Districts, and most Oroville parcels carry no Mello-Roos special tax. What does turn up on bills here are county service areas and lighting, road, or sewer assessments, particularly on unincorporated parcels outside the city limits where the county provides services directly. These are much smaller than a CFD, but they are real recurring dollars — read the parcel’s actual tax bill rather than assuming a clean slate.

More common outside city limits: county service areas · road and lighting districts · well and septic responsibility

Oroville is PG&E territory for electricity and gas. At 750 kWh a typical residential bill runs about $290/mo (June 2026) — roughly double a comparable SMUD bill in Sacramento. Because Oroville home prices are low, that utility cost is a bigger slice of the monthly payment here than almost anywhere else in the region: the mortgage shrinks with the price, the PG&E bill does not. Summer cooling load in the north valley makes it a real planning number rather than a rounding error.