Total Monthly Utility Bill Calculator
Add it all up: at typical Texas use — 1,000 kWh of electricity, 5,000 gallons of water, 37 therms of gas, and $60 internet — the monthly utility total is about $373. What is yours?
Your total utility bill
Utilities are only part of the monthly cost of a house
Mortgage, taxes, insurance, and upkeep usually dwarf the utility bill. See the full picture — the real monthly cost of owning your home — on our sister site.
Visit →What a normal utility total looks like
For a typical Texas household the total lands around $373 a month: roughly $159 electric, $103 water/sewer/trash, $51 gas, and $60 internet at the defaults above. Summer pushes it higher — air conditioning can add $100+ to the electric line alone.
As a share of pay, utilities usually run 7–10% of take-home pay. Over 20% is a warning sign: either income is tight, or something is wrong — a bad electric plan, a leak, or an old, inefficient AC.
The electric bill is the lever with the most room. Shopping from a 15.94¢ average plan to a 10.8–11.9¢ fixed plan saves roughly $45–$55 a month at 1,000 kWh — more than any gadget. Water leaks are the second lever: a running toilet can add $50+ a month by itself.
Remember this total excludes the mortgage or rent, which is the real housing cost. If you want the whole monthly number, check the true monthly housing cost calculator on HouseCanAfford, our sister site.
Frequently asked questions
What is a normal monthly utility total in Texas?
About $350 a month at typical use — roughly $159 electric, $103 water/sewer/trash, $51 gas, and $60 internet (Nov 2026 rates). Summer runs higher, winter lower.
What share of pay should utilities be?
Usually 7–10% of take-home pay. Over 20% is high and worth investigating — check your electric plan first, then look for leaks and old appliances.
Should I include internet in utilities?
We include it because most households treat it as a fixed monthly utility, but it is optional — set it to 0 if you want the strict utility-only total.
Why is my total higher than $350?
The usual reasons: summer AC (electric can double), a bill-credit electric plan where you missed the usage target, a water leak, or a larger home with more people. Run each calculator separately to find the line that is off.
Break down each bill
True Monthly Housing Cost — HouseCanAfford
The full monthly cost of owning a home: mortgage, taxes, insurance, and upkeep.
Visit →HouseCanAfford is our sister site — same team, same free-tools approach.
Cut the total
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Smart thermostat — the single biggest lever on the electric and gas lines.
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Smart plugs — kill standby power and schedule devices off when nobody is home.
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