Bill Estimator

The bill calculator provides a convenient way to estimate your bill based on current rates as of January 2022.  

Step 1. Using your most recent bill, complete the highlighted fields. 

Step 2. Scroll to the table and view the estimated monthly bill. You may toggle between tabs to compare your estimated bills. 

For more information, please contact Customer Relations at (949) 459-6420 or

  1. Physical Address
    26111 Antonio Parkway
    Rancho Santa Margarita, CA 92688

    Phone: (949) 459-6400
    Emergency: (949) 361-6294

  2. Live Chat
    Start Live Chat

    Business Hours
    Monday - Friday
    8 a.m. - 5 p.m.

    Closed Holidays

    Live Chat

    Live Chat

  3. Subscribe to SMWD's OnTap Newsletter

* The average monthly single-family household water use is 14 CCF.  Please see your bill for your appropriate CCF usage.  Water use may be lower in winter, higher in summer. SMWD measures consumption in Hundred Cubic Feet (CCF). 1 CCF = 748 Gallons.

** Your outdoor budget will adjust with the weather; in summer the outdoor budget will be greater than in winter.  This calculator uses the annual monthly average evapotranspiration rate of 4".  For more information on how the District uses weather data please visit our weather page.

Disclaimer of Warranties / Accuracy of Data

Although an effort is made to assure the accuracy and completeness of the information provided on the Santa Margarita Water District (District) website, the District makes no express or implied warranty as to the accuracy, adequacy, completeness, legality, reliability or usefulness of the website's information. The District provides this information and all online services on an "as is" basis. While there may be changes to District information on topics covered on the website, these changes may or may not be made available on the website.

While the District uses reasonable efforts to provide accurate and up-to-date information, some of the information provided is gathered by third parties and has not been independently verified by the District. You agree that all use of these services is at your own risk, and that the District will not be held liable for any errors or omissions contained in the content of its services.

This simple calculator uses irrigable area to calculate an average monthly bill for residential lots.  For the sake of this simple calculator, generalized irrigable areas for residential groups have been grouped as such:

Lot Size (sq.ft.)

Irrigable Area (sq.ft.)

0 – 4,000


4,001 – 8,000


8,001 – 15,000


15,001 – 50,000


> 50,000


This calculator also assumes a 30-day read cycle and uses historical average monthly evapotranspiration (a weather factor) to calculate outdoor budgets.