What Is a Utility Bill? Examples, Costs, and Tips for Affordability

On February 25, 2026  By newsroom   Topic: Saving And Investing Money

What Is a Utility Bill?

A utility bill is a monthly statement detailing the cost of essential services that keep your home functional and comfortable. Common examples include:
- Electricity
- Water
- Gas
- Sewage and Trash
- Internet, Phone, and Streaming Services (sometimes considered utilities).

Utility bills typically include:
- Customer name and address.
- Usage details (e.g., energy consumption, water usage).
- Total amount owed and payment due date.


Average Utility Costs

Utility expenses vary based on service, location, and usage. Here are examples:

Electricity

  • Average Cost: $137/month (U.S. average in 2022).
  • Saving Tips:
  • Use smart thermostats.
  • Turn off unused devices with smart power strips.
  • Opt for budget billing plans to avoid fluctuations.

Water

  • Average Cost: ~$83/month (approx. $1,000/year).
  • Saving Tips:
  • Fix leaks and upgrade to water-efficient appliances.
  • Take shorter showers and turn off taps when brushing teeth.
  • Use dishwashers for full loads instead of handwashing.

Gas

  • Average Cost: $63/month (varies by state and home size).
  • Saving Tips:
  • Adjust thermostat settings when away or asleep.
  • Use energy-efficient appliances.

Managing Utility Bills

Track Your Bills

  • Use a budgeting app to keep tabs on utility costs.
  • Try the 50/30/20 rule:
  • 50% of income for necessities (e.g., utilities, rent).
  • 30% for wants.
  • 20% for savings and debt repayment.

What If You Can’t Pay?

  • Call Your Provider: Ask for payment extensions, lower rates, or deferred payment plans.
  • Dial 211 or Visit 211.org: Get connected to local resources and assistance.
  • Apply for LIHEAP: The Low Income Home Energy Assistance Program helps with energy bills.

Quick Tips to Save on Utilities

  • Invest in Energy Star or WaterSense appliances for better efficiency.
  • Bundle services like internet and phone for discounts.
  • Reduce heating/cooling costs by weatherproofing your home.
  • Use natural light and energy-efficient bulbs to reduce electricity consumption.

By keeping utility expenses in check, you can make room in your budget for other priorities.


Next: Read 2500+ consumer guides to shopping, electronics, appliances, home services, cars, money and more.
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