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Texas retiree Christina Mann pictured on left and her filling up a five-gallon jug at her neighbors house to survive. ABC13 Houston

Retired Texas senior cuts off water due to spiking fees. Here's the monstrous monthly cost (and why she chooses to eat instead)

Christina Mann moved from Cleveland, Texas, to the small community of Point Blank four years ago when she retired. She wanted to retire close to the water, a dream of hers. Now, water is the nightmare that's keeping her from making ends meet.

Every other day, Mann drives several miles to a friend's house to fill five-gallon jugs from a garden hose. That water is what she uses to wash dishes, wash her hands and flush her toilets — her only supply after she decided last November to disconnect her water service entirely.

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"I choose to eat, and I told them that every time you go up, that takes out of my money a month for my food," Mann told ABC13's 13 Investigates (1).

Mann lives alone on a monthly Social Security check she budgeted carefully around when she retired. There was enough to cover her bills, but barely. When the base fees charged by her provider — a for-profit company called Texas Water Utilities — kept climbing, she felt cornered. A termination notice arrived, and she didn't fight it. "You don't need to send me one. Just come cut my water off. I can't afford it," she said.

Stunning fees piled on top of her water usage bill

According to a copy of Mann's bill reviewed by 13 Investigates, she was charged $169 for a month in which she used just 2,000 gallons. In July, the fees alone — base charges for water and sewage, pass-through fees and a state fee — totaled $150.18. Her actual water and sewage usage that billing cycle came to $9.34.

That means roughly 94% of her bill had nothing to do with how much water came out of her faucet.

By September 2025, those base fees had dipped slightly to $138.58 but still well beyond what her budget could absorb. A City of Houston customer who used the same 2,000 gallons paid $57 total.

Mann said she could manage if her bill were closer to the roughly $60 a month she paid back in Cleveland.

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Cost hikes spreading across the US

Mann's provider, Texas Water Utilities, is an investor-owned utility — a for-profit company, not a city-run system. Texas Water Utilities serves about 60,000 customers in 32 counties, is acquiring at least four other companies, and has filed to tack on a $34-per-month "system improvement charge" to recoup more than $80 million in infrastructure spending.

The company is expanding. But the cost problem it represents is spreading nationwide.

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Research from the University of Wisconsin-Madison found that investor-owned water utilities charge, on average, substantially more than their publicly owned counterparts, even after controlling for system size, water source, and region (2). A 2024 analysis from Bluefield Research found that the combined water and sewer bill for a typical American household jumped 4.6% in a single year — and about 24% over five years (3). In Birmingham, Alabama, and Cleveland, Ohio, those bills now exceed the EPA's affordability threshold of 4.5% of median household income.

And the industry is consolidating fast. In late 2025, American Water Works and Essential Utilities announced a $40 billion merger combining the country's two largest municipal water and wastewater companies (4). Food & Water Watch described the deal as a step toward a "dangerous, anti-consumer monopoly" (5).

Part of what makes these bills so painful for low-usage customers like Mann is their structure. A December 2024 EPA report to Congress found that water rate structures have grown more regressive over time — utilities are collecting less through volumetric charges based on actual consumption and more through flat fees that apply regardless of how little water a household uses (6). That's the math behind a $9 water bill that costs $169.

Meanwhile, the safety net has thinned. The Low-Income Household Water Assistance Program (LIHWAP), a pandemic-era federal program that helped over 1.5 million households cover water bills, expired on March 31, 2024, with no replacement (7). There is no permanent federal water assistance program equivalent to LIHEAP, which covers heating and cooling. In a January 2026 analysis, the National Consumer Law Center and the Natural Resources Defense Council argued that water affordability needs to be treated with the same policy urgency as energy costs — and that fixed-income seniors are bearing a disproportionate share of the burden (8).

Texas Water Utilities’ response and where Mann is now

Texas Water Utilities told 13 Investigates that its customers don't pay separate municipal utility district (MUD) fees, so its monthly bill represents the full cost of service, with all rates approved by the Public Utility Commission of Texas. The PUCT said investor-owned utilities must demonstrate why a rate increase is necessary, and the commission only approves increases it deems just and reasonable.

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The company also offers a $40-per-month financial assistance program for qualifying customers.

When 13 Investigates followed up with Mann recently, she had come out of retirement — driven in large part, she said, by her water bill. She's still hauling jugs. Still choosing between water and groceries.

"They're not regulating them. You're letting them do what they want to do, and people are complaining, but basically they're getting the same response that I'm getting," she said.

Read More: Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

5 ways to push back on a bloated water bill

You can't fix a broken rate structure on your own, but you don't have to accept it quietly either.

1. Read your bill like a financial statement. Figure out which charges are fixed and which are tied to usage. If fees make up the bulk of your bill — as they did for Mann — then cutting your shower short won't change much. But knowing the breakdown tells you where to focus your fight.

2. Fix leaks before they fix your budget. The EPA estimates household leaks waste about 10,000 gallons per year (9). A running toilet alone can burn through hundreds of gallons a day. Quick test: drop food coloring in the tank, wait 10 minutes, and check the bowl.

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3. Swap in low-flow fixtures. Products carrying the EPA's WaterSense label use at least 20% less water than standard models. A WaterSense toilet can cut toilet-related water use by up to 60% — about 13,000 gallons per year. Faucet aerators run a few dollars and pay for themselves within a billing cycle or two.

4. Apply for assistance — even if you think you won't qualify. Federal LIHWAP funding is gone, but many utilities and states still run their own programs. Texas Water Utilities offers $40 per month for qualifying customers. American Water's H2O Help to Others Program provides grants up to $500 annually (10). Your local Community Action Agency or Benefits.gov can point you to what's available in your area.

5. File a complaint with your state utility commission. In Texas, the PUCT accepts consumer complaints directly (11). Every state has a version of this. A formal complaint creates a paper trail that regulators are obligated to review — and when enough of them pile up, rate cases get opened.

Article sources

We rely only on vetted sources and credible third-party reporting. For details, see our editorial ethics and guidelines.

ABC13 / KTRK Houston, 13 Investigates (1); University of Wisconsin-Madison / Water & Health Advisory Council (2); Bluefield Research (3); WHYY / NPR (4); Food & Water Watch (5); U.S. Environmental Protection Agency (6, 9); U.S. Administration for Children and Families (7); National Consumer Law Center / NRDC (8); American Water (10); Public Utility Commission of Texas (11)

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Rudro is an Editor with Moneywise. His work has appeared on Yahoo Finance, MSN Money and The Financial Post. He previously served as Managing Editor of Oola, and as the Content Lead of Tickld before that. Rudro holds a Bachelor of Science in Psychology from the University of Toronto.

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