Yes, it is entirely possible—and quite common—to have both city (municipal) water and a septic system. While many people assume that if you’re connected to one city utility, you’re connected to all of them, that’s not always the case. In fact, a combination of city water and a private septic system often occurs in semi-rural or outlying suburban areas.

City water is delivered to a property through municipal water lines. It provides treated, potable water for drinking, bathing, cooking, and other household needs. A septic system, on the other hand, is a private wastewater treatment system that manages sewage and gray water on-site rather than sending it to a city sewer.

There are several scenarios where this setup makes sense:

  • Remote or expanding neighborhoods: Some areas have city water infrastructure in place but haven’t extended municipal sewer lines due to cost, terrain, or population density. In these situations, developers or homeowners install septic systems while still benefiting from public water access.
  • Environmental or zoning factors: In certain regions, local governments may restrict sewer connections to manage growth, protect water sources, or due to limitations in existing infrastructure. Septic systems offer a practical solution while maintaining clean water access through city utilities.
  • Home replacements or remodels: When updating an older property, homeowners may tap into newly available city water lines while continuing to use an existing septic system, especially if the system is still in good condition.

However, this combination requires careful maintenance. While you won’t need to worry about a water well or water quality testing, you still need to ensure your septic system functions properly. This means routine pumping, avoiding disposal of harmful substances, and watching for signs of system failure like odors or slow drains.

Some benefits of this setup include reliable water quality from the city and self-managed waste treatment, which can reduce monthly utility bills. On the downside, you’ll still be responsible for all costs and upkeep related to your septic system.

In conclusion, having city water and a septic system is not only possible but often practical depending on location and infrastructure. As long as you stay proactive about septic maintenance, this hybrid setup can provide both clean water and effective waste management.