The short answer
If your water bill jumped and your household's actual usage hasn't changed, the most common causes, in order of how often they actually turn out to be the answer, are a running toilet, an irrigation system left on longer than intended, a leaking fixture or hose bib, and less often, a hidden supply leak in a wall, slab, or crawlspace. Seasonal watering and rate changes from your utility can also move a bill without anything being broken at all.
The good news is that you can rule most of these in or out yourself with a simple test before deciding you need a plumber at all.
Start with the meter test
This is the single most useful thing you can do before calling anyone. Turn off every fixture in the house, meaning no running faucets, no dishwasher or washing machine mid-cycle, and nothing draining. Find your water meter, usually near the street in a small in-ground box, and note the reading or watch the small leak indicator dial, which is often a red or blue triangle or star that spins with any flow.
Wait 15 to 30 minutes without using any water and check again. If the reading changed or the leak indicator is still moving, water is flowing somewhere in your system even though nothing is turned on. That points to a leak rather than a usage change.
A running toilet is the most common culprit
A worn flapper, the rubber seal at the bottom of the tank, can let water seep from the tank into the bowl slowly enough that you never hear it, but it can run continuously and add up to a real amount of water over a billing cycle. This is by far the most common cause of an unexplained bill jump.
You can test this in about fifteen minutes with a few drops of food coloring or dye in the tank. Add it, wait without flushing, and check the bowl. If color shows up in the bowl before you flush, the flapper is leaking. Also check any bathroom that doesn't get regular use. A guest bathroom toilet running quietly for weeks is a common one to miss.
Irrigation and outdoor use
A sprinkler zone that didn't shut off properly, a controller left on an old schedule, or a valve stuck partly open can use a surprising amount of water without anyone noticing, especially if the area it's watering isn't somewhere you walk past daily. Walk your zones and confirm each one is actually turning off when it's supposed to.
Also check hose bibs. A hose that wasn't fully seated, or a bib that's dripping slowly at the connection, can run for days before anyone notices, particularly on a side of the house you don't visit often.
Hidden leaks and less obvious causes
If the toilets check out and irrigation is confirmed off but the meter still moves during your test, the leak is somewhere in the supply system itself, which could mean a pipe under a slab, in a crawlspace, or inside a wall. Warm stripes on a slab floor, the sound of running water when everything's off, or a damp spot with no obvious source are signs worth paying attention to.
A stuck-open water softener or filter system drain, a bathroom or fixture nobody in the household uses regularly, and in rare cases a shared or mis-assigned meter in a duplex or multiplex are less common but real causes worth ruling out if the obvious suspects don't explain it.
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Seasonal usage and rate changes
Not every high bill means something is broken. Western Washington is wet from roughly October through April and drier in summer, and outdoor watering in the drier months can genuinely account for a seasonal bump that has nothing to do with a leak. It's worth comparing your bill to the same month last year rather than to last month, since usage naturally swings with the season.
Utility rate changes also happen periodically and can raise a bill even when usage is flat. Check your utility's billing notice or website for any rate adjustment before assuming the increase is entirely about consumption.
When it's time to call a plumber
If your meter test shows movement with every fixture off and irrigation confirmed shut, or you're seeing warm floor stripes, damp spots with no clear source, or hearing water running inside a wall, that's a job for leak detection, not a new showerhead or a guess. Leak detection locates the source without guessing where to open a wall or a slab first.
If the leak turns out to be on the utility's side of the meter, meaning between the meter and the street main, you generally aren't responsible for that repair, and a plumber can help you understand where the line sits before you spend money fixing infrastructure that isn't yours.
Related service
Leak Detection & Slab Leak Repair in Everett