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The study seeks to establish whether the factors associated with non-payment of services in metropolitan municipalities were a result of the inability to pay, unwillingness to pay or the culture of non-payment. The focus on households in metropolitan municipalities was because they have superior access to municipal services to households living in non-metropolitan municipalities. The researcher was mainly motivated to do this study by the ever-increasing household debt as well as ineffective and inefficient debt collection, despite metropolitan municipalities having legitimate powers for the collection of revenues. Chi-square tests and logistical regression models were used to assess the relationship between non-payment of municipal services and independent variables was statistically significant. General household survey data was used for analysis. The General household survey used a multistage sample design based on a stratified design with probability proportional to size for selection of primary sampling units at the first stage and sampling of dwelling units with systematic sampling at the second stage.