Clermont, FL · Updated Oct 2026

What a Clermont house pays

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Sent only to free public map services to find who serves it. Not stored unless you save your house.

Example · a Clermont house

$12,510a year · $1,042 a month

Starts at the typical market value, $418,400; your assessed value is often lower. Typical use.

Property tax$6,137
1.629% of $418,400, less $25,000 homestead exemption and less $26,411 additional homestead exemption
Electricity$2,360
1104 kWh a month $2,035 · City of Clermont 10% public service tax and Duke Energy 6% franchise fee $326
Water and sewer$972
7,000 gallons a month on City of Clermont (East system): water $25, sewer $49, stormwater (single-family home with approved on-site drainage retention) $6 a month
Trash$390
95-gallon trash cart (plus recycle cart), $33 a month
Home insurance$2,650
Typical premium $2,650

A Clermont house at the typical market value ($418,400) pays about $12,500 a year: $6,140 property tax and charges, $970 water and sewer, $390 trash, $2,360 electricity, $2,650 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 21, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.

Ways to pay less

Nothing here applies to every house automatically. These are worth checking:

Seniors 65+ with limited income: up to $50,000 off assessed value for Lake County taxes, up to $25,000 for City of Clermont taxesUp to $50,000 off assessed value
Florida law provides an additional exemption of up to $50,000 off the assessed value for homeowners 65 or older with a homestead exemption whose adjusted gross household income does not exceed $38,686. Lake County has authorized up to the full $50,000; the City of Clermont has authorized up to $25,000.
How: Apply to the Lake County Property Appraiser between January 2 and March 1, with household income documents.
$5,000 exemptions for widows and widowers and for totally and permanently disabled owners$5,000 off assessed value
The widow/widower exemption and the disability exemption each reduce the assessed value of your property by $5,000.
How: Apply to the Lake County Property Appraiser by March 1; the widow/widower exemption needs a copy of the death certificate, the disability exemption Form DR-416 or a Social Security letter.
Pay your tax bill by November 30 for 4% off4% off the bill
The Lake County Tax Collector gives a 4% discount if paid in full by November 30, 3% by December 31, 2% by January 31 and 1% by February 28.
How: Pay the Lake County Tax Collector; for mailed payments, the postmark sets the discount.
Bulk pickup included in the sanitation charge
City of Clermont residential sanitation includes weekly bulk garbage collection of up to three cubic yards; three to ten cubic yards are collected for an additional fee.
How: Set bulk items at the curb before 7 a.m. on your collection day.

Adjust to match your bills

What you knowTrash cartSame monthly price for every cart size; each additional cart is $17.13 a month.

Value before exemptionsUse the assessed value on your TRIM notice or property record card: with the Save Our Homes cap, a long-held homestead is often assessed well below market value. Homes in the Wellness Ridge, Olympus, Parkside Trails or Esplanade at McKinnon Groves community development districts also pay CDD assessments on the tax bill (Wellness Ridge FY 2027: about $1,700 to $3,300 a year for a single-family lot, maintenance plus bond debt); Olympus, Parkside Trails and Wellness Ridge (and some other Wellness Way homes) also pay the 0.1454-mill Wellness Way MSTU; neither is included.

I live here and have the Homestead exemption and Additional homestead exemption

Home insurance, a yearFrom your policy. We start at $2,650, Florida Office of Insurance Regulation, July 2026 Insurer Stability report: Lake County average homeowners premium including wind, data as of March 31, 2026.

Your use

Water, thousands of gallons a month

On your water bill. A typical house uses 5,000–8,000 gallons.

Electricity, kWh a month

On your Duke Energy Florida bill. An electric car adds about 300 kWh.

Money dates

Nov 1in 9 daysLake County property tax collection begins November 1; paying in full by November 30 takes 4% off (3% by December 31, 2% by January 31, 1% by February 28).
Mar 1Deadline to apply for the homestead exemption with the Lake County Property Appraiser.
Mar 31The gross amount of the property tax bill must be paid by March 31.
Apr 1Unpaid taxes become delinquent on April 1, when 3% statutory interest is added.

Who serves this house

Water: Depends on your address; City of Clermont
Property tax: 1.63% of value; 2026 tax year (fiscal year 2026-27), Lake County final millage, taxing authority code 000C (Clermont)
Garbage: City of Clermont Sanitation; $32.52 a month for residential sanitation service (fee schedule effective October 1, 2026)
Sewer: City of Clermont; $26.20 a month plus $0.00346 per gallon, on up to 16,000 gallons
Electricity: Duke Energy Florida; Residential Service (RS-1): $14.43 customer charge a month plus per-kWh charges (effective October 1, 2026)
Schools: Lake County School Board; 6.0540 mills for 2026 (3.0560 state required local effort plus 2.9980 local)

Pay or manage your bills

Your water

Source: Groundwater from the Floridan Aquifer, drawn from eight wells and treated with chlorine before distribution.
Violations: In 2025, the City had no MCL, TT, or reporting violations.
Source water assessment: A 2025 state source water assessment found low to moderate concern levels of potential contamination from petroleum storage tanks and delineated areas, from twelve sources near the eight wells.

Other FL cities

How these numbers are made

Florida tax bills are public, but we calculate yours from public rates and the value you enter.
Property tax: 16.2875 mills in total for Lake County taxing authority code 000C (City of Clermont), 2026 final rates from the Lake County Property Appraiser: Lake County general fund 5.0254, voted debt service 0.0719 and ambulance MSTU 0.4629, Lake County Water Authority 0.2940, Lake County School Board 6.0540 (3.0560 required local effort plus 2.9980 local), St. Johns River Water Management District 0.1793 and City of Clermont 4.2000 (adopted; the proposed rate was 4.2900). Clermont is not in the county fire or stormwater MSTUs, and the Lake County Tax Collector lists no City of Clermont charges on the tax bill, so no flat yearly charges are added.
Homestead takes $25,000 off all taxes and up to $26,411 more off non-school taxes (we apply the full $26,411, which every home assessed at $76,411 or more gets). The starting value is the Census median market value; the Save Our Homes cap keeps many homesteads' assessed value lower, so enter your assessed value. Homes in Clermont's four community development districts (Wellness Ridge, Olympus, Parkside Trails and Esplanade at McKinnon Groves) pay CDD maintenance and bond assessments on the tax bill; Wellness Ridge's FY 2027 budget sets $737 to $1,383 of maintenance plus $1,001 to $1,877 of debt for single-family lots, depending on lot width and phase. Olympus, Parkside Trails and Wellness Ridge (and some other Wellness Way homes) also pay the 0.1454-mill Wellness Way MSTU. None of these is in the totals.
Water, sewer, garbage and stormwater (City of Clermont inside-city rates from October 1, 2026): water $10.29 a month plus $2.07, $2.69, $4.15 and $5.63 per 1,000 gallons in 10,000-gallon blocks (the schedule prices per gallon), with the 5% utility tax on water charges added to each rate; sewer $26.20 a month plus $3.46 per 1,000 gallons on up to 16,000 gallons; garbage $32.52 a month for any cart size; stormwater $6.11 a month, the rate for a home with approved on-site drainage retention ($10.19 without). Both city water systems (east and west of U.S. 27) use the same rates. Separate irrigation or reclaimed water meters are not included, and some addresses get one or more of these services from Lake County or a private utility instead.
Electricity: Duke Energy Florida RS-1 effective October 1, 2026, $14.43 a month plus per-kWh charges; the non-fuel energy charge is a weighted average of 3 winter months (December through February) and 9 months March through November, plus the BA-1 fuel charge (4.127¢ up to 1,000 kWh, 5.197¢ above) and cost recovery factors. We add Clermont's 10% public service tax and Duke's 6% franchise fee (Ordinance 2026-028, adopted July 28, 2026) to the whole bill; Florida exempts fuel charges from the public service tax, so this slightly overstates it. The state gross receipts tax is not included. SECO Energy, an electric cooperative with a Clermont substation, serves some Clermont-area addresses; those rates are not modeled. Typical use, 1,104 kWh a month, is EIA's 2024 Florida residential average. Gas is not modeled.
Insurance: Florida OIR's Lake County average homeowners premium with wind coverage ($2,650, data as of March 31, 2026); flood insurance is a separate policy and is not included.
Nothing here is legal, tax or insurance advice.

Sources

How Clermont compares

A typical Clermont house against the 53 Florida cities we cover, using the same default numbers as the total above.

Per year	Clermont	Median	Where it falls
Property tax rate	1.63%	1.78%	lower than 38 of the other 52 Florida cities we cover
Water	$305	$515	lower than 45 of the other 52 Florida cities we cover
Sewer and utility-bill fees	$667	$901	lower than 40 of the other 51 Florida cities we cover
Trash	$390	$364	higher than 33 of the other 51 Florida cities we cover
Electricity and gas	$2,360	$1,953	higher than 52 of the other 52 Florida cities we cover
Home insurance	$2,650	$3,733	lower than 47 of the other 51 Florida cities we cover
Total	$12,510	$12,935	lower than 30 of the other 52 Florida cities we cover

Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.

Questions to ask your candidates

Each one starts from a number above. Any candidate can answer them.

1. Water

The fact: Water here costs about $305 a year at typical use, lower than 45 of the other 52 Florida cities we cover.

Ask: "Water here costs about $305 a year at typical use, lower than 45 of the other 52 Florida cities we cover. What drives that cost, and would you change anything?"

2. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $667 a year, lower than 40 of the other 51 Florida cities we cover. Some cities bill sewer on the property tax bill instead, which is not counted here.

Ask: "Sewer and flat utility-bill charges here cost about $667 a year, lower than 40 of the other 51 Florida cities we cover. What drives that cost, and would you change anything?"

3. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,360 a year, higher than 52 of the other 52 Florida cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,360 a year for a typical house, higher than 52 of the other 52 Florida cities we cover. Which parts of that can the city influence, and what would you do about them?"

See who is running in your city →

Common questions about Clermont house costs

What is the property tax rate in Clermont?

About 1.63% of the value before exemptions a year (2026 tax year (fiscal year 2026-27), Lake County final millage, taxing authority code 000C (Clermont)), plus flat charges on the same bill.

How much is property tax on a $500,000 house in Clermont?

About $7,466 a year on $500,000 of the value before exemptions with the homestead exemption.

How much is the water bill in Clermont?

About $81 a month for water and sewer at typical use (7,000 gallons a month) on City of Clermont (East system).

How much does trash pickup cost in Clermont?

$33 a month for a house.

Can seniors lower their property tax or bills in Clermont?

Yes. Seniors 65+ with limited income: up to $50,000 off assessed value for Lake County taxes, up to $25,000 for City of Clermont taxes: Florida law provides an additional exemption of up to $50,000 off the assessed value for homeowners 65 or older with a homestead exemption whose adjusted gross household income does not exceed $38,686. Lake County has authorized up to the full $50,000; the City of Clermont has authorized up to $25,000.

How much does a house in Clermont cost to run each year?

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