Cocoa Beach, FL · Updated Oct 2026

What a Cocoa Beach 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 Cocoa Beach house

$15,312a year · $1,276 a month

Starts at the typical market value, $503,200; your assessed value is often lower. Typical use.

Property tax$7,454
1.613% of $503,200, less $25,000 homestead exemption and less $26,411 additional homestead exemption
Flat charges on the tax bill$77
Brevard County solid waste disposal assessment (FY 2026-27) $77
Electricity$1,953
1104 kWh a month $1,775 · City of Cocoa Beach public service tax $178
Water and sewer$1,928
7,000 gallons a month on City of Cocoa: water $57, sewer $84, city of cocoa beach stormwater utility fee (single-family flat rate) $20 a month
Trash$368
Residential curbside service: garbage, yard trash and recycling (one flat rate), $31 a month
Home insurance$3,532
Typical premium $3,532

A Cocoa Beach house at the typical market value ($503,200) pays about $15,300 a year: $7,530 property tax and charges, $1,930 water and sewer, $370 trash, $1,950 electricity, $3,530 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: extra exemptionExtra exemption on county and city taxes
Residents 65 and older whose income does not exceed the state maximum can get an additional exemption. On Cocoa Beach tax notices it applies to the Brevard County general fund levy and the city tax levy.
How: Apply to the Brevard County Property Appraiser with the prior year's federal tax return and W-2/1099 statements.
$5,000 exemptions for widows, widowers, blind and disabled residents$5,000 off taxable value
The widow/widower, blind person and disability exemptions each take up to $5,000 off the taxable value of one property you own.
How: Apply to the Brevard County Property Appraiser.
Veterans with a service-connected disability: exemptions$5,000 off, or no property tax on the homestead
Veterans with a service-connected disability rated 10% to 100% can get up to $5,000 off taxable value; veterans with a service-connected total and permanent disability get a 100% exemption from property taxes on their homestead.
How: Apply to the Brevard County Property Appraiser with a certificate from the U.S. government or a letter from Veterans Affairs.
Pay your tax bill early for 4% off4% off the bill
The Brevard County Tax Collector gives 4% off for the first 30 days after bills are mailed (about November 1), 3% in December, 2% in January and 1% in February.
How: Pay within 30 days of the November mailing for the largest discount.
Replace a pre-1994 toilet: $50 rebate$50 bill credit per toilet
The City of Cocoa offers a $50 rebate to its water customers who replace old (pre-1994) high-volume toilets with WaterSense certified toilets of 1.28 gallons per flush or less, as a credit on the water bill, first come first served while the fiscal year's funds last.
How: Buy the toilet after October 1 of the program year and follow the City of Cocoa program guidelines; questions go to the Utilities Conservation Coordinator, (321) 433-8705.
Handicapped residents: back door trash service at the curbside rateBack door pickup without the higher rate
Under the city's garbage fee resolution, handicapped residents receive back door service at the curbside rate; back door service is otherwise $39.66 a month.
How: Ask the City of Cocoa Beach, 321-868-3200.

Money dates

Nov 1in 9 daysProperty tax bills are mailed on or about November 1; paying in the first 30 days takes 4% off (3% in December, 2% in January, 1% in February).
Mar 1Deadline to apply for the homestead exemption for that year with the Brevard County Property Appraiser.
Apr 1Unpaid property taxes become delinquent and a 3% minimum charge is added.

Who serves this house

Water: City of Cocoa; City of Cocoa rates for meters outside Cocoa city limits (updated October 2026): a monthly base charge for a 5/8 x 3/4 inch meter plus tiered charges per 1,000 gallons
Property tax: 1.61% of value; 2026 tax year (fiscal year 2026-27), Brevard County millage code 26H0 (City of Cocoa Beach)
Garbage: Waste Management (under contract with the City of Cocoa Beach); $30.70 a month per unit for residential curbside service: garbage, yard trash and recycling (from the January/February 2026 service period)
Sewer: City of Cocoa Beach; Residential inside city limits: $41.00 for the first 3,000 gallons a month, then $11.46 per 1,000 gallons to 5,000 and $13.51 per 1,000 gallons above
Electricity: Florida Power & Light (FPL); Residential Service (RS-1): $10.52 base charge a month plus per-kWh charges (October 2026)
Gas: Utility gas; 289 of 4,745 owner-occupied homes in Cocoa Beach heat with utility gas; 4,335 heat with electricity (Census ACS 2020-2024)
Schools: Brevard Public Schools; 6.3020 mills for 2026-27: 3.0540 required local effort, 0.7480 discretionary, 1.0000 voted, 1.5000 capital

Pay or manage your bills

Your water

Source: Groundwater from the Intermediate and Floridan Aquifers, supplemented with surface water from the Taylor Creek Reservoir and aquifer storage and recovery wells, treated at the Claude H. Dyal Water Treatment Plant.
Sodium: Sodium measured 62.7 ppm (January 2025), under the 160 ppm limit.
Lead: Lead 90th percentile 1.8 ppb in June 2023 tap samples, with no sites over the 15 ppb action level.

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: 16.1311 mills in total for Brevard County millage code 26H0 (City of Cocoa Beach), 2026 tax year, final adopted rates: Brevard County 3.0942 general fund, 0.3240 library, 0.1339 mosquito control and 0.0719 Environmentally Endangered Lands (0.0457 operating + 0.0262 voted debt); Brevard Public Schools 6.3020; City of Cocoa Beach 5.9988, the rolled-back rate (Resolution 2026-06, final hearing September 17, 2026; the city's adopted FY 2027 budget uses 5.9988); St. Johns River Water Management District 0.1793; Florida Inland Navigation District 0.0270. Homes with a Cocoa Beach mailing address in unincorporated Brevard County are taxed under other millage codes (with county fire, law enforcement and road MSTUs) and are not covered.
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 typical value is the Census median market value of owner-occupied homes, which includes condominiums; the Save Our Homes cap keeps many long-held homesteads' assessed value far lower. The only flat charge on the tax bill we include is the Brevard County solid waste disposal assessment ($76.57 for one single-family billing unit). Amendment 3 on the November 2026 ballot would change homestead exemptions from 2027 and is not modeled.
Water, sewer, garbage and stormwater are all on the City of Cocoa regional utility bill. Water: Cocoa's rates for meters outside Cocoa city limits (updated October 2026), $19.43 a month for a 5/8 x 3/4 inch meter plus $4.50 per 1,000 gallons up to 5,000, $8.84 to 10,000, $12.57 to 20,000 and $16.39 above; Cocoa's handbook says a water franchise agreement with another government can set different rates, which we could not check. Cocoa's monthly billing service charge for services it bills for other cities is not included. Sewer: Cocoa Beach's residential inside-city rates, labeled October 1, 2024 through September 30, 2025 on the city's fee page (the FY 2027 budget says utility rates were set effective October 2024 and includes no increase): $41.00 covers the first 3,000 gallons, then $11.46 per 1,000 gallons; we price all use above 3,000 gallons at $11.46, so use above 5,000 gallons (charged $13.51) is understated by about $2 per 1,000 gallons. The page starts at the default 9 CCF (about 6,700 gallons); we found no published Cocoa Beach household average.
Garbage: $30.70 a month for residential curbside service from the January/February 2026 service period (Resolution 2025-31, adopted October 16, 2025). A new Waste Management contract and Resolution 2026-17 ($30.51 a month from the February 2027 bill) were on the October 15, 2026 agenda; we could not confirm adoption yet, so we keep the current rate. Stormwater: $19.66 a month, the single-family flat rate effective October 1, 2025 on the city's Stormwater Fees page; the FY 2027 budget says it includes a stormwater rate increase, but we found no adopted FY 2027 rate, so the bill may be somewhat higher.
Electricity: FPL rate RS-1 effective October 2026, $10.52 a month plus 12.258¢ per kWh up to 1,000 kWh and 14.258¢ above (energy, conservation, capacity, environmental, storm protection and fuel charges less the transition credit), plus Cocoa Beach's 10% public service tax on electricity (Florida DOR database) applied to the whole bill; state law lets cities exempt the fuel charge, so this may slightly overstate it. FPL's franchise fee and gross receipts tax are not included. Typical use, 1,104 kWh a month, is EIA's 2024 Florida residential average. Gas is not modeled (the city refers residents with natural gas to Florida City Gas); the gas card shows how many homes heat with utility gas. Insurance: Florida OIR's Brevard County average homeowners premium with wind coverage ($3,532, data as of March 31, 2026), a countywide figure; beachside homes may be priced differently, and flood insurance is a separate policy that is not included.
Nothing here is legal, tax or insurance advice.

Sources

How Cocoa Beach compares

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

Per year	Cocoa Beach	Median	Where it falls
Property tax rate	1.61%	1.78%	lower than 40 of the other 52 Florida cities we cover
Water	$687	$515	higher than 38 of the other 52 Florida cities we cover
Sewer and utility-bill fees	$1,241	$901	higher than 45 of the other 51 Florida cities we cover
Trash	$368	$364	higher than 27 of the other 51 Florida cities we cover
Electricity and gas	$1,953	$1,953	higher than 17 of the other 52 Florida cities we cover
Home insurance	$3,532	$3,733	lower than 33 of the other 51 Florida cities we cover
Total	$15,312	$12,935	higher than 39 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. Property tax rate

The fact: Cocoa Beach's property tax rate is 1.61%, lower than 40 of the other 52 Florida cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Cocoa Beach is 1.61%, lower than 40 of the other 52 Florida cities we cover. What should that money pay for first, and would you change anything about how it is set?"

2. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $1,241 a year, higher than 45 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 $1,241 a year, higher than 45 of the other 51 Florida cities we cover. What drives that cost, and would you change anything?"

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Common questions about Cocoa Beach house costs

What is the property tax rate in Cocoa Beach?

About 1.61% of the value before exemptions a year (2026 tax year (fiscal year 2026-27), Brevard County millage code 26H0 (City of Cocoa Beach)), plus flat charges on the same bill (Brevard County solid waste disposal assessment (FY 2026-27) $77).

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

About $7,479 a year on $500,000 of the value before exemptions with the homestead exemption, including $77 of flat charges.

How much is the water bill in Cocoa Beach?

About $161 a month for water and sewer at typical use (7,000 gallons a month) on City of Cocoa.

How much does trash pickup cost in Cocoa Beach?

$31 a month for a house.

When is property tax due in Cocoa Beach?

Apr 1: Unpaid property taxes become delinquent and a 3% minimum charge is added.

Can seniors lower their property tax or bills in Cocoa Beach?

Yes. Seniors 65+ with limited income: extra exemption: Residents 65 and older whose income does not exceed the state maximum can get an additional exemption. On Cocoa Beach tax notices it applies to the Brevard County general fund levy and the city tax levy.

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

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