Cocoa, FL · Updated Oct 2026

What a Cocoa 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 house

$11,278a year · $940 a month

Starts at the typical market value, $246,100; your assessed value is often lower. Typical use.

Property tax$3,594
1.761% of $246,100, less $25,000 homestead exemption and less $26,411 additional homestead exemption
Flat charges on the tax bill$484
Brevard County solid waste disposal assessment (FY 2026-27) $77 · City of Cocoa fire protection assessment (FY 2027, residential, per dwelling unit) $265 · City of Cocoa stormwater assessment (FY 2027, residential Tier 2: 2,400-4,400 sq. ft. impervious area); the tier depends on the home's impervious area (Tier 1 is $92.69, Tier 3 $248.09) $143
Electricity$1,775
1104 kWh a month $1,775
Water and sewer$1,572
7,000 gallons a month on City of Cocoa: water $52, sewer $79 a month
Trash$320
Solid waste + recycling + green waste (one residential rate, with franchise fee), $27 a month
Home insurance$3,532
Typical premium $3,532

A Cocoa house at the typical market value ($246,100) pays about $11,300 a year: $4,080 property tax and charges, $1,570 water and sewer, $320 trash, $1,780 electricity, $3,530 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 22, 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 for limited-income seniors
Residents 65 and older whose income does not exceed the state maximum can get an additional exemption.
How: Apply to the Brevard County Property Appraiser; include the prior year's federal income tax return, if filed, and any W-2 or 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.

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 inside 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: 1.76% of value; 2026 tax year (fiscal year 2026-27); Brevard County millage code 13D0/23D0 (City of Cocoa)
Garbage: City of Cocoa; Residential Service total $24.49 a month (updated October 2026); a $2.19 franchise fee is listed in a separate column
Sewer: City of Cocoa Utilities; $21.18 a month for a 5/8 x 3/4 inch meter plus $8.58 per 1,000 gallons, inside Cocoa city limits
Electricity: Florida Power & Light (FPL); Residential Service (RS-1): $10.52 base charge a month plus per-kWh charges (October 2026)
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.
Disinfectant: Chloramines measured 2.69 ppm (January–December 2025 sampling) against a 4.0 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: 17.6067 mills in total for the City of Cocoa's main Brevard County millage code (13D0/23D0 in the 2025 millage table: no county fire or road MSTU), 2026 tax year: Brevard County 3.0942 general fund, 0.3240 library, 0.1339 mosquito control, 0.5212 Recreation District 4 and 0.0719 Environmentally Endangered Lands; Brevard Public Schools 6.3020; City of Cocoa 6.9532 (final millage hearing Sept 23, 2026, Resolution 2026-080; the city's minutes were not yet posted); St. Johns River WMD 0.1793; FIND 0.0270. Parts of Cocoa in other millage codes (Rec District 1, road or airport districts) and Rockledge-style CDDs are not covered; we could not count parcels per code.
Homestead takes $25,000 off all taxes and up to $26,411 more off non-school taxes. The typical value is the Census median market value; Save Our Homes keeps many homesteads' assessed value lower. Flat tax-bill charges included: Brevard County solid waste disposal $76.57; Cocoa fire protection $265.19 per dwelling unit (FY2027 rate in the city's budget packet; council approved the final assessment resolution Aug 25, 2026); Cocoa stormwater, Tier 2 ($142.58, a home with 2,400-4,400 sq. ft. of impervious area; Tier 1 is $92.69 and Tier 3 $248.09). Council approved stormwater Final Assessment Resolution 2026-065 on Aug 25, 2026.
Water and sewer use Cocoa's rates inside city limits (updated October 2026); sewer is capped at 12,000 gallons. Cocoa also levies a public service tax on water service and a franchise fee on solid waste; the tax rate was not found and is not included, and the solid waste franchise fee is included in the garbage price. Garbage: $24.49 plus $2.19 franchise fee. The page starts at the default water use because Cocoa publishes no typical use that we found.
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. Cocoa's public service tax or franchise fee on electricity could not be sourced and is not included. Typical use, 1,104 kWh a month, is EIA's 2024 Florida residential average. Gas is not modeled. Insurance: Florida OIR's Brevard County average homeowners premium with wind coverage ($3,532, data as of March 31, 2026); flood is separate.
Cocoa also levies a public service tax on water service and may on electricity; the rates were not found and are not included, so real bills may be higher.
Nothing here is legal, tax or insurance advice.

Sources

How Cocoa compares

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

Per year	Cocoa	Median	Where it falls
Property tax rate	1.76%	1.78%	lower than 29 of the other 52 Florida cities we cover
Water	$624	$515	higher than 30 of the other 52 Florida cities we cover
Sewer and utility-bill fees	$947	$901	higher than 27 of the other 51 Florida cities we cover
Trash	$320	$364	lower than 38 of the other 51 Florida cities we cover
Electricity and gas	$1,775	$1,953	lower than 39 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	$11,278	$12,935	lower than 48 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. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $1,775 a year, lower than 39 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 $1,775 a year for a typical house, lower than 39 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 Cocoa house costs

What is the property tax rate in Cocoa?

About 1.76% of the value before exemptions a year (2026 tax year (fiscal year 2026-27); Brevard County millage code 13D0/23D0 (City of Cocoa)), plus flat charges on the same bill (Brevard County solid waste disposal assessment (FY 2026-27) $77, City of Cocoa fire protection assessment (FY 2027, residential, per dwelling unit) $265, City of Cocoa stormwater assessment (FY 2027, residential Tier 2: 2,400-4,400 sq. ft. impervious area); the tier depends on the home's impervious area (Tier 1 is $92.69, Tier 3 $248.09) $143).

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

About $8,549 a year on $500,000 of the value before exemptions with the homestead exemption, including $484 of flat charges.

How much is the water bill in Cocoa?

About $131 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?

$27 a month for a house.

When is property tax due in Cocoa?

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

Can seniors lower their property tax or bills in Cocoa?

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.

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

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