Coral Gables, FL · Updated Oct 2026

What a Coral Gables home costs each year

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

Suggestions as you type come from Google; the lookup uses free public map services to find who serves it. Not stored unless you save your house.

Example · a Coral Gables house

$21,322a year · $1,777 a month

Starts at $669,378 of value before exemptions. Typical use.

Property tax$11,392
1.815% of $669,378, less $25,000 homestead exemption and less $26,411 additional homestead exemption
Flat charges on the tax bill$70
City of Coral Gables fire protection assessment $70
Electricity$1,953
1104 kWh a month $1,775 · City of Coral Gables public service tax $178
Water and sewer$1,331
7 units (CCF) a month on Miami-Dade Water and Sewer Department: water $25, sewer $61, city of coral gables stormwater utility fee (per dwelling unit, on the wasd water bill) (confirm on your bill) $25 a month
Trash$601
General residential property (up to two 30-gallon cans and one cubic yard of trash a week), $50 a month
Home insurance$5,975
Typical premium $5,975

A typical Coral Gables house costs about $21,300 a year: $11,460 property tax and charges, $1,330 water and sewer, $600 trash, $1,950 electricity, $5,980 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 income up to $38,686: senior exemptionExtra exemption
The Senior Exemption is an additional benefit for homestead owners: at least one owner must be 65 by January 1, and total household adjusted gross income in the previous year, 2025, cannot exceed $38,686. Senior exemption benefits are a local option: county and city governments (not the School Board) choose whether to grant them.
How: Apply online with the Miami-Dade Property Appraiser, or on form DR-501 (Age 65 and Older with Limited Income) with the household income statement DR-501SC.
$5,000 exemptions for widowed, blind and disabled owners and disabled veterans$5,000 off taxable value
Miami-Dade lists $5,000 exemptions for an un-remarried widow or widower, for blind owners, for owners totally and permanently disabled as of January 1, and for veterans with a service-connected disability rated at 10% or more; service-connected totally and permanently disabled veterans have a separate exemption.
How: See the Miami-Dade Property Appraiser's list of available exemptions and application requirements.
Pay your tax bill in November for 4% off4% off the bill
Florida law gives a 4% discount for payment in November, 3% in December, 2% in January and 1% in February; there is no discount in March.
How: Pay your property tax bill in November.
Prepay the garbage fee by August 15 for the discounted rate$572 instead of $601
Coral Gables owners can prepay the annual garbage and trash assessment in full directly to the City on or before Aug. 15 at a discounted rate and have it removed from the tax bill. For fiscal year 2026-27 the City's fee schedule lists a $572.00 discounted annual rate against the $601.00 annual rate for general residential property.
How: Pay the City of Coral Gables Finance Department before August 15 (questions: waste@coralgables.com or 305-476-7246).

Adjust to match your bills

What you know

Value before exemptionsMost Coral Gables homesteads are assessed well below market value because of the Save Our Homes cap: the median just (market) value of homestead residential property is $1,486,179, but the median assessed value is $669,378. Use the assessed value on your TRIM notice; if you bought recently, your assessed value starts near the market value.

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

Home insurance, a yearFrom your policy. We start at $5,975, Florida Office of Insurance Regulation, July 2026 Insurer Stability report: Miami-Dade County average homeowners premium including wind, data as of March 31, 2026.

Your use

Water, units a month

On your water bill. 1 unit (CCF) is 748 gallons. A typical Coral Gables house uses about 7.

Electricity, kWh a month

On your Florida Power & Light (FPL) bill. An electric car adds about 300 kWh.

Money dates

Nov 1in 8 daysProperty taxes are due November 1; paying in November takes 4% off (3% in December, 2% in January, 1% in February).
Mar 1Deadline to file for the homestead exemption with the Miami-Dade Property Appraiser; timely exemption applications are accepted through March 1.
Apr 1Unpaid property taxes become delinquent on April 1, or 60 days after the original tax notice is mailed if that is later.
Aug 15Last day to prepay the Coral Gables garbage and trash assessment directly to the City at the discounted rate; after Aug. 15 the discounted pre-payment rate is no longer available.

Who serves this house

Water: Miami-Dade Water and Sewer Department; Miami-Dade Water and Sewer Department residential water rates, 2026-27, effective Oct. 1, 2026: $5.36 a month for a 5/8" meter, which includes 2,244 gallons (3 ccf), then $4.3455 per ccf from 4 to 17 ccf and $10.5112 per ccf for 18 ccf and over (one ccf equals 748 gallons). The Florida Department of Revenue lists a 10% Coral Gables public service tax on water.
Property tax: 1.82% of value; 2026 tax year (fiscal year 2026-27), Miami-Dade County millage code 0300 (Coral Gables)
Sewer: City of Coral Gables sanitary sewer, billed on the WASD water bill; The City says 50% of properties are on septic systems
Electricity: Florida Power & Light (FPL); Residential Service (RS-1): $10.52 base charge a month plus per-kWh charges (October 2026)
Gas: Utility gas; 296 of 12,386 owner-occupied homes in Coral Gables heat with utility gas; 11,470 heat with electricity (Census ACS 2020-2024)

Pay or manage your bills

Your water

Source: The Alexander Orr, Jr. plant, which serves customers south of SW 8 Street to about SW 264 Street, draws from the Biscayne Aquifer and uses lime treatment to reduce hardness.
PFAS: 2025 Main System results: PFOS 33 ppt (range 7-33) and PFOA 13 ppt (range 3-13); the federal MCL column shows 4 ppt for each.
Fluoride: The Alexander Orr, Jr., John E. Preston and Hialeah plants stopped adding fluoride on June 6, 2025.

Other FL cities

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How these numbers are made

Property tax: 18.1518 mills in total for Miami-Dade millage code 0300 (Coral Gables), 2026 adopted rates: City of Coral Gables 5.5590; School Board 5.4990 operating, 1.0000 voted operating and 0.1240 debt; South Florida Water Management District 0.0948, Everglades Construction Project 0.0327 and Okeechobee Basin 0.1026; Florida Inland Navigation District 0.0270; Miami-Dade County 4.5740 plus 0.3937 debt; Library 0.2812; The Children's Trust 0.4638. Coral Gables runs its own fire department, so there is no county Fire & Rescue District millage; the City's fire protection assessment ($70 per residential dwelling unit for fiscal year 2026-27, Resolution 2026-240) is added as a flat charge on the tax bill.
The starting value is the Property Appraiser's July 2026 preliminary median assessed value of Coral Gables homestead residential property ($669,378). That figure covers all homestead residential parcels (houses and condominiums alike), because the Property Appraiser does not publish a single-family-only median; it reflects the Save Our Homes cap (the median just value is $1,486,179). Homestead exemptions are the standard $25,000 plus the additional exemption (up to $26,411, non-school). The City's solid waste service assessment ($601 a year per general residential dwelling unit for fiscal year 2026-27, Resolution 2026-241) is on the tax bill and is shown as trash, not added again. Homes in the City's security guard and street lighting special taxing districts (Banyan Drive, Cocoplum Phase I, Gables by the Sea, Hammock Lakes, Hammock Oaks Harbor, Kings Bay, Old Cutler Bay, Pine Bay Estates, Snapper Creek Lakes, Sunrise Harbour and others) pay an extra district assessment that is not included.
Water: Miami-Dade WASD residential rates effective October 1, 2026 for a 5/8-inch meter ($5.36 including the first 3 ccf, $4.3455 per ccf from 4 to 17 ccf, $10.5112 per ccf from 18 ccf), plus the 10% Coral Gables public service tax on water the Florida Department of Revenue lists, applied to water charges only. The SFWMD water restriction surcharge above 18 ccf is not included. Typical use: 5,236 gallons a month (7.0 ccf), the residential usage WASD uses in its bill comparison.
Sewer: City of Coral Gables fiscal year 2027 sanitary sewer charges (Resolution 2026-232), billed by WASD on the water bill: $19.50 a month for a 5/8-inch meter ($9.00 system maintenance, $8.00 capital improvement, $2.50 County billing charge). The calculator uses a single blended rate of $5.9185 per CCF, (5 x $4.9459 + 2 x $8.3500) / 7, which is exact at the 7 CCF default; homes using less than 5 CCF are overcharged and homes using more than 7 CCF are undercharged relative to the tiers ($4.9459 per CCF for 0 to 5, $8.3500 over 5 to 9, $8.0083 over 9). The City says 50% of properties are on septic systems; those homes pay no sewer charge, so turn sewer off if your house has a septic tank.
Stormwater: the City's residential stormwater utility fee is $25.01 per dwelling unit a month, billed on the WASD water bill and charged to every home whether on sewer or septic. That rate is from the City's 2026 stormwater fee methodology sheet (the fiscal year 2026 sea level rise step); the City's June 2026 fee schedule still prints the earlier $23.51 rate (effective 10/1/24), and we found no fiscal year 2027 change.
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 Coral Gables' 10% public service tax on electricity applied to the whole bill (Florida law exempts the fuel charge, so this slightly overstates 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: few Coral Gables homes heat with utility gas.
Insurance: Florida OIR's Miami-Dade County average homeowners premium with wind coverage ($5,975, data as of March 31, 2026); flood insurance is a separate policy and is not included.
Nothing here is legal, tax or insurance advice.

How Coral Gables compares

A typical Coral Gables house against the 65 Florida cities we cover, using the same default numbers as the total above.

Per year	Coral Gables	Median	Where it falls
Property tax rate	1.82%	1.80%	higher than 34 of the other 64 Florida cities we cover
Water	$300	$495	lower than 57 of the other 64 Florida cities we cover
Sewer and utility-bill fees	$1,031	$851	higher than 46 of the other 63 Florida cities we cover
Trash	$601	$368	higher than 54 of the other 61 Florida cities we cover
Electricity and gas	$1,953	$1,953	higher than 20 of the other 64 Florida cities we cover
Home insurance	$5,975	$3,733	higher than 38 of the other 63 Florida cities we cover
Total	$21,322	$13,141	higher than 62 of the other 64 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 $300 a year at typical use, lower than 57 of the other 64 Florida cities we cover.

Ask: "Water here costs about $300 a year at typical use, lower than 57 of the other 64 Florida cities we cover. What drives that cost, and would you change anything?"

2. Trash

The fact: Trash pickup here costs about $601 a year for the standard cart, higher than 54 of the other 61 Florida cities we cover. Where trash is billed through the tax bill or a separate hauler, it is not counted here.

Ask: "Trash pickup here costs about $601 a year for the standard cart, higher than 54 of the other 61 Florida cities we cover. What drives that cost, and would you change anything about the service or the price?"

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Common questions about Coral Gables house costs

What is the property tax rate in Coral Gables?

About 1.82% of the value before exemptions a year (2026 tax year (fiscal year 2026-27), Miami-Dade County millage code 0300 (Coral Gables)), plus flat charges on the same bill (City of Coral Gables fire protection assessment $70).

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

About $8,388 a year on $500,000 of the value before exemptions with the homestead exemption, including $70 of flat charges.

How much is the water bill in Coral Gables?

About $111 a month for water and sewer at typical use (7 units, or 5,236 gallons a month) on Miami-Dade Water and Sewer Department.

How much does trash pickup cost in Coral Gables?

$50 a month for a house.

When is property tax due in Coral Gables?

Nov 1: Property taxes are due November 1; paying in November takes 4% off (3% in December, 2% in January, 1% in February). Apr 1: Unpaid property taxes become delinquent on April 1, or 60 days after the original tax notice is mailed if that is later.

Can seniors lower their property tax or bills in Coral Gables?

Yes. Seniors 65+ with income up to $38,686: senior exemption: The Senior Exemption is an additional benefit for homestead owners: at least one owner must be 65 by January 1, and total household adjusted gross income in the previous year, 2025, cannot exceed $38,686. Senior exemption benefits are a local option: county and city governments (not the School Board) choose whether to grant them.

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

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