Dunedin, FL · Updated Oct 2026

What a Dunedin 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 Dunedin house

$13,166a year · $1,097 a month

Starts at $326,688 of value before exemptions. Typical use.

Property tax$4,988
1.752% of $326,688, less $25,000 homestead exemption and less $26,411 additional homestead exemption
Electricity$2,191
1104 kWh a month $2,191
Water and sewer$1,559
4,000 gallons a month on City of Dunedin: water $44, sewer $62, city of dunedin stormwater fee (inside-city residential) $24 a month
Trash$365
Residential curbside service (one rate), $30 a month
Home insurance$4,063
Typical premium $4,063

A typical Dunedin house pays about $13,200 a year: $4,990 property tax and charges, $1,560 water and sewer, $370 trash, $2,190 electricity, $4,060 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: $50,000 off Dunedin city taxes$50,000 off city taxes (about $207)
Dunedin has adopted the additional low-income senior exemption: $50,000 off, with approximate savings of $207 according to the Property Appraiser. At least one owner must be 65 or older on January 1, qualify for homestead, and meet the 2026 adjusted income limitation of $38,686, based on income received in the prior year.
How: Apply to the Pinellas County Property Appraiser by March 1; income information is not due until June 1.
Veterans with a service-connected disability: exemptions$5,000 off, or no property tax on the homestead
Honorably discharged veterans with a service-connected disability of 10% or more can get $5,000 off; veterans with a service-connected total and permanent disability are exempt on their homestead.
How: Apply to the Pinellas County Property Appraiser with a letter from the U.S. Government or Veterans Affairs.
Two bulk items a week at no extra cost
Dunedin's single-family curbside service includes up to 2 pieces of bulk per week at no additional cost, collected on your regular collection day.
How: Contact Dunedin Solid Waste at (727) 298-3215 or SolidWaste@Dunedin.gov about additional bulk items.
Solar rebate: $0.25 a watt, up to $2,500Up to $2,500 rebate
City of Dunedin residents can get a rebate for installing solar panels at $0.25 per watt, up to $2,500, first come, first served as funds are available. Program allocation and continuance for FY 2027 will be determined after the City Commission reviews the contingency budget; the opening date for applications has been postponed to December 1, 2026.
How: Email the Solar Energy Grant Form and a W-9 to permits@dunedin.gov, or drop them off at Community Development in City Hall. Questions: sustainability@dunedin.gov or 727-298-3213.
Track your water use and leaks with EyeOnWater
Dunedin's EyeOnWater portal and mobile app let customers monitor water usage in near real-time and can send alerts for possible leaks or unusual usage.
How: Set up your EyeOnWater account at dunedin.gov/City-Services/Water-Utilities/EyeOnWater.

Money dates

Nov 1in 9 daysProperty tax notices are mailed by November 1; Florida law allows discounts for early payment from November through February.
Mar 1Deadline to apply for the homestead exemption for that year with the Pinellas County Property Appraiser.
Apr 1Taxes not paid by March 31 become delinquent on April 1, when interest and penalties are added.
Apr 1, 2027Dunedin's residential garbage rate rises from $30.42 to $35.17 a month.

Who serves this house

Water: City of Dunedin; City of Dunedin inside-city residential rates for 10/01/2026 through 03/31/2027: a $13.05 monthly water unit charge plus $7.69 per thousand gallons for 0 to 5,000 gallons, $11.57 for 6,000 to 20,000 gallons and $17.35 over 20,000 gallons; billed monthly
Property tax: 1.75% of value; 2026 tax year (fiscal year 2026-27), City of Dunedin, Pinellas County
Garbage: City of Dunedin Solid Waste; $30.42 a month for weekly garbage and recycling carts; yard waste and bulk items are also collected once a week, on the same day
Sewer: City of Dunedin; Inside-city residential: $18.07 a month plus $11.04 per thousand gallons, with a cap of 10,000 gallons
Electricity: Duke Energy Florida; Residential Service (RS-1) rates in force in October 2026: $14.43 customer charge a month
Gas: Utility gas; 542 of 12,370 owner-occupied homes in Dunedin heat with utility gas; 11,373 heat with electricity (Census ACS 2020-2024)
Schools: Pinellas County Schools; 6.2730 mills for 2026-27: 3.0250 required local effort, 0.7480 discretionary, 1.0000 local referendum, 1.5000 capital outlay

Pay or manage your bills

Your water

Source: Groundwater from the Floridan aquifer, pumped by 29 wells in Dunedin and treated at the City's Reverse Osmosis Water Treatment Plant.
Compliance: The 2025 Annual Water Quality Report says City of Dunedin drinking water meets all state and federal standards.
Lead: The 90th percentile of lead samples was 1.5 ppb; lead is sampled every three years, next in summer 2026.
Fluoride: Dunedin stopped adding supplemental fluoride on June 30, 2025; the well water's natural fluoride level was 0.25 ppm in 2025.

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: 17.5165 mills in total for the 2026 tax year (fiscal year 2026-27), final adopted rates: City of Dunedin 4.1345 (Resolution 26-14, Sept. 17, 2026); Pinellas County 4.4989 general fund, 0.0713 health department, 0.8050 emergency medical services and 0.0171 Pinellas Planning Council; Pinellas County Schools 6.2730 (3.0250 required local effort, 0.7480 discretionary, 1.0000 local referendum, 1.5000 capital outlay); PSTA transit 0.7168; Juvenile Welfare Board 0.8168; Southwest Florida Water Management District 0.1831. These are the taxing bodies in Dunedin's 2025 millage code DN on the Tax Collector's table (the 2026 table is not published yet).
Homestead takes $25,000 off all taxes and up to $26,411 more off non-school taxes (we apply the full $26,411). The starting value is the average assessed value of a Dunedin single-family parcel on the Property Appraiser's 2026 interim (pre-VAB) roll recap, $3,384,814,542 over 10,361 parcels, about $326,688; the appraiser publishes totals, not a median, and the average includes non-homestead houses. For context, the Census ACS 2020-2024 median market value of owner-occupied homes in Dunedin is $396,000. We found no flat yearly charges on a typical Dunedin single-family tax bill; trash, stormwater, water and sewer are on the City utility bill.
Water: City of Dunedin inside-city residential rates for 10/01/2026 through 03/31/2027, $13.05 a month water unit charge plus $7.69 per thousand gallons up to 5,000 gallons, $11.57 from 6,000 to 20,000 and $17.35 above. Sewer: $18.07 a month plus $11.04 per thousand gallons, capped at 10,000 gallons. Stormwater: $23.87 a month. Garbage: $30.42 a month (it rises to $35.17 on April 1, 2027). The page starts at the City's average residential use of 4,000 gallons a month (5.35 CCF). Reclaimed water for irrigation ($1.50 per thousand gallons, where available) is optional and not included.
Electricity: Duke Energy Florida RS-1 effective October 1, 2026: non-fuel energy weighted 3 winter months (December-February) and 9 other months, plus the energy conservation, capacity, environmental, asset securitization and storm protection factors (1.733¢) and fuel (4.127¢ up to 1,000 kWh, 5.197¢ above). Dunedin's 10% public service tax on electricity (Florida Department of Revenue table) is added to the $14.43 customer charge, the non-fuel charges and the first 0.699¢ of fuel per kWh, as Duke's BA-1 schedule says, giving $15.87 a month plus 14.903¢ per kWh up to 1,000 kWh and 17.021¢ above. Duke's right-of-way (franchise) fee under Dunedin's 2024 franchise (6% of Duke's base revenues, paid to the City) and the state gross receipts tax are not included. Typical use, 1,104 kWh a month, is EIA's 2024 Florida residential average. Gas is not modeled: about 4% of Dunedin owner-occupied homes heat with utility gas (Census).
Insurance: Florida OIR's Pinellas County average homeowners premium with wind coverage ($4,063, 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 Dunedin compares

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

Per year	Dunedin	Median	Where it falls
Property tax rate	1.75%	1.78%	lower than 32 of the other 52 Florida cities we cover
Water	$526	$515	higher than 27 of the other 52 Florida cities we cover
Sewer and utility-bill fees	$1,033	$901	higher than 36 of the other 51 Florida cities we cover
Trash	$365	$364	higher than 26 of the other 51 Florida cities we cover
Electricity and gas	$2,191	$1,953	higher than 43 of the other 52 Florida cities we cover
Home insurance	$4,063	$3,733	higher than 28 of the other 51 Florida cities we cover
Total	$13,166	$12,935	higher than 28 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 $2,191 a year, higher than 43 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 $2,191 a year for a typical house, higher than 43 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 Dunedin house costs

What is the property tax rate in Dunedin?

About 1.75% of the value before exemptions a year (2026 tax year (fiscal year 2026-27), City of Dunedin, Pinellas County), plus flat charges on the same bill.

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

About $8,023 a year on $500,000 of the value before exemptions with the homestead exemption.

How much is the water bill in Dunedin?

About $130 a month for water and sewer at typical use (4,000 gallons a month) on City of Dunedin.

How much does trash pickup cost in Dunedin?

$30 a month for a house.

Can seniors lower their property tax or bills in Dunedin?

Yes. Seniors 65+ with limited income: $50,000 off Dunedin city taxes: Dunedin has adopted the additional low-income senior exemption: $50,000 off, with approximate savings of $207 according to the Property Appraiser. At least one owner must be 65 or older on January 1, qualify for homestead, and meet the 2026 adjusted income limitation of $38,686, based on income received in the prior year.

Where can I get help paying utility bills in Dunedin?

Seniors 65+ with limited income: $50,000 off Dunedin city taxes: Dunedin has adopted the additional low-income senior exemption: $50,000 off, with approximate savings of $207 according to the Property Appraiser. At least one owner must be 65 or older on January 1, qualify for homestead, and meet the 2026 adjusted income limitation of $38,686, based on income received in the prior year. Apply to the Pinellas County Property Appraiser by March 1; income information is not due until June 1.

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

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