Leesburg, FL · Updated Oct 2026

What a Leesburg 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 Leesburg house

$8,728a year · $727 a month

Starts at the typical market value, $228,600; your assessed value is often lower. Typical use.

Property tax$2,972
1.587% of $228,600, less $25,000 homestead exemption and less $26,411 additional homestead exemption
Flat charges on the tax bill$176
City of Leesburg fire protection assessment $176
Electricity$1,813
967 kWh a month $1,648 · City of Leesburg 10% public service tax on electricity $165
Water and sewer$870
9 units (CCF) a month on City of Leesburg: water $26, sewer $47 a month
Trash$247
90-gallon City garbage can, $21 a month
Home insurance$2,650
Typical premium $2,650

A Leesburg house at the typical market value ($228,600) pays about $8,700 a year: $3,150 property tax and charges, $870 water and sewer, $250 trash, $1,810 electricity, $2,650 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: up to $50,000 off the assessed value for Lake County taxesUp to $50,000 off assessed value
Florida law provides an additional exemption for Senior Citizens over 65 with a homestead exemption and adjusted gross household income of no more than $38,686. Lake County has authorized it up to $50,000. The cities the Property Appraiser lists as also authorizing it are Minneola, Clermont, Lady Lake, Mount Dora and Tavares.
How: Apply to the Lake County Property Appraiser between January 2 and March 1; household income documents are due by May 1.
$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.
Veterans with a service-connected disability: $5,000 exemption$5,000 off assessed value
This exemption reduces the assessed value by $5,000 for a Florida resident honorably discharged veteran with a service-connected disability of 10 percent or more.
How: Apply by March 1 of the year you wish the exemption to begin, with a letter from the U.S. Government or the U.S. Department of Veterans Affairs as proof.
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.
Homesteaded owners with very low household income: fire assessment hardship exemptionUp to the $176 fire assessment
Leesburg's fire assessment ordinance exempts homesteaded, owner-occupied residential parcels owned by Low Income Persons. For fiscal year 2026-27, total household income had to be at or below 30% of HUD's 2025 income limits, for example $22,150 for one person.
How: File the City's hardship exemption application every year by May 1; a missed deadline waives the exemption for that fiscal year.
Water rebates for old fixtures and irrigation upgradesUp to $500 rebate
For fixtures installed before 1994, the City rebates 50% of a high-efficiency toilet (up to $100), showerhead or bathroom faucet (up to $40 each). Irrigation system repairs get 50% up to $500, micro-irrigation conversions up to $500, and rain or soil moisture sensors are free.
How: Contact the Water Conservation Coordinator at 352-435-9442 before buying, then apply for pre-approval; the rebate is credited to your utility account after a final inspection.
Leesburg Electric energy efficiency rebates
Leesburg Electric offers rebates to residential customers for qualified energy-efficient products, first come, first served, while funding lasts.
How: Submit a rebate application to the Leesburg Electric Department within 90 days of the permit issue date or the purchase date; questions: (352) 728-9786 ext 2066.
Seniors 65+ living 25+ years in a home with just value under $250,000: county general tax exemptionExempts the Lake County general levy
Lake County has adopted the additional exemption for owners 65 or older who qualify for the limited income senior exemption, have lived in the home at least 25 years and whose home's just value is less than $250,000. It applies to the Lake County general millage only.
How: Apply to the Lake County Property Appraiser with the additional limited income senior exemption application.

Adjust to match your bills

What you know

Value before exemptionsUse the assessed value on your TRIM notice: with the Save Our Homes cap, a long-held homestead is often assessed well below market value. Homes in a community development district (CDD) also pay that district's assessments on the tax bill.

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, units a month

On your water bill. 1 unit (CCF) is 748 gallons. A typical house uses 7–12.

Electricity, kWh a month

On your City of Leesburg Electric Department 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: City of Leesburg; City of Leesburg inside-City water rates effective 10/1/26: a $12.85 monthly customer charge plus a charge per 100 cubic feet in five blocks; residents inside the City pay a 10% Public Service Tax.
Property tax: 1.59% of value; 2026 tax year (fiscal year 2026-27), Lake County final millage, taxing authority code 000L (Leesburg)
Garbage: City of Leesburg Solid Waste; City crews collect inside city limits; $20.61 a month residential garbage charge on the City utility bill
Sewer: City of Leesburg; $32.01 a month customer charge plus $1.658993 per 100 cu. ft. (inside City, effective 10/1/26)
Electricity: City of Leesburg Electric Department; Municipal electric utility with over 27,500 customers
Gas: City of Leesburg Gas Department; Natural gas to about 12,790 customers; fuel charges vary monthly (not in our totals)
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: All of the City's treatment facilities take groundwater from the Floridan Aquifer within the Ocklawaha Watershed.
Hardness: 7 to 8 grains, or 125 to 143 mg of calcium carbonate per liter (2025 report).
Lead lines: The City's lead service line inventory found no lead service lines in the system.
Lead: City system tap samples (July 2023): 90th percentile 1.8 ppb, below the 15 ppb action level; no sites exceeded it.

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: 15.8704 mills in total for Lake County taxing authority code 000L (City of Leesburg), 2026 final rates from the Lake County Property Appraiser: Lake County general fund 5.0254, voted debt service 0.0719, 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), North Lake County Hospital District 0.4046, St. Johns River Water Management District 0.1793 and City of Leesburg 3.3783 (adopted September 28, 2026, the rolled-back rate). Leesburg's CRA and CDD tax codes carry the same total millage. We add one flat yearly charge: the City of Leesburg fire protection assessment, $176 per dwelling unit for fiscal year 2026-27 (Resolution 12,286, adopted September 14, 2026; the City's fire assessment web page still shows last year's $170). Many newer neighborhoods sit in community development districts (Arlington Ridge, Lake Harris, Orange Bend, Bellaviva at Whispering Hills, Dewey Robbins, County Road 33, Villages of West Lake), whose non-ad valorem assessments vary by district and are not included; nor are homeowner association dues.
Homestead takes $25,000 off all taxes and up to $26,411 more off non-school taxes. The starting value is the Census median market value of owner-occupied homes, not an assessed value; it likely overstates taxes for long-held homesteads, because the Save Our Homes cap keeps their assessed value lower; enter your assessed value from your TRIM notice. We found no published median Leesburg homestead assessed value.
Water, sewer and garbage (City of Leesburg rates effective 10/1/26, inside the City, from the City's Utility Account FAQ page): water $12.85 a month plus $1.063284, $1.341373, $1.864835, $2.535521 and $4.645730 per 100 cubic feet in blocks of 0-6, 7-12, 13-21, 22-45 and over 45; we add the City's 10% Public Service Tax into the water prices. Some meters are billed per 1,000 gallons on an equivalent schedule; we use the 100-cubic-foot schedule. White Marsh and Royal Highland customers pay higher upper blocks, not modeled. Sewer $32.01 a month plus $1.658993 per 100 cubic feet of water, with no cap in our figures; the Public Service Tax is not applied to sewer. Garbage $20.61 a month. The City charges a stormwater utility fee (its stormwater page says residents voted for it), but we did not find its amount, so no stormwater charge is included and a real bill may show one. In areas annexed from unincorporated Lake County, a county-franchised hauler may keep collecting trash for up to five years.
Electricity: City of Leesburg Electric residential rate effective 10/1/2026, $15.00 a month plus $0.092940 per kWh up to 1,000 kWh and $0.115492 above, plus the Bulk Power Cost Adjustment of $0.03 per kWh (FMEA's September 2026 comparison shows $30.00 on a 1,000 kWh bill; it can change monthly), all increased by the 2.564% Gross Receipts Tax, plus the City's 10% Public Service Tax. Florida law keeps fuel adjustment charges out of the public service tax, so the tax on a real bill may be somewhat lower. Typical use, 967 kWh a month, is Leesburg Electric's 2024 residential sales divided by its residential customers (EIA). We did not check which addresses, if any, are served by another electric utility. Natural gas from the City of Leesburg Gas Department ($20.57 a month plus $0.7085 per therm delivery) is not in the totals because its monthly fuel charge is not published.
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 Leesburg compares

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

Per year	Leesburg	Median	Where it falls
Property tax rate	1.59%	1.78%	lower than 43 of the other 52 Florida cities we cover
Water	$307	$515	lower than 44 of the other 52 Florida cities we cover
Sewer and utility-bill fees	$563	$901	lower than 46 of the other 51 Florida cities we cover
Trash	$247	$364	lower than 47 of the other 51 Florida cities we cover
Electricity and gas	$1,813	$1,953	lower than 38 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	$8,728	$12,935	lower than 52 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: Leesburg's property tax rate is 1.59%, lower than 43 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 Leesburg is 1.59%, lower than 43 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. Water

The fact: Water here costs about $307 a year at typical use, lower than 44 of the other 52 Florida cities we cover.

Ask: "Water here costs about $307 a year at typical use, lower than 44 of the other 52 Florida cities we cover. What drives that cost, and would you change anything?"

3. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $563 a year, lower than 46 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 $563 a year, lower than 46 of the other 51 Florida cities we cover. What drives that cost, and would you change anything?"

4. Trash

The fact: Trash pickup here costs about $247 a year for the standard cart, lower than 47 of the other 51 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 $247 a year for the standard cart, lower than 47 of the other 51 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 Leesburg house costs

What is the property tax rate in Leesburg?

About 1.59% of the value before exemptions a year (2026 tax year (fiscal year 2026-27), Lake County final millage, taxing authority code 000L (Leesburg)), plus flat charges on the same bill (City of Leesburg fire protection assessment $176).

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

About $7,455 a year on $500,000 of the value before exemptions with the homestead exemption, including $176 of flat charges.

How much is the water bill in Leesburg?

About $73 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on City of Leesburg.

How much does trash pickup cost in Leesburg?

$21 a month for a house.

Can seniors lower their property tax or bills in Leesburg?

Yes. Seniors 65+ with limited income: up to $50,000 off the assessed value for Lake County taxes: Florida law provides an additional exemption for Senior Citizens over 65 with a homestead exemption and adjusted gross household income of no more than $38,686. Lake County has authorized it up to $50,000. The cities the Property Appraiser lists as also authorizing it are Minneola, Clermont, Lady Lake, Mount Dora and Tavares.

Where can I get help paying utility bills in Leesburg?

Homesteaded owners with very low household income: fire assessment hardship exemption: Leesburg's fire assessment ordinance exempts homesteaded, owner-occupied residential parcels owned by Low Income Persons. For fiscal year 2026-27, total household income had to be at or below 30% of HUD's 2025 income limits, for example $22,150 for one person. File the City's hardship exemption application every year by May 1; a missed deadline waives the exemption for that fiscal year.

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

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