Longwood, FL · Updated Oct 2026

What a Longwood 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 Longwood house

$12,443a year · $1,037 a month

Starts at the typical market value, $354,300; your assessed value is often lower. Typical use.

A Longwood house at the typical market value ($354,300) pays about $12,500 a year: $5,070 property tax and charges, $1,220 water and sewer, $370 trash, $2,240 electricity, $3,550 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 $50,000 off Seminole County taxes$50,000 off county taxes
Seminole County homeowners 65 or older on January 1 with household income under the state limit can get an additional exemption of $50,000 on Seminole County taxes; it does not apply to school district taxes. For the 2026 tax year the 2025 income limit is $38,686. You must have the homestead exemption.
How: Apply to the Seminole County Property Appraiser by March 1.
$5,000 exemptions for surviving spouses and totally and permanently disabled owners$5,000 off assessed value
The Seminole County Property Appraiser lists a $5,000 reduction in assessed value for a widow or widower (the surviving spouse) and a $5,000 reduction for a totally and permanently disabled owner.
How: For the disability exemption, submit a completed Physician's Certificate (DR-416) from a licensed Florida physician.
Veterans with a service-connected disability: exemptions$5,000 off, or tax exempt
Veterans with a 10% to 100% service-connected disability can get $5,000 off the assessed value. Honorably discharged veterans with a 100% total and permanent service-connected disability who have the homestead exemption can be tax exempt.
How: Submit a completed application and a letter from the Veteran's Administration; completed applications can also be sent by email to exemptions@scpafl.org.

Money dates

Mar 1Deadline to file for the homestead exemption with the Seminole County Property Appraiser.
Apr 1Taxes not paid by March 31 become delinquent on April 1.
NovSeminole County property tax bills go out in November; paying in November takes 4% off (3% December, 2% January, 1% February, none in March).
15thLongwood utility bills are due by the 15th of the month; payments after the due date get a late fee of $5 or 10% of the bill, whichever is greater.

Who serves this house

Water: City of Longwood; City of Longwood residential water rates inside city limits, listed as effective through 9/30/2026: a base charge for a 3/4 inch meter plus four blocks per 1,000 gallons. The city page also lists higher rates from 10/1/2026 marked pending approval of Ordinance 26-2282.
Property tax: 1.63% of value; 2026 tax year (fiscal year 2026-27), Seminole County final millage, taxing authority code L1 (Longwood)
Garbage: Waste Pro USA (for the City of Longwood); Curbside service $30.68 a month
Sewer: City of Longwood; $9.76 base charge plus $8.33 per 1,000 gallons
Electricity: Duke Energy Florida; RS-1 residential rate: $14.43 customer charge a month plus per-kWh charges
Schools: Seminole County Public Schools; 5.2310 mills for 2026-27

Pay or manage your bills

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How these numbers are made

Florida tax bills are public, but we calculate yours from public rates and the value you enter.
Property tax: 16.2854 mills in total for Longwood (Seminole County Property Appraiser final 2026 millage rates, taxing authority code L1): Seminole County 5.3751, Seminole County Public Schools 5.2310 (2.9830 required local effort plus 2.2480 discretionary), City of Longwood 5.5000 and the St. Johns River Water Management District 0.1793. Longwood has no county fire district millage.
Homestead takes $25,000 off all taxes and up to $26,411 more off non-school taxes (we apply the full $26,411). The typical value is the Census median market value of all owner-occupied units, condos included; the Save Our Homes cap keeps many homesteads' assessed value lower.
Water, sewer and garbage (City of Longwood, inside city limits, 3/4 inch meter): water $15.29 a month plus $3.07 to $12.27 per 1,000 gallons; sewer $9.76 plus $8.33 per 1,000 gallons; garbage $30.68 a month. These are the rates the city lists as effective through 9/30/2026; the city proposed higher rates from 10/1/2026 but the commission removed the increases from the ordinance in June 2026, so we use the through-9/30/2026 column; the city rates page still showed it on 2026-10-22, but we could not confirm from a bill that it applies after 10/1 and the increases may return. A 10% public service tax on water exists in the Florida DOR database but we could not confirm the city bill applies it, so it is not added. The rates page lists no stormwater charge; if the city bills one it is not included. The proposed solid waste assessment on the tax bill was not approved on September 10, 2026, so garbage stays on the utility bill. The city's solid waste FAQ calls $28.18 a month the 'current solid waste charge' while its garbage-services table lists curbside at $30.68 with no date; we use the table figure and have not resolved the difference. Default water and sewer use is a modeling assumption, not a Longwood average.
Electricity: Duke Energy Florida RS-1 effective October 1, 2026, $14.43 a month plus per-kWh charges; the non-fuel energy charge is a weighted average of 3 winter months and 9 months March through November, plus the BA-1 fuel charge and cost recovery factors, plus Longwood's 10% public service tax applied to the whole bill (Florida law exempts the fuel charge, so this slightly overstates it). Typical use, 1,104 kWh a month, is EIA's 2024 Florida residential average. Natural gas is not modeled. Insurance: Florida OIR's Seminole County average homeowners premium with wind coverage ($3,545, March 2026); flood insurance is a separate policy.
Nothing here is legal, tax or insurance advice.

Sources

How Longwood compares

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

Per year	Longwood	Median	Where it falls
Property tax rate	1.63%	1.78%	lower than 39 of the other 52 Florida cities we cover
Water	$431	$515	lower than 40 of the other 52 Florida cities we cover
Sewer and utility-bill fees	$790	$901	lower than 35 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	$2,238	$1,953	higher than 48 of the other 52 Florida cities we cover
Home insurance	$3,545	$3,733	lower than 29 of the other 51 Florida cities we cover
Total	$12,443	$12,935	lower than 32 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: Longwood's property tax rate is 1.63%, lower than 39 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 Longwood is 1.63%, lower than 39 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 $431 a year at typical use, lower than 40 of the other 52 Florida cities we cover.

Ask: "Water here costs about $431 a year at typical use, lower than 40 of the other 52 Florida cities we cover. What drives that cost, and would you change anything?"

3. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,238 a year, higher than 48 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 $2,238 a year for a typical house, higher than 48 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 Longwood house costs

What is the property tax rate in Longwood?

About 1.63% of the value before exemptions a year (2026 tax year (fiscal year 2026-27), Seminole County final millage, taxing authority code L1 (Longwood)), plus flat charges on the same bill.

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

About $7,444 a year on $500,000 of the value before exemptions with the homestead exemption.

How much is the water bill in Longwood?

About $102 a month for water and sewer at typical use (7,000 gallons a month) on City of Longwood.

How much does trash pickup cost in Longwood?

$31 a month for a house.

Can seniors lower their property tax or bills in Longwood?

Yes. Seniors 65+ with limited income: extra $50,000 off Seminole County taxes: Seminole County homeowners 65 or older on January 1 with household income under the state limit can get an additional exemption of $50,000 on Seminole County taxes; it does not apply to school district taxes. For the 2026 tax year the 2025 income limit is $38,686. You must have the homestead exemption.

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

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