Miami Gardens, FL · Updated Oct 2026

What a Miami Gardens 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 Miami Gardens house

$11,847a year · $987 a month

Starts at $148,638 of value before exemptions. Typical use.

Property tax$2,347
2.234% of $148,638, less $25,000 homestead exemption and less $26,411 additional homestead exemption
Flat charges on the tax bill$72
City of Miami Gardens stormwater utility fee (1 ERU) $72
Electricity$1,953
1104 kWh a month $1,775 · City of Miami Gardens public service tax $178
Water and sewer$798
7 units (CCF) a month on Miami-Dade Water and Sewer Department: water $23, sewer $44 a month
Trash$702
County garbage cart (full service: garbage, trash, recycling and Trash and Recycling Centers), $59 a month
Home insurance$5,975
Typical premium $5,975

A typical Miami Gardens house costs about $11,900 a year: $2,420 property tax and charges, $800 water and sewer, $700 trash, $1,950 electricity, $5,980 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 28, 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.
Two free bulky waste pickups a year
The City of Miami Gardens says bulky waste pickup is free of charge twice a year to all single family households, up to 25 cubic yards each, by calling 3-1-1 or requesting online.
How: Call 3-1-1 or request a pickup online.

Adjust to match your bills

What you know

Value before exemptionsMost Miami Gardens homesteads are assessed below market value because of the Save Our Homes cap: the median just (market) value of homestead residential property is $356,335, but the median assessed value is $148,638. 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 Miami Gardens house uses about 7.

Electricity, kWh a month

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

Money dates

Mar 1in 116 daysDeadline 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.
Sep 20Late exemption applications can be filed from March 2 until the deadline on your August notice, which is on or before September 20.
Nov 1Property taxes are due November 1; paying in November takes 4% off (3% in December, 2% in January, 1% in February).

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).
Property tax: 2.23% of value; 2026 tax year (fiscal year 2026-27), Miami-Dade County millage code 3400 (Miami Gardens)
Garbage: Miami-Dade County Department of Solid Waste Management; Garbage twice a week and recycling every other week
Water and sewer: Miami-Dade Water and Sewer Department (WASD); Residential water and wastewater rates for 2026-27, effective Oct. 1, 2026
Stormwater: City of Miami Gardens; Stormwater utility fee of $6.00 a month per Equivalent Residential Unit (ERU)
Electricity: Florida Power & Light (FPL); Residential Service (RS-1): $10.52 base charge a month plus per-kWh charges (October 2026)
Schools: Miami-Dade County School Board; School millages for 2026: 5.4990 operating, 1.0000 voted and 0.1240 debt service

Pay or manage your bills

Your water

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.

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How these numbers are made

Property tax: 22.3393 mills in total for Miami-Dade millage code 3400 (Miami Gardens), 2026 adopted rates: City 6.9363 operating plus 0.4137 debt service; 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; Fire & Rescue District 2.3965; Library 0.2812; The Children's Trust 0.4638.
The starting value is the Property Appraiser's July 2026 preliminary median assessed value of Miami Gardens homestead residential property ($148,638). That figure covers all homestead residential parcels (houses, townhouses 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 $356,335). Homestead exemptions are the standard $25,000 plus the additional exemption (up to $26,411, non-school).
Flat charges on the tax bill: the county Residential Solid Waste Collection Fee ($702 a year for full service) is shown as trash, not added again. The city stormwater utility fee is $6.00 a month per ERU ($72 a year); one ERU is a typical residential unit of 1,800 square feet of impermeable surface, and the city's revenue manual does not state how many ERUs a single-family house is assigned, so one ERU is assumed and larger houses may pay more. The rate is from the city's FY 2027 revenue manual; we did not find a 2026 tax-bill notice.
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); typical use is 5,236 gallons a month (7.0 ccf), the usage WASD uses in its bill comparison. Sewer: WASD wastewater rates ($9.13 including the first 3 ccf, then $8.6573 per ccf). The city's revenue manual says some Miami Gardens properties are instead on the City of North Miami Beach water or sewer system; we did not find the share and its rates are not included. Homes on septic pay no sewer bill.
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; typical use 1,104 kWh a month is EIA's 2024 Florida residential average. The city's 10% electric utility tax is applied to the energy bill by the page; the city also taxes water at 10% but the page does not apply it to water. Gas is not modeled. Insurance: Florida OIR's Miami-Dade County average homeowners premium with wind coverage ($5,975, data as of March 31, 2026); flood insurance is not included.
Electric tax shown is the 10% city public service tax only. The city also receives a 6% FPL electric franchise fee (about $100 a year on this bill) and there is a 2.5% Florida gross receipts tax; neither is included in the electric tax rate.
Nothing here is legal, tax or insurance advice.

How Miami Gardens compares

A typical Miami Gardens house against the 76 Florida cities we cover, using the same default numbers as the total above.

Per year	Miami Gardens	Median	Where it falls
Property tax rate	2.23%	1.79%	higher than 72 of the other 75 Florida cities we cover
Water	$273	$466	lower than 71 of the other 75 Florida cities we cover
Sewer and utility-bill fees	$525	$836	lower than 68 of the other 74 Florida cities we cover
Trash	$702	$369	higher than 65 of the other 72 Florida cities we cover
Electricity and gas	$1,953	$1,953	higher than 24 of the other 75 Florida cities we cover
Home insurance	$5,975	$3,702	higher than 43 of the other 72 Florida cities we cover
Total	$11,847	$12,804	lower than 54 of the other 75 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: Miami Gardens's property tax rate is 2.23%, higher than 72 of the other 75 Florida cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Miami Gardens is 2.23%, higher than 72 of the other 75 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 $273 a year at typical use, lower than 71 of the other 75 Florida cities we cover.

Ask: "Water here costs about $273 a year at typical use, lower than 71 of the other 75 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 $525 a year, lower than 68 of the other 74 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 $525 a year, lower than 68 of the other 74 Florida cities we cover. What drives that cost, and would you change anything?"

4. Trash

The fact: Trash pickup here costs about $702 a year for the standard cart, higher than 65 of the other 72 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 $702 a year for the standard cart, higher than 65 of the other 72 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 Miami Gardens house costs

What is the property tax rate in Miami Gardens?

About 2.23% of the value before exemptions a year (2026 tax year (fiscal year 2026-27), Miami-Dade County millage code 3400 (Miami Gardens)), plus flat charges on the same bill (City of Miami Gardens stormwater utility fee (1 ERU) $72).

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

About $10,268 a year on $500,000 of the value before exemptions with the homestead exemption, including $72 of flat charges.

How much is the water bill in Miami Gardens?

About $67 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 Miami Gardens?

$59 a month for a house.

When is property tax due in Miami Gardens?

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

Can seniors lower their property tax or bills in Miami Gardens?

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 Miami Gardens cost to run each year?

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