Pensacola, FL · Updated Oct 2026

What a Pensacola 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 Pensacola house

$12,013a year · $1,001 a month

Starts at the typical market value, $314,400; your assessed value is often lower. Typical use.

Property tax$4,613
1.700% of $314,400, less $25,000 homestead exemption and less $26,411 additional homestead exemption for non-school taxes
Electricity$2,020
1104 kWh a month $1,836 · City of Pensacola public service tax $184
Water and sewer$1,261
7,000 gallons a month on Emerald Coast Utilities Authority (ECUA): water $37, sewer $64, City of Pensacola public service tax $4 a month
Trash$417
Residential garbage and trash collection fee, $35 a month
Home insurance$3,702
Typical premium $3,702

A Pensacola house at the typical market value ($314,400) costs about $12,000 a year: $4,610 property tax and charges, $1,260 water and sewer, $420 trash, $2,020 electricity, $3,700 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:

Pay your tax bill in November4% off the bill
The Escambia County Tax Collector gives 4% off for paying in November, 3% in December, 2% in January and 1% in February; the gross amount is due in March.
How: Pay in November for the largest discount.
Seniors: ECUA Lifeline water and sewer rates
Qualifying senior citizens pay a minimum monthly water rate of $13.50, which includes 6,000 gallons, and a minimum monthly sewer rate of $17.40, which includes 6,000 gallons.
How: Apply by contacting the Northwest Florida Area Agency on Aging at 850-494-7100.
One-time water leak adjustment
After a houseline water leak is discovered, ECUA may adjust the excess water and sewer charges; the adjustment is offered once for the lifetime of the account.
How: Call ECUA Customer Service at 476-0480; a signed form and proof that the leak was repaired are required.
Check indoor and outdoor fixtures before sewer averaging
Annual sewer charges are based on the average gallons of water used during the winter months; the first meter reading on or after November 15th starts the sewer averaging period.
How: Check plumbing fixtures for leaks, since the averaging period sets your sewer charges for the next twelve months.

Adjust to match your bills

What you knowTrash cartGarbage collection is mandatory within the City of Pensacola.

Value before exemptionsThe assessed or appraised value on your tax bill or notice, before exemptions (not the "taxable" line).

I live here and have the Homestead exemption and Additional homestead exemption for non-school taxes

Home insurance, a yearFrom your policy. We start at $3,702, Florida Office of Insurance Regulation, July 2026 Insurer Stability report: Escambia County average homeowners premium including wind, data as of March 31, 2026.

Your use

Water, thousands of gallons a month

On your water bill. A typical house uses 5,000–8,000 gallons.

Electricity, kWh a month

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

Money dates

Nov 15in 10 daysThe first ECUA meter reading taken on or after November 15th starts the 90-day sewer averaging period.
Apr 1Taxes become delinquent April 1 of each year, at which time a 3% penalty (real estate) is added to the bill.
Nov 1Tax statements normally are mailed out November 1 each year, with 4% off in November, 3% in December, 2% in January and 1% in February.

Who serves this house

Water: Emerald Coast Utilities Authority (ECUA); Water rates consist of a minimum monthly charge and a usage charge. Inside City locations are charged a 6% Franchise and 10% City Tax fee.
Property tax: 1.70% of value; 2026 tax year: City of Pensacola (adopted Sept. 16, 2026) and NWFWMD (adopted FY 2026-27); School District tentative 2026-27 rate; County, Library and Children's Trust rates as listed by the Tax Collector for 2025
Garbage: City of Pensacola Sanitation Services; Once-a-week pickup of garbage, recycling and yard waste; garbage collection is mandatory within the City of Pensacola
Sewer: Emerald Coast Utilities Authority (ECUA); A minimum monthly fee of $17.85, which includes 2,000 gallons, then $9.73 per thousand gallons
Electricity: Florida Power & Light (FPL); Residential Service (RS-1): $10.52 base charge a month plus per-kWh charges (October 2026)
Gas: Pensacola Energy; Residential in-city customer charge of $12.00 per bill and a distribution charge of $1.052 per ccf, plus a monthly fuel charge
Schools: Escambia County School District; 5.354 mills: the recommended 2026-27 rate in the tentative budget

Pay or manage your bills

Your water

Senior rate: Seniors who qualify for the Lifeline rate pay a minimum monthly water rate of $13.50, which includes 6,000 gallons.

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How these numbers are made

Property tax uses 17.0080 mills in the City of Pensacola district on the Tax Collector's 2025 table; the 2026 City rate (4.2895) and NWFWMD (0.0201) are adopted figures and the School rate (5.354) is the tentative 2026-27 rate, applied to value after the $25,000 + $26,411 homestead exemptions. The Downtown Improvement District levy (2.0 mills) is not included, since it applies only inside that district.
Water and sewer use ECUA's Residential Mainland brochure 2026-2027: water $15.86 a month plus $3.21 per thousand gallons; sewer $17.85 a month including 2,000 gallons plus $9.73 per thousand gallons over that. Inside City locations the brochure adds a 6% franchise fee on water and on sewer and a 10% City tax on water (sewer has only the 6% franchise fee); the 10% is applied to the water charge and the 6% on both is shown as a flat monthly amount at the default use, so it moves slightly with use. A capital improvement fee ($2.50 each for water and wastewater at a 5/8-inch meter) is listed in the brochure without a stated billing period and is not included. The City's stormwater service assessment, billed on the Escambia County property tax bill, is not included because the FY2026-27 rate and the tier for a typical home were not confirmed (the City is reviewing its fee structure). ECUA sewer is billed on winter-quarter average water use, which this page approximates with current use.
Garbage uses City of Pensacola Ordinance 9-25: $24.99 a month for garbage and trash collection from July 1, 2025 plus $1.77 from October 1, 2026; $32.99 with recycling plus $1.77. An ordinance-allowed fuel surcharge pass-through is not included. Garbage is billed outside the property tax bill.
Electricity uses FPL's October 2026 RS-1 rate ($10.52 plus 12.719 cents per kWh up to 1,000 kWh and 14.719 cents above, including the 0.421-cent Transition Rider Charge) at EIA's 2024 Florida residential average of 1,104 kWh a month, plus the City's 10% public service tax on electricity, which the state database lists with a $1,000 monthly cap per meter. State law excludes fuel charges from that tax so the tax shown may be slightly high.
Gas is left out of the total because the monthly fuel charge varies: Pensacola Energy's in-city residential rates from July 1, 2026 are $12.00 a month plus $1.052 per ccf plus fuel, with a 10% utility tax. Flood insurance is not included.
The 6% ECUA franchise fee on water and sewer is not shown as a separate dollar line: its monthly amount depends on an assumed usage the sources do not state.
Nothing here is legal, tax or insurance advice.

Sources

How Pensacola compares

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

Per year	Pensacola	Median	Where it falls
Property tax rate	1.70%	1.79%	lower than 51 of the other 75 Florida cities we cover
Water	$450	$466	lower than 42 of the other 75 Florida cities we cover
Sewer and utility-bill fees	$812	$836	lower than 43 of the other 74 Florida cities we cover
Trash	$417	$369	higher than 45 of the other 72 Florida cities we cover
Electricity and gas	$2,020	$1,953	higher than 56 of the other 75 Florida cities we cover
Home insurance	$3,702	$3,702	in the middle of 72 other Florida cities we cover
Total	$12,013	$12,804	lower than 51 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.

Common questions about Pensacola house costs

What is the property tax rate in Pensacola?

About 1.70% of the value before exemptions a year (2026 tax year: City of Pensacola (adopted Sept. 16, 2026) and NWFWMD (adopted FY 2026-27); School District tentative 2026-27 rate; County, Library and Children's Trust rates as listed by the Tax Collector for 2025), plus flat charges on the same bill.

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

About $7,768 a year on $500,000 of the value before exemptions with the homestead exemption.

How much is the water bill in Pensacola?

About $101 a month for water and sewer at typical use (7,000 gallons a month) on Emerald Coast Utilities Authority (ECUA).

How much does trash pickup cost in Pensacola?

$35 a month for a house.

Can seniors lower their property tax or bills in Pensacola?

Yes. Seniors: ECUA Lifeline water and sewer rates: Qualifying senior citizens pay a minimum monthly water rate of $13.50, which includes 6,000 gallons, and a minimum monthly sewer rate of $17.40, which includes 6,000 gallons.

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

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