Port St. Lucie, FL · Updated Oct 2026

What a Port St. Lucie 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 Port St. Lucie house

$11,673a year · $973 a month

Starts at $243,009 of value before exemptions. Typical use.

Property tax$4,381
2.200% of $243,009, less $25,000 homestead exemption and less $26,411 additional homestead exemption
Flat charges on the tax bill$195
City of Port St. Lucie stormwater fee, one ERU (FY 2026-27) $195
Electricity$1,953
1104 kWh a month $1,775 · public service tax (City of Port St. Lucie, on electricity) $178
Water and sewer$1,171
5,000 gallons a month on City of Port St. Lucie Utility Systems: water $39, sewer $59 a month
Trash$482
City garbage cart + recycling cart (one flat rate), $40 a month
Home insurance$3,491
Typical premium $3,491

A typical Port St. Lucie house costs about $11,700 a year: $4,580 property tax and charges, $1,170 water and sewer, $480 trash, $1,950 electricity, $3,490 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:

Pay your tax bill in November4% off the bill
The St. Lucie County Tax Collector gives 4% off for paying in November, 3% in December, 2% in January and 1% in February; payments in March get no discount.
How: Pay in November for the largest discount.
Pay in four installmentsUp to 6% off each early installment
Florida law lets you pay real estate taxes in four installments; the first (due by June 30) is discounted 6%, the second 4.5% and the third 3%. Applications for 2027 taxes are taken online from November 1, 2026 to April 30, 2027.
How: Search for your property on the Tax Collector's site and click on the Installment Application.
Moved within Port St. Lucie since 2022? Claim the rest of the Waste Pro credit$300 credit
Owners who sold a home and bought another in the city in that period may submit documentation showing continuous ownership; a 180-day claims window would let them receive the remaining $300 credit on the following year's tax bill.
How: Watch for the City's claims process; call 1PSL at 772-871-1775 with questions.
Bulk items are picked up once a month
Port St. Lucie collects bulk waste such as furniture, mattresses and appliances once a month on your regular pickup day, up to 2 cubic yards.
How: Put it at the curb on your pickup day; check your day on the City's collection map.
Veterans and people with disabilities: $5,000 exemptions$5,000 off taxable value
Honorably discharged veterans with a service connected disability rating of at least 10%, and Florida residents who are totally and permanently disabled or blind, may qualify for a $5,000 exemption.
How: Apply to the St. Lucie County Property Appraiser (772-462-1021) with the VA letter or physician's certification.
Low income: homestead tax deferral
The Homestead Tax Deferral Program lets homestead owners whose incomes are low compared with their real estate taxes postpone part of their property taxes, based on household income.
How: Download the program application from the St. Lucie County Tax Collector.

Adjust to match your bills

What you know

Value before exemptionsThis is a median assessed value: Save Our Homes keeps long-held homesteads below market. A home bought recently is reassessed at its market value; the City's FY 26/27 budget brief puts the median market value of a single-family home at $356,563. Many newer Port St. Lucie neighborhoods (Tradition, Verano, Southern Grove and others) are in a community development district (CDD) or a Southwest Annexation assessment district. Those charges are on your tax bill but are not included here, so check your bill.

I live here and have the Homestead exemption and Additional homestead exemption

Home insurance, a yearFrom your policy. We start at $3,491, Florida Office of Insurance Regulation, July 2026 Insurer Stability report: St. Lucie 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 1in 8 daysProperty tax bills are mailed on or about November 1; paying in November takes 4% off (3% in December, 2% in January, 1% in February).
Mar 1Filing deadline for homestead and other exemptions for the tax year.
Mar 31Property taxes are due by March 31.
Apr 1Unpaid taxes become delinquent on April 1.

Who serves this house

Water: City of Port St. Lucie Utility Systems; City of Port St. Lucie Utility Systems, single-family rates effective October 1, 2026 (Ordinance 26-86): a monthly base facility charge plus a gallonage rate per 1,000 gallons in three blocks
Property tax: 2.20% of value; 2026 tax year (fiscal year 2026-27), St. Lucie County, main City of Port St. Lucie tax district: City of Port St. Lucie final adopted rates; county, school and special district rates are the 2026 proposed (TRIM) rates
Garbage: FCC Environmental Services (City of Port St. Lucie contract); Weekly garbage, recycling and yard waste pickup and monthly bulk pickup, paid once a year through the property tax bill
Sewer: City of Port St. Lucie Utility Systems; Single-family wastewater base facility charge of $17.65 a month plus a wastewater rate of $8.27 per 1,000 gallons, with a wastewater cap of 8,000 gallons
Electricity: Florida Power & Light (FPL); Residential Service (RS-1): $10.52 base charge a month plus per-kWh charges (October 2026)
Gas: Utility gas; 3,675 of 70,522 owner-occupied homes in Port St. Lucie heat with utility gas; 64,078 heat with electricity (Census ACS 2020-2024)
Schools: St. Lucie County School Board; 2026 proposed rates: 2.9970 mills required local effort (state law), 1.5000 capital outlay, 0.7480 discretionary and 1.0000 voter referendum

Pay or manage your bills

Your water

Source: Shallow East Coast Surficial aquifer water treated by lime softening, and Floridan aquifer water (about 1,350 feet deep) treated by two reverse osmosis plants; the waters are blended.
Lead: Lead in tap water: 90th percentile 4.6 ppb against the 15 ppb action level (June-August 2023 sampling), with 1 site above the action level.
PFAS: 2025 testing at the Prineville plant found PFOS at 3.3 ppt and PFOA at 1.8 ppt (proposed MCL 4 ppt); none was detected at the James E. Anderson plant.

Homes in St. Lucie West pay the St. Lucie West Services District's water and sewer rates instead of the City rates shown here. Homes on a private well or septic system have no City water or sewer bill.

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How these numbers are made

Property tax uses 22.0043 mills in all for a home in the main City of Port St. Lucie tax district: City of Port St. Lucie 4.6107 operating + 0.2643 voted debt (Ordinance 26-84, adopted Sept. 28, 2026); St. Lucie County 4.0441 general fund, 2.7294 fine and forfeiture, 0.2500 transit, 0.1352 mosquito control and 0.1000 Erosion District E; the School Board 6.2450 (2.9970 required local effort, 1.5000 capital outlay, 0.7480 discretionary, 1.0000 voter referendum); the Fire District 3.0000; the Children's Services Council 0.3685; SFWMD 0.0948 + 0.1026 Okeechobee Basin + 0.0327 Everglades Construction; and FIND 0.0270. All but the City's are the Property Appraiser's 2026 proposed (TRIM) rates; the total matches the City's budget hearing. The County's unincorporated-only MSTUs (law enforcement, community development, stormwater) do not apply in the city; one smaller city district (code 0041 in the 2025 state table) has no mosquito control levy.
Taxable value is the assessed value less the $25,000 homestead exemption on all taxes and up to $26,411 more on non-school taxes (we apply the full $26,411, which every home assessed at $76,411 or more gets). The starting value is the median single-family assessed value from the Property Appraiser that the City used in its FY 2026-27 budget hearing ($243,009); that hearing estimates $4,381 in property tax for such a homestead, which this page reproduces.
Non-ad valorem charges on the tax bill: the City stormwater fee of $195.00 per ERU (one ERU, the average impervious area of a single-family home) and the City solid waste assessment of $482.16 per dwelling unit (FCC Environmental Services collection plus disposal), shown under garbage as $40.18 a month. The one-time Waste Pro settlement credit on the 2026-27 bill ($364 or $64) is not subtracted. Not included: the $26 street lighting assessment, charged only in neighborhoods that requested it; community development district (CDD) charges in Tradition, Verano, Southern Grove and other CDD neighborhoods; St. Lucie West Services District charges; and the Southwest Annexation special assessment districts, which vary by neighborhood.
Water and sewer use City of Port St. Lucie Utility Systems' single-family rates effective Oct. 1, 2026 (Ordinance 26-86) for a 5/8" x 3/4" meter: water $11.55 a month plus $5.41 per 1,000 gallons up to 5,000 gallons, $7.05 to 12,000 and $8.67 above; sewer $17.65 a month plus $8.27 per 1,000 gallons, on at most 8,000 gallons. The page starts at 5,000 gallons a month, the usage on the City's example average residential bill. Homes in St. Lucie West get water and sewer from the St. Lucie West Services District instead, at its own rates, and some homes are on wells and septic.
Electricity uses FPL's October 2026 residential rate RS-1 ($10.52 a month plus 12.258 cents per kWh up to 1,000 kWh and 14.258 cents above, all per-kWh clauses included) for every month of the year at EIA's 2024 Florida residential average of 1,104 kWh a month, plus Port St. Lucie's 10% public service tax on electricity applied to the whole bill (Florida law exempts fuel charges, so this slightly overstates it); FPL's franchise fee and the state gross receipts tax are not included. Gas is left out because about 5% of owner-occupied homes heat with utility gas.
Insurance is the Florida Office of Insurance Regulation's St. Lucie County average homeowners premium including wind ($3,491, data as of March 31, 2026); flood insurance, a separate policy, is not included.
Nothing here is legal, tax or insurance advice.

Sources

How Port St. Lucie compares

A typical Port St. Lucie house against the 65 Florida cities we cover, using the same default numbers as the total above.

Per year	Port St. Lucie	Median	Where it falls
Property tax rate	2.20%	1.80%	higher than 61 of the other 64 Florida cities we cover
Water	$463	$495	lower than 36 of the other 64 Florida cities we cover
Sewer and utility-bill fees	$708	$851	lower than 46 of the other 63 Florida cities we cover
Trash	$482	$368	higher than 49 of the other 61 Florida cities we cover
Electricity and gas	$1,953	$1,953	higher than 20 of the other 64 Florida cities we cover
Home insurance	$3,491	$3,733	lower than 47 of the other 63 Florida cities we cover
Total	$11,673	$13,141	lower than 52 of the other 64 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: Port St. Lucie's property tax rate is 2.20%, higher than 61 of the other 64 Florida cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Port St. Lucie is 2.20%, higher than 61 of the other 64 Florida cities we cover. What should that money pay for first, and would you change anything about how it is set?"

2. Trash

The fact: Trash pickup here costs about $482 a year for the standard cart, higher than 49 of the other 61 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 $482 a year for the standard cart, higher than 49 of the other 61 Florida cities we cover. What drives that cost, and would you change anything about the service or the price?"

See who is running in your city →

Common questions about Port St. Lucie house costs

What is the property tax rate in Port St. Lucie?

About 2.20% of the value before exemptions a year (2026 tax year (fiscal year 2026-27), St. Lucie County, main City of Port St. Lucie tax district: City of Port St. Lucie final adopted rates; county, school and special district rates are the 2026 proposed (TRIM) rates), plus flat charges on the same bill (City of Port St. Lucie stormwater fee, one ERU (FY 2026-27) $195).

How much is property tax on a $500,000 house in Port St. Lucie?

About $10,231 a year on $500,000 of the value before exemptions with the homestead exemption, including $195 of flat charges.

How much is the water bill in Port St. Lucie?

About $98 a month for water and sewer at typical use (5,000 gallons a month) on City of Port St. Lucie Utility Systems.

How much does trash pickup cost in Port St. Lucie?

$40 a month for a house.

When is property tax due in Port St. Lucie?

Mar 31: Property taxes are due by March 31.

How much does a house in Port St. Lucie cost to run each year?

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