What a St. Cloud 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.
Starts at the typical market value, $356,200; your assessed value is often lower. Typical use.
- Property tax$5,604
1.787% of $356,200, less $25,000 homestead exemption and less $25,000 additional homestead exemption
- Electricity$1,855
1104 kWh a month $1,855
- Water and sewer$1,135
7,000 gallons a month on Toho Water Authority (St. Cloud): water $26, sewer $68 a month
- Trash$464
Residential curbside collection, $39 a month
- Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.
A St. Cloud house at the typical market value ($356,200) costs about $9,100 a year: $5,600 property tax and charges, $1,140 water and sewer, $460 trash, $1,850 electricity; home insurance is not included (no typical premium yet). 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:
Money dates
- Mar 31The gross tax amount is due by March 31 of the following year; taxes become delinquent on April 1.
- Nov 1Osceola County tax statements are normally mailed on or before November 1; paying in November takes 4% off (3% December, 2% January, 1% February).
Who serves this house
- Water
- Toho Water Authority (St. Cloud)
- Toho Water Authority residential water for a 3/4" meter: $8.33 monthly base charge plus per-1,000-gallon usage tiers
- Property tax
- 1.79% of value
- 2026 tax year, Osceola County final millage, St. Cloud (millage code 100)
- Garbage
- City of St. Cloud Solid Waste
- Residential curbside collection $38.64 a month from October 1, 2026
- Stormwater
- City of St. Cloud
- Stormwater utility fee is $13.10 per ERU from October 1, 2026; city stormwater fees are included on Toho’s bill
- Sewer
- Toho Water Authority
- Wastewater: $2.61 per 1,000 gallons for the first 2,000 gallons and $8.97 above
- Electricity
- Orlando Utilities Commission (OUC)
- St. Cloud residential customer charge $19.24 a month
- Schools
- Osceola County School Board
- 5.2770 mills for 2026
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How these numbers are made
- Property tax: 17.8699 mills in total for Osceola millage code 100 (St. Cloud), 2026 final rates: county 7.2500 (general fund 6.7000, library 0.3000, Save Osceola operating 0.2500), school 5.2770, SFWMD 0.2301, city 5.1128.
- Sewer: Toho bills $2.61 per 1,000 gallons for the first 2,000 gallons and $8.97 above; we model that as a base of 20.70 + 2*2.61 - 2*8.97 plus $8.97 per 1,000 gallons. Water and sewer are Toho Water Authority's published rates; the EPA map lists the St. Cloud system as FL3491373.
- Electricity: OUC's St. Cloud residential schedule effective October 1, 2025 (the latest published on OUC's rates page): non-fuel base plus fuel per kWh. OUC's DemandLevel charges, which its rates page lists for St. Cloud, are not included, and no city utility tax or franchise fee on the OUC bill is sourced, so the real bill may be higher. Typical use of 1,104 kWh a month is EIA's 2024 Florida residential average.
- Gas: St. Cloud has no sourced municipal gas utility, so gas is not included. Homeowners insurance has no sourced figure and is not included. Parts of St. Cloud may carry community development district charges on the tax bill; they are not included.
- The city's trash fee is $38.64 a month from October 1, 2026. The city's stormwater fee, $13.10 per ERU from October 1, 2026 (a single-family house is 1.0 ERU), — city stormwater fees are included on Toho’s bill — but the official page does not state its billing period, so it is not included and the total is understated by about that much.
- Electricity: the PDF's GSND column (7.645¢) is a different, non-residential schedule; OUC's new DemandLevel charge starts with the November 2026 bill, so bills from then on may differ.
- Stormwater fee is not in the monthly total because the city page does not state a billing period.
- Nothing here is legal, tax or insurance advice.
How St. Cloud compares
A typical St. Cloud house against the 76 Florida cities we cover, using the same default numbers as the total above.
| Per year | St. Cloud | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 1.79% | 1.79% | higher than 38 of the other 75 Florida cities we cover |
| Water | $315 | $466 | lower than 61 of the other 75 Florida cities we cover |
| Sewer and utility-bill fees | $820 | $836 | lower than 39 of the other 74 Florida cities we cover |
| Trash | $464 | $369 | higher than 54 of the other 72 Florida cities we cover |
| Electricity and gas | $1,855 | $1,953 | lower than 52 of the other 75 Florida cities we cover |
| Total | $9,057 | $12,804 | lower than 72 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. Water
The fact: Water here costs about $315 a year at typical use, lower than 61 of the other 75 Florida cities we cover.
Ask: "Water here costs about $315 a year at typical use, lower than 61 of the other 75 Florida cities we cover. What drives that cost, and would you change anything?"
2. Trash
The fact: Trash pickup here costs about $464 a year for the standard cart, higher than 54 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 $464 a year for the standard cart, higher than 54 of the other 72 Florida cities we cover. What drives that cost, and would you change anything about the service or the price?"
Common questions about St. Cloud house costs
What is the property tax rate in St. Cloud?
About 1.79% of the value before exemptions a year (2026 tax year, Osceola County final millage, St. Cloud (millage code 100)), plus flat charges on the same bill.
How much is property tax on a $500,000 house in St. Cloud?
About $8,173 a year on $500,000 of the value before exemptions with the homestead exemption.
How much is the water bill in St. Cloud?
About $95 a month for water and sewer at typical use (7,000 gallons a month) on Toho Water Authority (St. Cloud).
How much does trash pickup cost in St. Cloud?
$39 a month for a house.
How much does a house in St. Cloud cost to run each year?
A St. Cloud house at the typical market value ($356,200) costs about $9,100 a year: $5,600 property tax and charges, $1,140 water and sewer, $460 trash, $1,850 electricity; home insurance is not included (no typical premium yet). Estimated from public rates, not anyone's actual bill.