St. Petersburg, FL · Updated Oct 2026

What a St. Petersburg 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 St. Petersburg house

$14,882a year · $1,240 a month

Starts at the typical market value, $371,100; your assessed value is often lower. Typical use.

A St. Petersburg house at the typical market value ($371,100) costs about $14,900 a year: $6,510 property tax and charges, $1,650 water and sewer, $470 trash, $2,190 electricity, $4,060 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:

Seniors 65+ with limited income: extra $15,000 off St. Petersburg city taxes$15,000 off city taxes (about $97)
St. Petersburg offers the low-income senior exemption: $15,000 off the value taxed by the city, which the Property Appraiser puts at about $97. At least one owner must be 65 on January 1, have homestead, and have household income at or under the 2026 limit of $38,686.
How: Apply to the Pinellas County Property Appraiser by March 1; income information is due by June 1.
Seniors 65+ in the same home 25 years: city taxes can be exemptNo city property tax
St. Petersburg has adopted the long-term resident senior exemption: it exempts the assessed value from city taxes if the just value is under $250,000, the owner is 65+, has lived there at least 25 years, and meets the low-income senior income limit. School taxes and independent districts are not exempted.
How: Apply to the Pinellas County Property Appraiser.
Veterans with a service-connected disability: exemptions$5,000 off, or no property tax on the homestead
Honorably discharged veterans with a service-connected disability of 10% or more can get $5,000 off; veterans with a service-connected total and permanent disability are exempt on their homestead.
How: Apply to the Pinellas County Property Appraiser with a letter from the U.S. Government or Veterans Affairs.
Check your stormwater tier
Your stormwater fee is set by your impervious surface area. You can view your measurement in the Stormwater Review and Appeals Portal and appeal if you think it is wrong; rebates and credits are also available to single-family customers.
How: Use the Stormwater Review and Appeals Portal, email stormwater.appeals@stpete.org or call 727-893-7280.
Toilet rebate: $40 to $100$40 to $100 rebate
Tampa Bay Water offers St. Pete residents rebates from $40 to $100 for replacing existing toilets with high-efficiency toilets.
How: See tampabaywaterwise.org.

Money dates

Nov 1in 8 daysProperty tax notices are mailed by November 1; paying from November through February earns an early-payment discount.
Mar 1Deadline to apply for the homestead exemption for that year with the Pinellas County Property Appraiser.
Apr 1Taxes not paid by March 31 become delinquent on April 1, when interest and penalties are added.
Jun 1Deadline to give the Property Appraiser income information for the low-income senior exemption (the application itself is due March 1).

Who serves this house

Water: City of St. Petersburg Water Resources; City of St. Petersburg rates effective Oct. 1, 2026 - Sept. 30, 2027: a monthly base charge by meter size ($11.83 for a 5/8” x 3/4” meter), single-family volume charges per 1,000 gallons that rise after the first 3,500, 7,000 and 10,500 gallons, plus the Tampa Bay Water cost of $2.66 per 1,000 gallons on all water; water rates are subject to a 10% utility tax within the city limits
Property tax: 1.98% of value; 2026 tax year (fiscal year 2026-27), City of St. Petersburg, Pinellas County
Garbage: City of St. Petersburg Sanitation; Single-family homes: $34.29 a month for twice-weekly trash collection plus $4.53 a month for recycling, on the city utility bill
Sewer: City of St. Petersburg; Wastewater: $30.40 a month for a 5/8” x 3/4” meter plus $11.72 per 1,000 gallons of water registered on the meter
Electricity: Duke Energy Florida; Residential Service (RS-1, tariff sheet 6.120): $14.43 customer charge a month
Gas: Utility gas; 4,600 of 74,915 owner-occupied homes in St. Petersburg heat with utility gas; 67,503 heat with electricity (Census ACS 2020-2024)
Schools: Pinellas County Schools; 6.2730 mills for 2026-27: 3.0250 required local effort, 0.7480 discretionary, 1.0000 local referendum, 1.5000 capital outlay

Pay or manage your bills

Your water

Source: St. Petersburg is a member of Tampa Bay Water, which supplies all of its drinking water: a blend of groundwater from six well fields, surface water and desalinated water.
Compliance: The 2025 Water Quality Report shows no maximum contaminant level (MCL) violations; E. coli was detected in the distribution system but the city was not in violation of the E. coli MCL.
Lead: 2023 tap-water sampling found a 90th percentile lead level of 1.8 ppb, with no sites over the 15 ppb action level.
Hardness: Hardness averaged 158 mg/L in 2025 monthly samples.

Other FL cities

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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: 19.8345 mills in total for the 2026 tax year (fiscal year 2026-27), final adopted rates: City of St. Petersburg 6.4525; Pinellas County 4.4989 general fund, 0.0713 health department, 0.8050 emergency medical services and 0.0171 Pinellas Planning Council; Pinellas County Schools 6.2730 (3.0250 required local effort, 0.7480 discretionary, 1.0000 local referendum, 1.5000 capital outlay); PSTA transit 0.7168; Juvenile Welfare Board 0.8168; Southwest Florida Water Management District 0.1831. These are the taxing bodies in St. Petersburg's 2025 millage code SP on the Tax Collector's table (the 2026 table is not published yet). A small part of the city is in code SPPW, which adds the Pinellas Park Water Management District; that is not included.
Homestead takes $25,000 off all taxes and up to $26,411 more off non-school taxes (we apply the full $26,411). The starting value is the Census ACS 2020-2024 median market value of owner-occupied homes in St. Petersburg ($371,100); the city does not publish an average assessed value, and Save Our Homes keeps most long-held homesteads' assessed values below market, so enter your assessed value from the Property Appraiser for a closer figure. We found no flat yearly charges on a typical St. Petersburg single-family tax bill; trash, stormwater and sewer are on the city utility bill.
Water: City of St. Petersburg rates from Oct. 1, 2026, $11.83 a month for a 5/8” x 3/4” meter plus, per 1,000 gallons, $4.68 for the first 3,500 gallons, $7.14 for the next 3,500, $16.93 for the next 3,500 and $26.73 above 10,500, each with the Tampa Bay Water cost of $2.66 added and the 10% utility tax applied (so $13.01 a month plus $8.07, $10.78, $21.55 and $32.33 per 1,000 gallons). Wastewater: $30.40 a month plus $11.72 per 1,000 gallons, with no tax. Stormwater: Tier 2 ($25.22 a month), the tier that holds the city's typical single-family impervious area of 2,406 square feet. Garbage: $34.29 twice-weekly trash plus $4.53 recycling. The page starts at the city's typical monthly use of 3,500 gallons (4.68 CCF). Reclaimed water ($46.36 a month where available) is optional and not included.
Electricity: Duke Energy Florida RS-1 from October 1, 2026: non-fuel energy weighted 3 winter months (December-February) and 9 other months, plus the energy conservation, capacity, environmental, asset securitization and storm protection factors (1.733¢) and fuel (4.127¢ up to 1,000 kWh, 5.197¢ above). St. Petersburg's 10% public service tax on electricity (Florida Department of Revenue database) is added to the $14.43 customer charge, the non-fuel charges and the first 0.699¢ of fuel per kWh, as Duke's BA-1 schedule says, giving $15.87 a month plus 14.903¢ per kWh up to 1,000 kWh and 17.021¢ above. Duke's right-of-way (franchise) fee and the state gross receipts tax are not included; St. Petersburg's 30-year Duke franchise agreement expired July 31, 2026. Typical use, 1,104 kWh a month, is EIA's 2024 Florida residential average.
Gas is not modeled: about 6% of St. Petersburg owner-occupied homes heat with utility gas (Census). Insurance: Florida OIR's Pinellas County average homeowners premium with wind coverage ($4,063, data as of March 31, 2026); flood insurance is a separate policy and is not included.
Nothing here is legal, tax or insurance advice.

Sources

How St. Petersburg compares

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

Per year	St. Petersburg	Median	Where it falls
Property tax rate	1.98%	1.80%	higher than 47 of the other 64 Florida cities we cover
Water	$495	$495	in the middle of 64 other Florida cities we cover
Sewer and utility-bill fees	$1,160	$851	higher than 53 of the other 63 Florida cities we cover
Trash	$466	$368	higher than 48 of the other 61 Florida cities we cover
Electricity and gas	$2,191	$1,953	higher than 53 of the other 64 Florida cities we cover
Home insurance	$4,063	$3,733	higher than 34 of the other 63 Florida cities we cover
Total	$14,882	$13,141	higher than 46 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. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $1,160 a year, higher than 53 of the other 63 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 $1,160 a year, higher than 53 of the other 63 Florida cities we cover. What drives that cost, and would you change anything?"

2. Trash

The fact: Trash pickup here costs about $466 a year for the standard cart, higher than 48 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 $466 a year for the standard cart, higher than 48 of the other 61 Florida cities we cover. What drives that cost, and would you change anything about the service or the price?"

3. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,191 a year, higher than 53 of the other 64 Florida cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,191 a year for a typical house, higher than 53 of the other 64 Florida cities we cover. Which parts of that can the city influence, and what would you do about them?"

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Common questions about St. Petersburg house costs

What is the property tax rate in St. Petersburg?

About 1.98% of the value before exemptions a year (2026 tax year (fiscal year 2026-27), City of St. Petersburg, Pinellas County), plus flat charges on the same bill.

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

About $9,063 a year on $500,000 of the value before exemptions with the homestead exemption.

How much is the water bill in St. Petersburg?

About $138 a month for water and sewer at typical use (3,000 gallons a month) on City of St. Petersburg Water Resources.

How much does trash pickup cost in St. Petersburg?

$39 a month for a house.

Can seniors lower their property tax or bills in St. Petersburg?

Yes. Seniors 65+ with limited income: extra $15,000 off St. Petersburg city taxes: St. Petersburg offers the low-income senior exemption: $15,000 off the value taxed by the city, which the Property Appraiser puts at about $97. At least one owner must be 65 on January 1, have homestead, and have household income at or under the 2026 limit of $38,686.

Where can I get help paying utility bills in St. Petersburg?

Seniors 65+ with limited income: extra $15,000 off St. Petersburg city taxes: St. Petersburg offers the low-income senior exemption: $15,000 off the value taxed by the city, which the Property Appraiser puts at about $97. At least one owner must be 65 on January 1, have homestead, and have household income at or under the 2026 limit of $38,686. Apply to the Pinellas County Property Appraiser by March 1; income information is due by June 1.

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

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