Sunny Isles Beach, FL · Updated Oct 2026

What a Sunny Isles Beach 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 Sunny Isles Beach house

$14,818a year · $1,235 a month

Starts at $342,662 of value before exemptions. Typical use.

Property tax$5,022
1.664% of $342,662, less $25,000 homestead exemption and less $26,411 additional homestead exemption
Electricity$1,953
1104 kWh a month $1,775 · City of Sunny Isles Beach public service tax $178
Water and sewer$1,167
7,000 gallons a month on NMB Water (City of North Miami Beach): water $36, sewer $61 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 Sunny Isles Beach house costs about $14,800 a year: $5,020 property tax and charges, $1,170 water and sewer, $700 trash, $1,950 electricity, $5,980 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 22, 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 bulky waste pickups a calendar year
Customers of Miami-Dade Solid Waste can schedule two bulky waste pickups each calendar year and use 13 Neighborhood Trash and Recycling Centers.
How: Schedule the pickups with Miami-Dade Solid Waste Management.

Adjust to match your bills

What you know

Value before exemptionsThis median covers all homestead residential parcels in Sunny Isles Beach, mostly condominiums; houses are usually worth more (the average just value is $1,066,539). 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, 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 taxes are due November 1; paying in November takes 4% off (3% in December, 2% in January, 1% in February).
Mar 1Deadline 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.

Who serves this house

Water: NMB Water (City of North Miami Beach); NMB Water single-family residential rates: a minimum charge of $16.33 per billing period for a 5/8 or 3/4-inch meter, plus a usage charge per 1,000 gallons of $4.56 up to 21,000 gallons, $5.07 for 22,000 to 36,000 gallons and $6.32 above 36,000 gallons on the quarterly schedule.
Property tax: 1.66% of value; 2026 tax year (fiscal year 2026-27), Miami-Dade County millage code 3100 (Sunny Isles Beach)
Garbage: Miami-Dade County Department of Solid Waste Management; Garbage twice a week and recycling every other week
Sewer: Miami-Dade County, billed through NMB Water for customers the County serves; Single-family minimum charge for a 5/8 or 3/4-inch meter: $27.39 per quarter (October 1, 2026)
Electricity: Florida Power & Light (FPL); Residential Service (RS-1): $10.52 base charge a month plus per-kWh charges (October 2026)

Pay or manage your bills

Your water

Source: Our source of water for the City of North Miami Beach is ground water pumped from two aquifers called the Biscayne aquifer and the Floridan aquifer.
Lead: A 2025 inventory of all water service lines confirmed that there are no lead service lines in the City’s water system.
PFAS: In 2025, NMB Water tested for lithium and PFAS analytes; all results were below minimum reporting levels.

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How these numbers are made

Property tax: 16.6407 mills in total for Miami-Dade millage code 3100 (Sunny Isles Beach), 2026 adopted rates: City of Sunny Isles Beach 1.6514; 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 Sunny Isles Beach homestead residential property ($342,662). It covers all homestead residential parcels (mostly condominiums), because no single-family-only median is published, so a house is likely higher; the water, sewer and trash lines below are single-family rates, and many condominium associations bundle water and trash into their fees (the average just value is $1,066,539). Homestead exemptions: the standard $25,000 plus the additional exemption (up to $26,411, non-school). The county Residential Solid Waste Collection Fee ($702 a year, full service) is on the tax bill and counted as trash only. The Sunny Isles Beach garbage page still quotes an older $484 fee; the County's 2026-27 roll lists $702 for full service. Special taxing districts or assessments that cover some neighborhoods are not included.
Water: NMB Water single-family rates per quarter ($16.33 minimum for a 3/4-inch meter; $4.56, $5.07 and $6.32 per 1,000 gallons) shown per month by dividing the quarterly minimum and tier breakpoints by 3. NMB Water also lists separate multi-family rates ($14.79 minimum per meter, monthly tiers) that are not used here. The Florida Department of Revenue lists a 10% public service tax on water for Sunny Isles Beach, but it is not added: the page would also apply it to sewer, which that list does not cover (about $43 a year on typical water use is left out).
Sewer: Miami-Dade County's October 1, 2026 single-family sewer rates as shown on NMB Water's page ($27.39 a quarter, then $11.5738 per 1,000 gallons over 6,732 gallons a quarter), shown per month. We could not find a source stating how many Sunny Isles Beach homes are on County sewer rather than a separate sewer arrangement. NMB Water's stormwater page lists $5.27 per equivalent residential unit for Sunny Isles Beach without a billing period, so it is not included. Residents not on County sewer are not covered by this line. Any NMB water-system charges beyond the published rates are not included.
Electricity: FPL RS-1 effective October 2026, $10.52 a month plus 12.258 cents per kWh up to 1,000 kWh and 14.258 cents above; typical use 1,104 kWh a month is Florida's EIA 2024 residential average. Gas is not priced; insurance is the Florida OIR July 2026 Miami-Dade average premium including wind.
Nothing here is legal, tax or insurance advice.

Sources

How Sunny Isles Beach compares

A typical Sunny Isles Beach house against the 65 Florida cities we cover, using the same default numbers as the total above.

Per year	Sunny Isles Beach	Median	Where it falls
Property tax rate	1.66%	1.80%	lower than 46 of the other 64 Florida cities we cover
Water	$434	$495	lower than 43 of the other 64 Florida cities we cover
Sewer and utility-bill fees	$733	$851	lower than 42 of the other 63 Florida cities we cover
Trash	$702	$368	higher than 57 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	$5,975	$3,733	higher than 38 of the other 63 Florida cities we cover
Total	$14,818	$13,141	higher than 45 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. Trash

The fact: Trash pickup here costs about $702 a year for the standard cart, higher than 57 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 $702 a year for the standard cart, higher than 57 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 Sunny Isles Beach house costs

What is the property tax rate in Sunny Isles Beach?

About 1.66% of the value before exemptions a year (2026 tax year (fiscal year 2026-27), Miami-Dade County millage code 3100 (Sunny Isles Beach)), plus flat charges on the same bill.

How much is property tax on a $500,000 house in Sunny Isles Beach?

About $7,640 a year on $500,000 of the value before exemptions with the homestead exemption.

How much is the water bill in Sunny Isles Beach?

About $97 a month for water and sewer at typical use (7,000 gallons a month) on NMB Water (City of North Miami Beach).

How much does trash pickup cost in Sunny Isles Beach?

$59 a month for a house.

When is property tax due in Sunny Isles Beach?

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

Can seniors lower their property tax or bills in Sunny Isles Beach?

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 Sunny Isles Beach cost to run each year?

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