Temple Terrace, FL · Updated Oct 2026

What a Temple Terrace house pays

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Sent only to free public map services to find who serves it. Not stored unless you save your house.

Example · a Temple Terrace house

$13,141a year · $1,095 a month

Starts at the typical market value, $334,800; your assessed value is often lower. Typical use.

Property tax$5,672
1.942% of $334,800, less $25,000 homestead exemption and less $26,411 additional homestead exemption
Electricity$2,234
1104 kWh a month $2,031 · Temple Terrace public service tax $203
Water and sewer$1,264
5,000 gallons a month on City of Temple Terrace: water $28, sewer $78 a month
Trash$445
Residential service (one flat rate), $37 a month
Home insurance$3,525
Typical premium $3,525

A Temple Terrace house at the typical market value ($334,800) pays about $13,100 a year: $5,670 property tax and charges, $1,260 water and sewer, $450 trash, $2,230 electricity, $3,530 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+: lower trash rate$23.68 a month instead of $37.12
Temple Terrace's senior residential trash rate is $23.68 a month instead of $37.12. The account holder must be 65 or older, the account must be in the senior's name, and it must be for a single-family home.
How: Submit the Solid Waste Disposal Senior Citizen Discount Application online, or print it and drop it in the payment box at City Hall.
Seniors 65+ with limited income: up to $25,000 off city taxesUp to $25,000 off city taxes
Temple Terrace allows the low-income senior exemption on its city taxes, up to $25,000 of value. At least one owner must be 65 on January 1, the home must have the homestead exemption, and household income must be within the annual limit.
How: Apply to the Hillsborough County Property Appraiser by March 1; it renews each year while the income limit is met.
Veterans with a service-connected disability: exemptions$5,000 off
A service-connected disability of less than 100% gets $5,000 off; a separate exemption covers veterans with a service-connected total and permanent disability.
How: Apply to the Hillsborough County Property Appraiser with a current letter from the U.S. Government or Veterans Affairs showing the percent of disability and award date.
Widows, widowers, blind or permanently disabled owners: $5,000 off$5,000 off
Each of these exemptions takes $5,000 off the value taxed.
How: Apply to the Hillsborough County Property Appraiser.
One free bulk pickup a year
The City provides a once-a-year bulk pickup for larger items for most residents with active utility accounts. It does not cover construction debris, tires, household hazardous waste or large trees.
How: Place items at the curb, then call Temple Terrace Public Works at (813) 506-6570.

Money dates

Nov 1in 9 daysProperty tax bills become payable November 1; paying early earns a 4% discount in November, 3% in December, 2% in January and 1% in February.
Mar 1Deadline to file for the homestead exemption for that year with the Hillsborough County Property Appraiser.
Apr 1Taxes are due in full by March 31; unpaid taxes become delinquent April 1, when 3% interest and advertising costs are added.

Who serves this house

Water: City of Temple Terrace; City of Temple Terrace inside-city residential rates effective October 1, 2026: a billing charge per bill and a minimum charge for a 5/8" or 3/4" meter, plus a charge per 1,000 gallons up to 8,000 gallons and a higher charge above 8,000 gallons. A 10% utility tax applies to all water charges within City limits, and the rate schedule lists a water utility tax of $0.10 per 1,000 gallons.
Property tax: 1.94% of value; 2026 tax year (fiscal year 2026-27), Hillsborough County tax district TT (City of Temple Terrace)
Garbage: City of Temple Terrace Sanitation Division; Residential trash collection is $37.12 a month; residential services include twice-weekly collection and weekly curbside recycling
Sewer: City of Temple Terrace; $5.30 a month plus $14.48 per 1,000 gallons, with no cap; the City contracts with the City of Tampa for sewer services
Gas: Utility gas; 94 of 5,860 owner-occupied homes in Temple Terrace heat with utility gas; 5,713 heat with electricity (Census ACS 2020-2024)
Schools: Hillsborough County Public Schools; 6.3340 mills for 2026-27: 3.0860 required local effort, 0.7480 discretionary, 1.0000 voted, 1.5000 local capital improvement

Pay or manage your bills

Your water

Source: Water comes from 10 wells in the Floridan aquifer and is treated at two water treatment plants with aeration, lime softening, filtration and chlorination.
PFAS: March 2025 testing under EPA's UCMR 5 found PFOS and PFOA above the maximum level set to be enforceable in 2031.
Violation: In 2024, 3 samples first showed possible total coliform; staff did not take the full number of required follow-up samples, which the Florida Department of Health flagged as a monitoring violation. No sample showed E. coli, and follow-up samples showed no total coliform.

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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: 19.4244 mills in total for the 2026 tax year in Hillsborough County tax district TT: City of Temple Terrace 6.4550 (Ordinance 1603, adopted September 17, 2026); Hillsborough County 5.3608 general revenue and 0.0604 environmentally sensitive lands (the county's September 24, 2026 final-hearing resolution); Hillsborough County Public Schools 6.3340 (3.0860 required local effort, 0.7480 discretionary, 1.5000 capital, 1.0000 voted; adopted September 15, 2026); Southwest Florida Water Management District 0.1831; Children's Board 0.4589 (adopted September 14, 2026). For Port Tampa Bay (0.0722) and HART transit (0.5000) we use the proposed 2026 rates printed on the 2026 TRIM notice for a city-owned Temple Terrace parcel; we did not find their final adoption documents. Temple Terrace parcels do not pay the county's unincorporated-area or library levies. The Hillsborough Property Appraiser's 2026 final millage table is not published yet.
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 Temple Terrace ($334,800); the Property Appraiser publishes no city median assessed value, and Save Our Homes keeps most long-held homesteads' assessed values below market, so enter your assessed value for a closer figure. We found no flat yearly charges on a typical Temple Terrace tax bill: trash is on the city utility bill, and the city has no stormwater fee (its FY 2026 budget lists creating a stormwater assessment as a possible future strategy). A small district where the city provides extra services adds a charge for some parcels; it is not included.
Water and sewer: City of Temple Terrace inside-city residential rates effective October 1, 2026 (a 15% increase, Resolution 100-26). Water: $4.43 billing charge plus $5.30 for a 5/8" or 3/4" meter, and $2.99 per 1,000 gallons up to 8,000 gallons and $4.99 above; we add the 10% utility tax to all water charges and the $0.10 per 1,000 gallons water utility tax, giving $10.70 a month plus $3.39 and $5.59 per 1,000 gallons. The wastewater table also lists a $0.10 per 1,000 gallons water utility tax; we count it once. Wastewater: $5.30 a month plus $14.48 per 1,000 gallons, no cap. The page starts at 5,000 gallons a month (6.68 CCF), the use in the city's average residential bill example; a separate irrigation meter is not included. Garbage: $37.12 a month, the 2025-2026 residential rate (no sanitation increase was budgeted for FY 27).
Electricity: Tampa Electric Rate Schedule RS (tariff sheets in force October 2026), $0.45 a day ($13.69 a month) plus a year-round per-kWh rate of 13.902¢ up to 1,000 kWh and 15.902¢ above: energy and demand 8.948¢/9.948¢, fuel 3.210¢/4.210¢, capacity 0.264¢, environmental 0.087¢, energy conservation 0.270¢, storm protection plan 0.717¢ and clean energy transition 0.406¢. RS has no seasonal rates, and the 2025 storm surcharge ended with August 2026. We add Temple Terrace's 10% public service tax to the whole electric bill; Florida law keeps most of the fuel charge out of that tax, so this slightly overstates it. TECO's franchise fee (its Temple Terrace franchise runs to 2047) and the 2.5641% state gross receipts tax are not included. Typical use, 1,104 kWh a month, is EIA's 2024 Florida residential average.
Gas is not modeled: 94 of 5,860 owner-occupied Temple Terrace homes heat with utility gas (Census). Insurance: Florida OIR's Hillsborough County average homeowners premium with wind coverage ($3,525, 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

Common questions about Temple Terrace house costs

What is the property tax rate in Temple Terrace?

About 1.94% of the value before exemptions a year (2026 tax year (fiscal year 2026-27), Hillsborough County tax district TT (City of Temple Terrace)), plus flat charges on the same bill.

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

About $8,881 a year on $500,000 of the value before exemptions with the homestead exemption.

How much is the water bill in Temple Terrace?

About $105 a month for water and sewer at typical use (5,000 gallons a month) on City of Temple Terrace.

How much does trash pickup cost in Temple Terrace?

$37 a month for a house.

Can seniors lower their property tax or bills in Temple Terrace?

Yes. Seniors 65+: lower trash rate: Temple Terrace's senior residential trash rate is $23.68 a month instead of $37.12. The account holder must be 65 or older, the account must be in the senior's name, and it must be for a single-family home.

Where can I get help paying utility bills in Temple Terrace?

Seniors 65+ with limited income: up to $25,000 off city taxes: Temple Terrace allows the low-income senior exemption on its city taxes, up to $25,000 of value. At least one owner must be 65 on January 1, the home must have the homestead exemption, and household income must be within the annual limit. Apply to the Hillsborough County Property Appraiser by March 1; it renews each year while the income limit is met.

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

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