Winter Springs, FL · Updated Oct 2026

What a Winter Springs 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 Winter Springs house

$13,006a year · $1,084 a month

Starts at the typical market value, $378,700; your assessed value is often lower. Typical use.

A Winter Springs house at the typical market value ($378,700) pays about $13,000 a year: $5,400 property tax and charges, $1,670 water and sewer, $360 trash, $2,030 electricity, $3,550 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 $50,000 off Seminole County taxes$50,000 off county taxes
Seminole County homeowners 65 or older on January 1 with household income under the state limit can get an extra exemption of $50,000 on Seminole County taxes; it does not apply to school district taxes. For the 2026 tax year the 2025 income limit is $38,686. You must have the homestead exemption.
How: Apply to the Seminole County Property Appraiser by March 1.
$5,000 exemptions for surviving spouses and totally and permanently disabled owners$5,000 off assessed value
The Seminole County Property Appraiser lists a $5,000 reduction in assessed value for a widow or widower (the surviving spouse) and a $5,000 reduction for a totally and permanently disabled owner.
How: For the disability exemption, submit a completed Physician's Certificate (DR-416) from a licensed Florida physician; the widow/widower exemption needs a copy of the death certificate.
Veterans with a service-connected disability: exemptions$5,000 off, or tax exempt
Veterans with a 10% to 100% service-connected disability can get $5,000 off the assessed value. Honorably discharged veterans with a 100% total and permanent service-connected disability who have the homestead exemption can be tax exempt.
How: Submit a completed application and a letter from the Veteran's Administration; completed applications can also be sent by email to exemptions@scpafl.org.
Pay your tax bill in November for 4% off4% off the bill
Seminole County tax bills go out in November. Paying in November takes 4% off; the discount is 3% in December, 2% in January and 1% in February.
How: Pay the Seminole County Tax Collector online or by mail in November.
Free bulk pickup
Waste Pro collects bulk items such as appliances and furniture free of charge, usually on your second pickup day.
How: Schedule it with the request form on Waste Pro's Winter Springs page, or call the City of Winter Springs at 407-327-5996.
Water the lawn with reclaimed waterLower rate, no sewer fee
Where the city has reclaimed water lines, reclaimed water for lawn irrigation is charged at a lower rate than potable water and sewer fees are not charged. Reclaimed customers may irrigate 2 days a week all year.
How: Call City of Winter Springs Utility Billing at 407-327-5996.
Free irrigation audit
The City of Winter Springs offers a free irrigation audit to help you water efficiently and reduce your monthly water bill.
How: Call the city at 407-327-1800 to schedule one.

Money dates

Mar 1Deadline to file for the homestead exemption with the Seminole County Property Appraiser.
Apr 1Taxes not paid by March 31 become delinquent on April 1.
NovSeminole County property tax bills go out in November; paying in November takes 4% off (3% December, 2% January, 1% February, none in March).

Who serves this house

Water: City of Winter Springs; City of Winter Springs residential rates as of billing October 1, 2026, for a 3/4" meter: a monthly base facility charge plus tiered charges per 1,000 gallons; water charges are subject to a 10% utility tax
Property tax: 1.61% of value; 2026 tax year (fiscal year 2026-27), Seminole County final millage, taxing authority code W1/W2 (Winter Springs)
Garbage: Waste Pro, city franchise; $30.17 a month as of October 1, 2026; one 96-gallon cart
Sewer: City of Winter Springs; $26.02 a month plus $10.16 per 1,000 gallons, charged only on the first 10,000 gallons
Electricity: Duke Energy Florida; Residential Service (RS-1): $14.43 customer charge a month plus per-kWh charges (effective October 1, 2026)
Schools: Seminole County Public Schools; 5.2310 mills for 2026-27

Pay or manage your bills

Your water

Source: Groundwater from the Floridan Aquifer, pumped from 8 wells around the city and treated with aeration and chlorine.
Hardness: Average hardness of 150 mg/l, or 8 grains.
PFAS: 2025 monitoring for unregulated contaminants found PFOA at up to 0.0056 ppb and PFOS at up to 0.0075 ppb.
Standards: The city reports that the drinking water it produced in 2025 met or exceeded all federal and state water quality regulations.

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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: 16.0663 mills in total for Winter Springs (Seminole County Property Appraiser final 2026 millage rates): Seminole County 5.3751 and the county Fire Protection District 2.7649 (the fire district covers Winter Springs), Seminole County Public Schools 5.2310 (2.9830 required local effort plus 2.2480 discretionary), City of Winter Springs 2.5160 (the rolled-back rate, adopted September 28, 2026) and the St. Johns River Water Management District 0.1793.
Homestead takes $25,000 off all taxes and up to $26,411 more off non-school taxes (we apply the full $26,411, which every home assessed at $76,411 or more gets). The typical value is the Census median market value; the Save Our Homes cap keeps many homesteads' assessed value lower.
No flat yearly charges are added for a typical Winter Springs home: garbage and stormwater are monthly City of Winter Springs charges, and fire is the county fire district millage. Homes in the Tuscawilla Lighting and Beautification District, Oak Forest Wall and Beautification District or Tuscawilla Phase III areas pay an extra yearly district charge on the tax bill that is not included.
Water, sewer, garbage and stormwater (City of Winter Springs, as of billing October 1, 2026): water $10.48 a month plus $2.44 to $10.49 per 1,000 gallons in six tiers, with the 10% utility tax on water charges added to each rate; sewer $26.02 a month plus $10.16 per 1,000 gallons on the first 10,000 gallons; garbage $30.17 a month; stormwater $15.00 a month per ERU, assuming one ERU for a single-family home. Separate reclaimed or irrigation meters are not included.
Electricity: Duke Energy Florida RS-1 effective October 1, 2026, $14.43 a month plus per-kWh charges; the non-fuel energy charge is a weighted average of 3 winter months (December through February) and 9 months March through November, plus the BA-1 fuel charge (4.127¢ up to 1,000 kWh, 5.197¢ above) and cost recovery factors. Taxes and fees Duke adds to the bill are not included. Typical use, 1,104 kWh a month, is EIA's 2024 Florida residential average. Insurance: Florida OIR's Seminole County average homeowners premium with wind coverage ($3,545, March 2026); flood insurance is a separate policy and is not included.
Nothing here is legal, tax or insurance advice.

Sources

How Winter Springs compares

A typical Winter Springs house against the 53 Florida cities we cover, using the same default numbers as the total above.

Per year	Winter Springs	Median	Where it falls
Property tax rate	1.61%	1.78%	lower than 41 of the other 52 Florida cities we cover
Water	$355	$515	lower than 43 of the other 52 Florida cities we cover
Sewer and utility-bill fees	$1,313	$901	higher than 46 of the other 51 Florida cities we cover
Trash	$362	$364	lower than 26 of the other 51 Florida cities we cover
Electricity and gas	$2,035	$1,953	higher than 41 of the other 52 Florida cities we cover
Home insurance	$3,545	$3,733	lower than 29 of the other 51 Florida cities we cover
Total	$13,006	$12,935	higher than 27 of the other 52 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: Winter Springs's property tax rate is 1.61%, lower than 41 of the other 52 Florida cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Winter Springs is 1.61%, lower than 41 of the other 52 Florida cities we cover. What should that money pay for first, and would you change anything about how it is set?"

2. Water

The fact: Water here costs about $355 a year at typical use, lower than 43 of the other 52 Florida cities we cover.

Ask: "Water here costs about $355 a year at typical use, lower than 43 of the other 52 Florida cities we cover. What drives that cost, and would you change anything?"

3. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $1,313 a year, higher than 46 of the other 51 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 $1,313 a year, higher than 46 of the other 51 Florida cities we cover. What drives that cost, and would you change anything?"

4. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,035 a year, higher than 41 of the other 52 Florida cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,035 a year for a typical house, higher than 41 of the other 52 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 Winter Springs house costs

What is the property tax rate in Winter Springs?

About 1.61% of the value before exemptions a year (2026 tax year (fiscal year 2026-27), Seminole County final millage, taxing authority code W1/W2 (Winter Springs)), plus flat charges on the same bill.

How much is property tax on a $500,000 house in Winter Springs?

About $7,345 a year on $500,000 of the value before exemptions with the homestead exemption.

How much is the water bill in Winter Springs?

About $139 a month for water and sewer at typical use (7,000 gallons a month) on City of Winter Springs.

How much does trash pickup cost in Winter Springs?

$30 a month for a house.

Can seniors lower their property tax or bills in Winter Springs?

Yes. Seniors 65+ with limited income: extra $50,000 off Seminole County taxes: Seminole County homeowners 65 or older on January 1 with household income under the state limit can get an extra exemption of $50,000 on Seminole County taxes; it does not apply to school district taxes. For the 2026 tax year the 2025 income limit is $38,686. You must have the homestead exemption.

How much does a house in Winter Springs cost to run each year?

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