Electric Bill Estimator

Wondering what it costs to keep a home cool in SWFL? Enter the square footage or a recent bill for a realistic monthly range..

The Liss Lists Team
Weichert Realtors Agency ONE  •  Southwest Florida
Buyer Tool Electric Bill
What will it cost to run?

Southwest Florida
Electric Bill Estimator

In Florida, air conditioning drives most of your power bill. Enter a home's size or a recent bill to get a realistic monthly range — plus what summer vs. winter really looks like.

sq ft
Living area under air. We estimate usage at ~13 kWh per sq ft per year, typical for an all-electric SWFL home.
$
SWFL is mostly FPL territory, among the lowest rates in the state (~$0.14/kWh all-in in 2026). Adjust if you know the exact rate.
Estimated average
$0 / month
$0
Per year
0
kWh / month
$0
Per sq ft / yr
What the year looks like
Winter (Dec–Feb)
$0
Spring / Fall
$0
Summer (Jun–Sep)
$0

Reading the estimate

This is a ballpark, not a quote. Real bills swing with thermostat habits, pool pumps, number of people home, and home age.
Newer builds run lower. Better insulation, windows, and efficient HVAC in recent SWFL construction can beat these numbers.
For the most accurate picture, ask the seller for the home's last 12 months of FPL usage history and apply today's rate.
Eileen Joyce & Sal Lissandrello, REALTORS®
516-567-7616  •  liss-lists-florida.realestate
North Port • Venice • Port Charlotte • Punta Gorda • Cape Coral • Fort Myers • Naples  |  @TheLissListsTeam
Estimates are for general educational purposes only and are not a guarantee of actual utility costs. Figures use approximate Florida usage and rate assumptions and exclude variations in fixed fees, surcharges, taxes, and individual usage. Confirm actual costs with the utility provider. Equal Housing Opportunity.

Property Tax Guides

Choose your county to see how the "tax reset" works in either Charlotte

 or Sarasota Counties.

Before you read the tax history

Why your property tax bill won't match the listing's

In Florida, a property's tax assessment resets to market value when the home changes hands . The low taxes a long-time owner pays don't transfer to you — so the seller's tax history is one of the most misleading numbers on a listing. Pick your county below.

The "tax reset" at sale — same house, two very different bills
Resets
→
≈ $2,480
/ yr · assessed ~$200k
≈ $5,580
/ yr · assessed ~$450k
Long-time seller
20 yrs homesteaded — capped by Save Our Homes
New buyer (you)
Assessment resets up to market value
Illustrative example at Charlotte County's ~1.24% effective rate. Actual figures vary by property, exemptions and location.
What pushes a tax bill higher

It recently sold

The assessment resets to market value the January after closing — not the seller's old number.

It's not a homestead

Second homes and rentals get no 3% Save Our Homes cap, so their value tracks closer to market.

It's newly built

No accumulated cap cushion yet — new construction is assessed near full market value.

Special districts apply

CDD and MSBU assessments stack on top of the base ad-valorem bill in many communities.

Rule of thumb Estimate your bill off the purchase price — not the seller's history . In Charlotte County, a quick gauge is purchase price × ~1.24% , then adjust down if it'll be your homestead.
The "tax reset" at sale — same house, two very different bills
Resets
→
≈ $2,000
/ yr · assessed ~$200k
≈ $4,500
/ yr · assessed ~$450k
Long-time seller
20 yrs homesteaded — capped by Save Our Homes
New buyer (you)
Assessment resets up to market value
Illustrative example at roughly Sarasota County's ~1.0% effective rate. Actual figures vary by property, exemptions and location.
What pushes a tax bill higher

It recently sold

The assessment resets to market value the January after closing — not the seller's old number.

It's not a homestead

Second homes and rentals get no 3% Save Our Homes cap, so their value tracks closer to market.

It's newly built

No accumulated cap cushion yet — new construction is assessed near full market value.

Special districts apply

Sarasota's rate varies by location; extra fire, library or special districts push some areas above the ~1.0% base.

Rule of thumb Estimate your bill off the purchase price — not the seller's history . In Sarasota County, a quick gauge is purchase price × ~1.0% , then adjust down if it'll be your homestead.
Eileen Joyce & Sal Lissandrello, REALTORS®
516-567-7616 • liss-lists-florida.realestate • @TheLissListsTeam
North Port • Venice • Port Charlotte • Punta Gorda • Cape Coral • Fort Myers • Naples
This guide is general information for educational purposes and is not tax, legal or financial advice. Property tax outcomes depend on the specific parcel, exemptions and taxing district. For exact figures, consult the county Property Appraiser or a qualified tax professional. Equal Housing Opportunity.
The real monthly number

True Cost of Ownership

A mortgage payment is only part of the story in Southwest Florida. Insurance, flood, taxes, and electric add up fast. Enter a few numbers to see a realistic all-in monthly estimate.

Sarasota County: tax and insurance pre-filled with typical local estimates. Edit any field to match a specific home.
$
%
%
% / yr
~1.1% is a typical SWFL starting gauge; adjust for your county/homestead.
$ / yr
SWFL averages ~$4,000/yr; varies with roof age & wind mitigation.
$ / yr
Not in standard policy. ~$400–$900/yr if not in a flood zone; more if you are.
$ / mo
Use our Electric Bill Estimator above for a tailored number.
$ / mo
Common in newer SWFL communities — check the listing.
Estimated all-in monthly cost
$0 / month

Why this matters

In SWFL, insurance + flood + taxes can rival or exceed the mortgage’s principal & interest — budgets built on the loan payment alone fall short.
Wind mitigation & a newer roof can cut insurance 15–40%. Newer SWFL builds often insure for far less than older homes.
This is a planning estimate, not a quote. We can connect you with a local lender and insurance agent for exact figures on a specific home.
Eileen Joyce & Sal Lissandrello, REALTORS®
516-567-7616 • liss-lists-florida.realestate • @TheLissListsTeam
North Port • Venice • Port Charlotte • Punta Gorda • Cape Coral • Fort Myers • Naples
Estimates are for general educational purposes only and are not a guarantee of actual costs, a loan offer, or an insurance quote. Mortgage figures assume a 30-year fixed loan and exclude PMI. Confirm all figures with a licensed lender, insurance agent, and the county Property Appraiser. Equal Housing Opportunity.
Know before you buy

Find Your Evacuation Zone

In Southwest Florida, a home's hurricane evacuation zone matters for insurance, peace of mind, and storm planning. Enter any address below to see its official zone — powered live by the Florida Division of Emergency Management.

Evacuation zone data is provided by the Florida Division of Emergency Management and is for general informational purposes only. Always follow official orders from local emergency management during a storm. Zones can change — verify with your county. The Liss Lists Team • Weichert Realtors Agency ONE.