The water bill is included in the HOA and the electric bill will be around $75.00 to $100.00 a month if you were to run your AC at a comfortable temperature all day. I see that you are from SC, do you plan to visit the area soon? Give me a call at 239.465.3934 or you can email me at firstname.lastname@example.org. My office is located right in the heart of downtown so its a very close trip to see all the towers in Downtown Fort Myers. I hope this info helped!