Cost to own a home by county
A buyer-oriented view of monthly carrying cost: principal and interest, property tax, and homeowners insurance at each county's median home value.
Why this is the TrueCarry core
Searchers rarely need a tax rate in isolation. They need to know what the home costs to carry every month, and whether a lower purchase price is offset by tax or insurance. This hub connects the county tax pages, insurance pages, PITI assumptions, and affordability limits into one crawlable topic cluster.
Mixed confidence Property-tax inputs are Medium confidence ACS county estimates. Insurance is Low confidence because it starts from public state averages and FEMA risk context, not carrier quotes.
Browse cost to own by state
- Arizona cost to own by county $1,586/mo average across 15 counties
- California cost to own by county $3,601/mo average across 58 counties
- Florida cost to own by county $1,893/mo average across 67 counties
- Georgia cost to own by county $1,288/mo average across 158 counties
- Illinois cost to own by county $1,143/mo average across 102 counties
- Michigan cost to own by county $1,278/mo average across 83 counties
- New Jersey cost to own by county $3,044/mo average across 21 counties
- New York cost to own by county $2,017/mo average across 62 counties
- North Carolina cost to own by county $1,481/mo average across 100 counties
- Ohio cost to own by county $1,272/mo average across 88 counties
- Pennsylvania cost to own by county $1,410/mo average across 67 counties
- Texas cost to own by county $1,348/mo average across 250 counties
- Virginia cost to own by county $1,771/mo average across 133 counties
- Washington cost to own by county $2,594/mo average across 39 counties
Lower monthly carrying-cost counties
- King County, Texas $371/mo estimated PITI at the county median home value
- Stonewall County, Texas $381/mo estimated PITI at the county median home value
- Cochran County, Texas $388/mo estimated PITI at the county median home value
- Apache County, Arizona $422/mo estimated PITI at the county median home value
- Cottle County, Texas $426/mo estimated PITI at the county median home value
- Warren County, Georgia $444/mo estimated PITI at the county median home value
- Alexander County, Illinois $446/mo estimated PITI at the county median home value
- Hudspeth County, Texas $452/mo estimated PITI at the county median home value
- Stewart County, Georgia $457/mo estimated PITI at the county median home value
- Taliaferro County, Georgia $465/mo estimated PITI at the county median home value
Higher monthly carrying-cost counties
- San Mateo County, California $9,026/mo estimated PITI at the county median home value
- Marin County, California $8,796/mo estimated PITI at the county median home value
- Santa Clara County, California $8,718/mo estimated PITI at the county median home value
- San Francisco County, California $8,220/mo estimated PITI at the county median home value
- New York County, New York $6,725/mo estimated PITI at the county median home value
- Alameda County, California $6,566/mo estimated PITI at the county median home value
- Falls Church city, Virginia $6,307/mo estimated PITI at the county median home value
- Santa Cruz County, California $6,084/mo estimated PITI at the county median home value
- Orange County, California $5,743/mo estimated PITI at the county median home value
- Kings County, New York $5,486/mo estimated PITI at the county median home value
Method and assumptions
Monthly cost uses the county median home value, 20% down, a 6.5% assumed fixed rate, and a 30-year term. For example, a $300,000 home at 20% down is modeled with a $240,000 loan before property tax and insurance are added. It includes principal, interest, estimated property tax, and modeled homeowners insurance when available. It does not include HOA dues, utilities, repairs, flood coverage, closing costs, or buyer-specific underwriting.
Sources: U.S. Census ACS, NAIC Homeowners Insurance Report, and FEMA National Risk Index. Data as of 2024-12-31.