Florida cost to own a home by county
Monthly PITI benchmarks for Florida counties, built from county median home values, ACS property-tax estimates, and modeled homeowners insurance.
Florida overview
Across 67 published counties, the average monthly carrying-cost benchmark is $1,893/mo. The county range runs from $718/mo to $4,886/mo under the shared assumptions.
Mixed confidence Property-tax inputs are Medium confidence county ACS estimates. Insurance inputs are Low confidence modeled budgets because carrier quotes are property-specific.
County monthly carrying-cost table
| County | Median home | Property tax | Insurance | P&I | Estimated total |
|---|---|---|---|---|---|
| Holmes County, Florida | $110,200 | $600/yr | $1,332/yr | $557/mo | $718/mo |
| Hamilton County, Florida | $111,200 | $816/yr | $1,264/yr | $562/mo | $736/mo |
| Taylor County, Florida | $114,600 | $750/yr | $1,504/yr | $579/mo | $767/mo |
| Madison County, Florida | $116,200 | $965/yr | $1,311/yr | $588/mo | $777/mo |
| Jackson County, Florida | $120,800 | $609/yr | $1,614/yr | $611/mo | $796/mo |
| Liberty County, Florida | $127,300 | $1,152/yr | $939/yr | $644/mo | $818/mo |
| Dixie County, Florida | $132,000 | $813/yr | $1,183/yr | $667/mo | $834/mo |
| Glades County, Florida | $137,000 | $1,170/yr | $1,317/yr | $693/mo | $900/mo |
| Calhoun County, Florida | $145,300 | $734/yr | $1,352/yr | $735/mo | $909/mo |
| Lafayette County, Florida | $157,200 | $863/yr | $1,109/yr | $795/mo | $959/mo |
| Hardee County, Florida | $153,600 | $1,264/yr | $1,718/yr | $777/mo | $1,025/mo |
| Union County, Florida | $169,500 | $980/yr | $1,130/yr | $857/mo | $1,033/mo |
| Putnam County, Florida | $160,300 | $1,249/yr | $1,925/yr | $811/mo | $1,075/mo |
| Washington County, Florida | $171,000 | $792/yr | $1,784/yr | $865/mo | $1,079/mo |
| Gadsden County, Florida | $174,900 | $927/yr | $2,000/yr | $884/mo | $1,128/mo |
| Suwannee County, Florida | $171,600 | $1,213/yr | $1,949/yr | $868/mo | $1,131/mo |
| DeSoto County, Florida | $174,100 | $1,447/yr | $2,116/yr | $880/mo | $1,177/mo |
| Levy County, Florida | $190,600 | $1,201/yr | $2,087/yr | $964/mo | $1,238/mo |
| Gilchrist County, Florida | $199,900 | $1,302/yr | $1,597/yr | $1,011/mo | $1,252/mo |
| Highlands County, Florida | $187,900 | $1,353/yr | $2,398/yr | $950/mo | $1,263/mo |
| Columbia County, Florida | $194,900 | $1,434/yr | $2,189/yr | $986/mo | $1,287/mo |
| Okeechobee County, Florida | $193,000 | $1,423/yr | $2,325/yr | $976/mo | $1,288/mo |
| Bradford County, Florida | $212,500 | $1,164/yr | $1,844/yr | $1,075/mo | $1,325/mo |
| Jefferson County, Florida | $232,600 | $1,439/yr | $2,057/yr | $1,176/mo | $1,467/mo |
| Hendry County, Florida | $219,200 | $1,756/yr | $2,614/yr | $1,108/mo | $1,473/mo |
| Baker County, Florida | $256,700 | $1,631/yr | $1,758/yr | $1,298/mo | $1,580/mo |
| Gulf County, Florida | $250,000 | $1,578/yr | $2,610/yr | $1,264/mo | $1,613/mo |
| Citrus County, Florida | $245,500 | $1,430/yr | $3,232/yr | $1,241/mo | $1,630/mo |
| Wakulla County, Florida | $258,300 | $1,642/yr | $2,439/yr | $1,306/mo | $1,646/mo |
| Marion County, Florida | $243,100 | $1,806/yr | $3,201/yr | $1,229/mo | $1,647/mo |
| Escambia County, Florida | $257,200 | $1,495/yr | $3,395/yr | $1,301/mo | $1,708/mo |
| Franklin County, Florida | $273,300 | $1,728/yr | $2,577/yr | $1,382/mo | $1,741/mo |
| Polk County, Florida | $266,500 | $1,933/yr | $3,547/yr | $1,348/mo | $1,804/mo |
| Hernando County, Florida | $276,000 | $1,858/yr | $3,490/yr | $1,396/mo | $1,841/mo |
| Alachua County, Florida | $288,800 | $2,773/yr | $3,705/yr | $1,460/mo | $2,000/mo |
| Pasco County, Florida | $300,900 | $2,206/yr | $3,992/yr | $1,522/mo | $2,038/mo |
| Leon County, Florida | $301,800 | $2,397/yr | $3,942/yr | $1,526/mo | $2,054/mo |
| Bay County, Florida | $310,500 | $1,807/yr | $4,075/yr | $1,570/mo | $2,060/mo |
| Duval County, Florida | $303,500 | $2,264/yr | $4,055/yr | $1,535/mo | $2,061/mo |
| Clay County, Florida | $312,500 | $2,241/yr | $3,785/yr | $1,580/mo | $2,082/mo |
| Volusia County, Florida | $313,000 | $2,395/yr | $4,158/yr | $1,583/mo | $2,129/mo |
| Lake County, Florida | $318,400 | $2,433/yr | $4,124/yr | $1,610/mo | $2,156/mo |
| Santa Rosa County, Florida | $329,800 | $1,891/yr | $4,196/yr | $1,668/mo | $2,175/mo |
| Charlotte County, Florida | $328,900 | $2,785/yr | $4,344/yr | $1,663/mo | $2,257/mo |
| Brevard County, Florida | $339,600 | $2,311/yr | $4,570/yr | $1,717/mo | $2,291/mo |
| Okaloosa County, Florida | $351,200 | $2,011/yr | $4,563/yr | $1,776/mo | $2,324/mo |
| Indian River County, Florida | $351,500 | $2,436/yr | $4,654/yr | $1,777/mo | $2,368/mo |
| Osceola County, Florida | $353,300 | $2,700/yr | $4,577/yr | $1,786/mo | $2,393/mo |
| Pinellas County, Florida | $355,100 | $2,474/yr | $4,773/yr | $1,796/mo | $2,400/mo |
| St. Lucie County, Florida | $347,300 | $3,241/yr | $4,610/yr | $1,756/mo | $2,410/mo |
| Flagler County, Florida | $364,900 | $2,789/yr | $4,467/yr | $1,845/mo | $2,450/mo |
| Lee County, Florida | $362,200 | $2,858/yr | $4,892/yr | $1,831/mo | $2,477/mo |
| Nassau County, Florida | $382,800 | $2,699/yr | $3,990/yr | $1,936/mo | $2,493/mo |
| Hillsborough County, Florida | $371,500 | $3,010/yr | $5,011/yr | $1,879/mo | $2,547/mo |
| Seminole County, Florida | $386,900 | $2,599/yr | $4,997/yr | $1,956/mo | $2,589/mo |
| Sumter County, Florida | $385,400 | $3,014/yr | $4,863/yr | $1,949/mo | $2,605/mo |
| Orange County, Florida | $390,100 | $2,967/yr | $5,250/yr | $1,973/mo | $2,657/mo |
| Manatee County, Florida | $391,400 | $3,047/yr | $5,240/yr | $1,979/mo | $2,670/mo |
| Walton County, Florida | $425,100 | $1,902/yr | $5,396/yr | $2,150/mo | $2,758/mo |
| Sarasota County, Florida | $411,800 | $3,106/yr | $5,533/yr | $2,082/mo | $2,802/mo |
| Broward County, Florida | $414,600 | $3,890/yr | $5,612/yr | $2,096/mo | $2,888/mo |
| Martin County, Florida | $432,200 | $3,322/yr | $5,670/yr | $2,185/mo | $2,935/mo |
| Palm Beach County, Florida | $447,300 | $3,858/yr | $6,046/yr | $2,262/mo | $3,087/mo |
| Miami-Dade County, Florida | $463,000 | $3,744/yr | $6,273/yr | $2,341/mo | $3,176/mo |
| St. Johns County, Florida | $489,200 | $3,721/yr | $6,169/yr | $2,474/mo | $3,298/mo |
| Collier County, Florida | $540,700 | $3,386/yr | $7,297/yr | $2,734/mo | $3,624/mo |
| Monroe County, Florida | $780,600 | $4,129/yr | $7,136/yr | $3,947/mo | $4,886/mo |
How to use this page
Use this page to shortlist counties where the monthly carrying cost fits the budget, then open the county page to inspect source attribution, confidence, local comparisons, and the editable calculator. This is a planning benchmark, not a mortgage offer or insurance quote.
Sources: U.S. Census ACS, NAIC Homeowners Insurance Report, and FEMA National Risk Index. Data as of 2024-12-31.