Orange County vs Hillsborough County home carrying costs
Orange vs Hillsborough County carrying costs at the same home price, loan assumptions, and data vintage.
The short answer at $500,000
Orange County has about $263/yr less modeled property tax plus insurance.
That is a budgeting comparison—not a promise about a specific parcel, policy, or loan.
Side-by-side estimate
| Cost | Orange County | Hillsborough County |
|---|---|---|
| Effective property-tax rate | 0.7606% | 0.8102% |
| Annual property tax | $3,803 | $4,051 |
| Annual insurance budget | $6,729 | $6,744 |
| FEMA risk percentile | 98.44 | 98.82 |
| Illustrative monthly PITI | $3,406 | $3,428 |
Compare another home price
Source, method & confidence
Confidence: Medium for property tax; Low for insurance. County tax rates are ACS-derived and insurance starts from a lagged NAIC state average with FEMA county risk context.
Tax data as of 2024-12-31; insurance baseline as of 2022-12-31.
Sources: U.S. Census Bureau ACS 5-year tables B25103 and B25077; NAIC Homeowners Insurance Report; FEMA National Risk Index.
Assumes 20% down, 6.5% interest, and a 30-year mortgage. The rate is an assumption, not a live offer.
Read the complete comparison methodology
Planning disclaimer: Estimates for budgeting only — not a tax bill, not an insurance quote, not legal or tax advice. Verify with the county assessor and a licensed professional before making financial decisions.