Total monthly cost of ownership
Cost to Own a Home in Astor, Florida
A $119,000 home here costs
$1,118per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $48,000 a year.
A standard mortgage calculator would have told you $649. The real number is $469 higher every month, 72% more than the payment most buyers budget for.
Compare Lake County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Astor from a five-year rolling sample, and with about 1,507 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Lake County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Astor against Lake County and Florida
| Measure | Astor | Lake County |
|---|---|---|
| Median home value | $118,600 | $287,900 |
| Median property tax | $775 | $2,284 |
| Effective tax rate | 0.653% | 0.793% |
| Median gross rent | — | $1,468 |
| Population | 1,507 | 398,696 |
The weather behind that power bill
Astor sits in Lake County, which averages a high of 91.7°F in its hottest month and a low of 48.9°F in its coldest, with 43.78" of precipitation a year and 45% of it in a single three-month stretch. That climate drives 3,481 cooling and 630 heating degree days, which is what sets the $165 electricity line above.
See the full climate breakdown for Lake County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Lake County
Talk to someone who works this market
These are Astor averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Astor every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Astor?
A $119,000 home in Astor, Florida costs approximately $1,118 per month with 20% down at 7.24%. That is $649 principal and interest, $65 property tax, $72 homeowners insurance, $233 utilities and $99 set aside for maintenance.
What is the property tax rate in Astor?
Astor has an effective property tax rate of 0.653%, based on a median home value of $118,600 and median real estate taxes of $775. That is lower than the Lake County average of 0.793%.
What is the average home price in Astor?
The median owner-occupied home value in Astor, Florida is $118,600, against $287,900 across Lake County.
Is it cheaper to rent or buy in Astor?
Rent data is not published for Astor at this level of detail.
What salary do you need to buy a home in Astor?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Astor, Florida at today's rate takes a household income of roughly $48,000 a year. That covers the full $1,118 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Astor, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Florida.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.