Total monthly cost of ownership
Cost to Own a Home in Auburndale, Florida
A $273,000 home here costs
$2,147per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,403. The real number is $743 higher every month — 53% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Auburndale against Polk County and Florida
| Measure | Auburndale | Polk County |
|---|---|---|
| Median home value | $272,700 | $240,000 |
| Median property tax | $1,757 | $1,769 |
| Effective tax rate | 0.644% | 0.737% |
| Median gross rent | $1,127 | $1,272 |
| Population | 17,438 | 760,961 |
The weather behind that power bill
Auburndale sits in Polk County, which averages a high of 92.9°F in its hottest month and a low of 51.9°F in its coldest, with 46.12" of precipitation a year and 46% of it in a single three-month stretch. That climate drives 3,929 cooling and 421 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Polk County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Polk County
Common questions
How much does it cost to own a home in Auburndale?
A $273,000 home in Auburndale, Florida costs approximately $2,147 per month with 20% down at 6.66%. That is $1,403 principal and interest, $147 property tax, $165 homeowners insurance, $204 utilities and $228 set aside for maintenance.
What is the property tax rate in Auburndale?
Auburndale has an effective property tax rate of 0.644%, based on a median home value of $272,700 and median real estate taxes of $1,757. That is lower than the Polk County average of 0.737%.
What is the average home price in Auburndale?
The median owner-occupied home value in Auburndale, Florida is $272,700, against $240,000 across Polk County.
Is it cheaper to rent or buy in Auburndale?
Median gross rent in Auburndale is $1,127 a month, against $2,147 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Auburndale — 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.