Total monthly cost of ownership
Cost to Own a Home in Ave Maria, Florida
A $406,000 home here costs
$3,399per 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 $145,500 a year.
A standard mortgage calculator would have told you $2,214. The real number is $1,186 higher every month, 54% more than the payment most buyers budget for.
Compare Collier County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Ave Maria against Collier County and Florida
| Measure | Ave Maria | Collier County |
|---|---|---|
| Median home value | $405,600 | $486,800 |
| Median property tax | $4,419 | $3,219 |
| Effective tax rate | 1.089% | 0.661% |
| Median gross rent | $2,552 | $1,752 |
| Population | 6,826 | 387,681 |
The weather behind that power bill
Ave Maria sits in Collier County, which averages a high of 92.6°F in its hottest month and a low of 53.1°F in its coldest, with 55.28" of precipitation a year and 48% of it in a single three-month stretch. That climate drives 4,136 cooling and 230 heating degree days, which is what sets the $165 electricity line above.
See the full climate breakdown for Collier County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Collier County
Full Collier County cost breakdown · Every county in Florida
Talk to someone who works this market
These are Ave Maria 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 Ave Maria every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Ave Maria I already own here and may sell
Common questions
How much does it cost to own a home in Ave Maria?
A $406,000 home in Ave Maria, Florida costs approximately $3,399 per month with 20% down at 7.24%. That is $2,214 principal and interest, $368 property tax, $245 homeowners insurance, $233 utilities and $338 set aside for maintenance.
What is the property tax rate in Ave Maria?
Ave Maria has an effective property tax rate of 1.089%, based on a median home value of $405,600 and median real estate taxes of $4,419. That is higher than the Collier County average of 0.661%.
What is the average home price in Ave Maria?
The median owner-occupied home value in Ave Maria, Florida is $405,600, against $486,800 across Collier County.
Is it cheaper to rent or buy in Ave Maria?
Median gross rent in Ave Maria is $2,552 a month, against $3,399 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Ave Maria?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Ave Maria, Florida at today's rate takes a household income of roughly $145,500 a year. That covers the full $3,399 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Ave Maria, 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.