Total monthly cost of ownership
Cost to Own a Home in Bradenton, Florida
A $283,000 home here costs
$2,251per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,455. The real number is $796 higher every month — 55% 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.
Bradenton against Manatee County and Florida
| Measure | Bradenton | Manatee County |
|---|---|---|
| Median home value | $282,500 | $359,800 |
| Median property tax | $2,212 | $2,853 |
| Effective tax rate | 0.783% | 0.793% |
| Median gross rent | $1,475 | $1,549 |
| Population | 56,289 | 416,020 |
The weather behind that power bill
Bradenton sits in Manatee County, which averages a high of 91.5°F in its hottest month and a low of 52.3°F in its coldest, with 49.05" of precipitation a year and 48% of it in a single three-month stretch. That climate drives 3,721 cooling and 394 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Manatee County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Manatee County
Full Manatee County cost breakdown · Every county in Florida
Common questions
How much does it cost to own a home in Bradenton?
A $283,000 home in Bradenton, Florida costs approximately $2,251 per month with 20% down at 6.66%. That is $1,455 principal and interest, $185 property tax, $171 homeowners insurance, $204 utilities and $236 set aside for maintenance.
What is the property tax rate in Bradenton?
Bradenton has an effective property tax rate of 0.783%, based on a median home value of $282,500 and median real estate taxes of $2,212. That is lower than the Manatee County average of 0.793%.
What is the average home price in Bradenton?
The median owner-occupied home value in Bradenton, Florida is $282,500, against $359,800 across Manatee County.
Is it cheaper to rent or buy in Bradenton?
Median gross rent in Bradenton is $1,475 a month, against $2,251 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 Bradenton — 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.