Total monthly cost of ownership
Cost to Own a Home in Campbell, Florida
A $113,000 home here costs
$1,044per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $581. The real number is $463 higher every month — 80% 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.
Campbell against Osceola County and Florida
| Measure | Campbell | Osceola County |
|---|---|---|
| Median home value | $113,300 | $317,600 |
| Median property tax | $1,159 | $2,498 |
| Effective tax rate | 1.023% | 0.787% |
| Median gross rent | $1,349 | $1,651 |
| Population | 2,247 | 406,943 |
The weather behind that power bill
Campbell sits in Osceola County, which averages a high of 92.0°F in its hottest month and a low of 49.5°F in its coldest, with 51.45" of precipitation a year and 45% of it in a single three-month stretch. That climate drives 3,452 cooling and 525 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Osceola County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Osceola County
Full Osceola County cost breakdown · Every county in Florida
Common questions
How much does it cost to own a home in Campbell?
A $113,000 home in Campbell, Florida costs approximately $1,044 per month with 20% down at 6.66%. That is $581 principal and interest, $96 property tax, $68 homeowners insurance, $204 utilities and $94 set aside for maintenance.
What is the property tax rate in Campbell?
Campbell has an effective property tax rate of 1.023%, based on a median home value of $113,300 and median real estate taxes of $1,159. That is higher than the Osceola County average of 0.787%.
What is the average home price in Campbell?
The median owner-occupied home value in Campbell, Florida is $113,300, against $317,600 across Osceola County.
Is it cheaper to rent or buy in Campbell?
Median gross rent in Campbell is $1,349 a month, against $1,044 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Campbell — 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.