Total monthly cost of ownership
Cost to Own a Home in DeBary, Florida
A $308,000 home here costs
$2,622per month, all in, with 20% down at today's 7.40% 30-year fixed rate. By the 28% rule that takes a household income of about $112,500 a year.
A standard mortgage calculator would have told you $1,706. The real number is $916 higher every month, 54% more than the payment most buyers budget for.
Compare Volusia 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.
DeBary against Volusia County and Florida
| Measure | DeBary | Volusia County |
|---|---|---|
| Median home value | $307,600 | $278,000 |
| Median property tax | $2,871 | $2,179 |
| Effective tax rate | 0.933% | 0.784% |
| Median gross rent | $1,479 | $1,368 |
| Population | 22,602 | 568,229 |
The weather behind that power bill
DeBary sits in Volusia County, which averages a high of 90.2°F in its hottest month and a low of 48.5°F in its coldest, with 51.25" of precipitation a year and 39% of it in a single three-month stretch. That climate drives 3,112 cooling and 708 heating degree days, which is what sets the $166 electricity line above.
See the full climate breakdown for Volusia County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Volusia County
Full Volusia County cost breakdown · Every county in Florida
Talk to someone who works this market
These are DeBary 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 DeBary every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in DeBary I already own here and may sell
Common questions
How much does it cost to own a home in DeBary?
A $308,000 home in DeBary, Florida costs approximately $2,622 per month with 20% down at 7.4%. That is $1,706 principal and interest, $239 property tax, $186 homeowners insurance, $234 utilities and $257 set aside for maintenance.
What is the property tax rate in DeBary?
DeBary has an effective property tax rate of 0.933%, based on a median home value of $307,600 and median real estate taxes of $2,871. That is higher than the Volusia County average of 0.784%.
What is the average home price in DeBary?
The median owner-occupied home value in DeBary, Florida is $307,600, against $278,000 across Volusia County.
Is it cheaper to rent or buy in DeBary?
Median gross rent in DeBary is $1,479 a month, against $2,622 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 DeBary?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in DeBary, Florida at today's rate takes a household income of roughly $112,500 a year. That covers the full $2,622 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for DeBary, 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.