Total monthly cost of ownership
Cost to Own a Home in Ensley, Florida
A $199,000 home here costs
$1,700per 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 $73,000 a year.
A standard mortgage calculator would have told you $1,085. The real number is $615 higher every month, 57% more than the payment most buyers budget for.
Compare Escambia 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.
Ensley against Escambia County and Florida
| Measure | Ensley | Escambia County |
|---|---|---|
| Median home value | $198,700 | $234,200 |
| Median property tax | $1,141 | $1,406 |
| Effective tax rate | 0.574% | 0.600% |
| Median gross rent | $1,361 | $1,234 |
| Population | 23,036 | 323,275 |
The weather behind that power bill
Ensley sits in Escambia County, which averages a high of 91.6°F in its hottest month and a low of 43.7°F in its coldest, with 68.31" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 2,943 cooling and 1,304 heating degree days, which is what sets the $165 electricity line above.
See the full climate breakdown for Escambia County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Escambia County
Full Escambia County cost breakdown · Every county in Florida
Talk to someone who works this market
These are Ensley 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 Ensley every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Ensley I already own here and may sell
Common questions
How much does it cost to own a home in Ensley?
A $199,000 home in Ensley, Florida costs approximately $1,700 per month with 20% down at 7.24%. That is $1,085 principal and interest, $95 property tax, $120 homeowners insurance, $233 utilities and $166 set aside for maintenance.
What is the property tax rate in Ensley?
Ensley has an effective property tax rate of 0.574%, based on a median home value of $198,700 and median real estate taxes of $1,141. That is lower than the Escambia County average of 0.600%.
What is the average home price in Ensley?
The median owner-occupied home value in Ensley, Florida is $198,700, against $234,200 across Escambia County.
Is it cheaper to rent or buy in Ensley?
Median gross rent in Ensley is $1,361 a month, against $1,700 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 Ensley?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Ensley, Florida at today's rate takes a household income of roughly $73,000 a year. That covers the full $1,700 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Ensley, 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.