Total monthly cost of ownership
Cost to Own a Home in Fort Denaud, Florida
A $326,000 home here costs
$2,670per 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 $114,500 a year.
A standard mortgage calculator would have told you $1,777. The real number is $893 higher every month, 50% more than the payment most buyers budget for.
Compare Hendry County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Fort Denaud from a five-year rolling sample, and with about 1,396 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Hendry County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Fort Denaud against Hendry County and Florida
| Measure | Fort Denaud | Hendry County |
|---|---|---|
| Median home value | $325,500 | $189,700 |
| Median property tax | $2,285 | $1,519 |
| Effective tax rate | 0.702% | 0.801% |
| Median gross rent | — | $958 |
| Population | 1,396 | 40,798 |
The weather behind that power bill
Fort Denaud sits in Hendry County, which averages a high of 92.7°F in its hottest month and a low of 51.6°F in its coldest, with 53.76" of precipitation a year and 48% of it in a single three-month stretch. That climate drives 3,733 cooling and 331 heating degree days, which is what sets the $165 electricity line above.
See the full climate breakdown for Hendry County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Hendry County
Talk to someone who works this market
These are Fort Denaud 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 Fort Denaud every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Fort Denaud I already own here and may sell
Common questions
How much does it cost to own a home in Fort Denaud?
A $326,000 home in Fort Denaud, Florida costs approximately $2,670 per month with 20% down at 7.24%. That is $1,777 principal and interest, $191 property tax, $197 homeowners insurance, $233 utilities and $272 set aside for maintenance.
What is the property tax rate in Fort Denaud?
Fort Denaud has an effective property tax rate of 0.702%, based on a median home value of $325,500 and median real estate taxes of $2,285. That is lower than the Hendry County average of 0.801%.
What is the average home price in Fort Denaud?
The median owner-occupied home value in Fort Denaud, Florida is $325,500, against $189,700 across Hendry County.
Is it cheaper to rent or buy in Fort Denaud?
Rent data is not published for Fort Denaud at this level of detail.
What salary do you need to buy a home in Fort Denaud?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Fort Denaud, Florida at today's rate takes a household income of roughly $114,500 a year. That covers the full $2,670 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Fort Denaud, 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.