Total monthly cost of ownership
Cost to Own a Home in Fort Denaud, Florida
A $326,000 home here costs
$2,540per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,676. The real number is $864 higher every month — 52% 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.
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 $136 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
Common questions
How much does it cost to own a home in Fort Denaud?
A $326,000 home in Fort Denaud, Florida costs approximately $2,540 per month with 20% down at 6.66%. That is $1,676 principal and interest, $191 property tax, $197 homeowners insurance, $204 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.
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.