Total monthly cost of ownership
Cost to Own a Home in Fruit Cove, Florida
A $452,000 home here costs
$3,454per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,324. The real number is $1,131 higher every month — 49% 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.
Fruit Cove against St. Johns County and Florida
| Measure | Fruit Cove | St. Johns County |
|---|---|---|
| Median home value | $451,600 | $457,600 |
| Median property tax | $3,316 | $3,547 |
| Effective tax rate | 0.734% | 0.775% |
| Median gross rent | $2,261 | $1,775 |
| Population | 35,609 | 292,243 |
The weather behind that power bill
Fruit Cove sits in St. Johns County, which averages a high of 91.0°F in its hottest month and a low of 47.8°F in its coldest, with 50.64" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 3,079 cooling and 803 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for St. Johns County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in St. Johns County
Full St. Johns County cost breakdown · Every county in Florida
Common questions
How much does it cost to own a home in Fruit Cove?
A $452,000 home in Fruit Cove, Florida costs approximately $3,454 per month with 20% down at 6.66%. That is $2,324 principal and interest, $276 property tax, $273 homeowners insurance, $204 utilities and $377 set aside for maintenance.
What is the property tax rate in Fruit Cove?
Fruit Cove has an effective property tax rate of 0.734%, based on a median home value of $451,600 and median real estate taxes of $3,316. That is lower than the St. Johns County average of 0.775%.
What is the average home price in Fruit Cove?
The median owner-occupied home value in Fruit Cove, Florida is $451,600, against $457,600 across St. Johns County.
Is it cheaper to rent or buy in Fruit Cove?
Median gross rent in Fruit Cove is $2,261 a month, against $3,454 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Fruit Cove — 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.