Total monthly cost of ownership
Cost to Own a Home in Harbour Heights, Florida
A $320,000 home here costs
$2,673per 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 $1,745. The real number is $929 higher every month, 53% more than the payment most buyers budget for.
Compare Charlotte County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Harbour Heights from a five-year rolling sample, and with about 4,184 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 Charlotte 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.
Harbour Heights against Charlotte County and Florida
| Measure | Harbour Heights | Charlotte County |
|---|---|---|
| Median home value | $319,900 | $291,000 |
| Median property tax | $2,822 | $2,581 |
| Effective tax rate | 0.882% | 0.887% |
| Median gross rent | $1,088 | $1,289 |
| Population | 4,184 | 195,083 |
The weather behind that power bill
Harbour Heights sits in Charlotte County, which averages a high of 92.5°F in its hottest month and a low of 50.5°F in its coldest, with 52.97" of precipitation a year and 50% of it in a single three-month stretch. That climate drives 3,772 cooling and 355 heating degree days, which is what sets the $165 electricity line above.
See the full climate breakdown for Charlotte County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Charlotte County
Full Charlotte County cost breakdown · Every county in Florida
Talk to someone who works this market
These are Harbour Heights 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 Harbour Heights every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Harbour Heights I already own here and may sell
Common questions
How much does it cost to own a home in Harbour Heights?
A $320,000 home in Harbour Heights, Florida costs approximately $2,673 per month with 20% down at 7.24%. That is $1,745 principal and interest, $235 property tax, $193 homeowners insurance, $233 utilities and $267 set aside for maintenance.
What is the property tax rate in Harbour Heights?
Harbour Heights has an effective property tax rate of 0.882%, based on a median home value of $319,900 and median real estate taxes of $2,822. That is in line with the Charlotte County average of 0.887%.
What is the average home price in Harbour Heights?
The median owner-occupied home value in Harbour Heights, Florida is $319,900, against $291,000 across Charlotte County.
Is it cheaper to rent or buy in Harbour Heights?
Median gross rent in Harbour Heights is $1,088 a month, against $2,673 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 Harbour Heights?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Harbour Heights, Florida at today's rate takes a household income of roughly $114,500 a year. That covers the full $2,673 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Harbour Heights, 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.