Total monthly cost of ownership
Cost to Own a Home in Hawthorne, Florida
A $137,000 home here costs
$1,216per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $704. The real number is $511 higher every month — 73% 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.
Hawthorne against Alachua County and Florida
| Measure | Hawthorne | Alachua County |
|---|---|---|
| Median home value | $136,500 | $266,800 |
| Median property tax | $1,317 | $2,623 |
| Effective tax rate | 0.965% | 0.983% |
| Median gross rent | $721 | $1,255 |
| Population | 1,603 | 281,751 |
The weather behind that power bill
Hawthorne sits in Alachua County, which averages a high of 91.1°F in its hottest month and a low of 42.6°F in its coldest, with 48.31" of precipitation a year and 43% of it in a single three-month stretch. That climate drives 2,741 cooling and 1,139 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Alachua County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Alachua County
Full Alachua County cost breakdown · Every county in Florida
Common questions
How much does it cost to own a home in Hawthorne?
A $137,000 home in Hawthorne, Florida costs approximately $1,216 per month with 20% down at 6.66%. That is $704 principal and interest, $110 property tax, $83 homeowners insurance, $204 utilities and $114 set aside for maintenance.
What is the property tax rate in Hawthorne?
Hawthorne has an effective property tax rate of 0.965%, based on a median home value of $136,500 and median real estate taxes of $1,317. That is lower than the Alachua County average of 0.983%.
What is the average home price in Hawthorne?
The median owner-occupied home value in Hawthorne, Florida is $136,500, against $266,800 across Alachua County.
Is it cheaper to rent or buy in Hawthorne?
Median gross rent in Hawthorne is $721 a month, against $1,216 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 Hawthorne — 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.