Total monthly cost of ownership
Cost to Own a Home in Lawtey, Florida
A $161,000 home here costs
$1,364per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $828. The real number is $536 higher every month — 65% 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.
Lawtey against Bradford County and Florida
| Measure | Lawtey | Bradford County |
|---|---|---|
| Median home value | $160,900 | $180,300 |
| Median property tax | $1,203 | $1,022 |
| Effective tax rate | 0.748% | 0.567% |
| Median gross rent | $670 | $838 |
| Population | 1,317 | 27,888 |
The weather behind that power bill
Lawtey sits in Bradford County, which averages a high of 92.4°F in its hottest month and a low of 45.3°F in its coldest, with 53.35" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 3,157 cooling and 963 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Bradford County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Bradford County
Full Bradford County cost breakdown · Every county in Florida
Common questions
How much does it cost to own a home in Lawtey?
A $161,000 home in Lawtey, Florida costs approximately $1,364 per month with 20% down at 6.66%. That is $828 principal and interest, $100 property tax, $97 homeowners insurance, $204 utilities and $134 set aside for maintenance.
What is the property tax rate in Lawtey?
Lawtey has an effective property tax rate of 0.748%, based on a median home value of $160,900 and median real estate taxes of $1,203. That is higher than the Bradford County average of 0.567%.
What is the average home price in Lawtey?
The median owner-occupied home value in Lawtey, Florida is $160,900, against $180,300 across Bradford County.
Is it cheaper to rent or buy in Lawtey?
Median gross rent in Lawtey is $670 a month, against $1,364 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 Lawtey — 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.