Total monthly cost of ownership
Cost to Own a Home in Lawtey, Florida
A $161,000 home here costs
$1,443per 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 $62,000 a year.
A standard mortgage calculator would have told you $878. The real number is $565 higher every month, 64% more than the payment most buyers budget for.
Compare Bradford County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Lawtey from a five-year rolling sample, and with about 1,317 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 Bradford 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.
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 $165 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
Talk to someone who works this market
These are Lawtey 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 Lawtey every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Lawtey I already own here and may sell
Common questions
How much does it cost to own a home in Lawtey?
A $161,000 home in Lawtey, Florida costs approximately $1,443 per month with 20% down at 7.24%. That is $878 principal and interest, $100 property tax, $97 homeowners insurance, $233 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 $1,443 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 Lawtey?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Lawtey, Florida at today's rate takes a household income of roughly $62,000 a year. That covers the full $1,443 monthly cost, not just the mortgage payment.
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.