Total monthly cost of ownership
Cost to Own a Home in Macclenny, Florida
A $228,000 home here costs
$1,833per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,172. The real number is $660 higher every month — 56% 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.
Macclenny against Baker County and Florida
| Measure | Macclenny | Baker County |
|---|---|---|
| Median home value | $227,500 | $225,000 |
| Median property tax | $1,536 | $1,410 |
| Effective tax rate | 0.675% | 0.627% |
| Median gross rent | $1,294 | $1,011 |
| Population | 7,558 | 28,186 |
The weather behind that power bill
Macclenny sits in Baker County, which averages a high of 92.8°F in its hottest month and a low of 40.0°F in its coldest, with 53.22" of precipitation a year and 42% of it in a single three-month stretch. That climate drives 2,687 cooling and 1,297 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Baker County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Baker County
No other places of this size are published in Baker County.
Common questions
How much does it cost to own a home in Macclenny?
A $228,000 home in Macclenny, Florida costs approximately $1,833 per month with 20% down at 6.66%. That is $1,172 principal and interest, $128 property tax, $138 homeowners insurance, $204 utilities and $190 set aside for maintenance.
What is the property tax rate in Macclenny?
Macclenny has an effective property tax rate of 0.675%, based on a median home value of $227,500 and median real estate taxes of $1,536. That is higher than the Baker County average of 0.627%.
What is the average home price in Macclenny?
The median owner-occupied home value in Macclenny, Florida is $227,500, against $225,000 across Baker County.
Is it cheaper to rent or buy in Macclenny?
Median gross rent in Macclenny is $1,294 a month, against $1,833 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 Macclenny — 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.