Total monthly cost of ownership
Cost to Own a Home in Macclenny, Florida
A $228,000 home here costs
$1,933per 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 $83,000 a year.
A standard mortgage calculator would have told you $1,243. The real number is $689 higher every month, 55% more than the payment most buyers budget for.
Compare Baker County with anywhere in America · full county breakdown
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 $165 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.
Talk to someone who works this market
These are Macclenny 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 Macclenny every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Macclenny I already own here and may sell
Common questions
How much does it cost to own a home in Macclenny?
A $228,000 home in Macclenny, Florida costs approximately $1,933 per month with 20% down at 7.24%. That is $1,243 principal and interest, $128 property tax, $138 homeowners insurance, $233 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 $1,933 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 Macclenny?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Macclenny, Florida at today's rate takes a household income of roughly $83,000 a year. That covers the full $1,933 monthly cost, not just the mortgage payment.
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.