Total monthly cost of ownership
Cost to Own a Home in Maitland, Florida
A $526,000 home here costs
$3,975per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,704. The real number is $1,270 higher every month — 47% 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.
Maitland against Orange County and Florida
| Measure | Maitland | Orange County |
|---|---|---|
| Median home value | $526,400 | $358,300 |
| Median property tax | $3,722 | $2,795 |
| Effective tax rate | 0.707% | 0.780% |
| Median gross rent | $1,930 | $1,675 |
| Population | 19,268 | 1,440,471 |
The weather behind that power bill
Maitland sits in Orange County, which averages a high of 91.9°F in its hottest month and a low of 51.8°F in its coldest, with 51.47" of precipitation a year and 46% of it in a single three-month stretch. That climate drives 3,693 cooling and 468 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Orange County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Orange County
Common questions
How much does it cost to own a home in Maitland?
A $526,000 home in Maitland, Florida costs approximately $3,975 per month with 20% down at 6.66%. That is $2,704 principal and interest, $310 property tax, $318 homeowners insurance, $204 utilities and $438 set aside for maintenance.
What is the property tax rate in Maitland?
Maitland has an effective property tax rate of 0.707%, based on a median home value of $526,400 and median real estate taxes of $3,722. That is lower than the Orange County average of 0.780%.
What is the average home price in Maitland?
The median owner-occupied home value in Maitland, Florida is $526,400, against $358,300 across Orange County.
Is it cheaper to rent or buy in Maitland?
Median gross rent in Maitland is $1,930 a month, against $3,975 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 Maitland — 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.