Total monthly cost of ownership
Cost to Own a Home in Masaryktown, Florida
A $176,000 home here costs
$1,550per 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 $66,500 a year.
A standard mortgage calculator would have told you $960. The real number is $591 higher every month, 62% more than the payment most buyers budget for.
Compare Hernando County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Masaryktown from a five-year rolling sample, and with about 1,023 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 Hernando 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.
Masaryktown against Hernando County and Florida
| Measure | Masaryktown | Hernando County |
|---|---|---|
| Median home value | $175,900 | $240,700 |
| Median property tax | $1,249 | $1,732 |
| Effective tax rate | 0.710% | 0.720% |
| Median gross rent | — | $1,209 |
| Population | 1,023 | 201,512 |
The weather behind that power bill
Masaryktown sits in Hernando County, which averages a high of 90.9°F in its hottest month and a low of 44.3°F in its coldest, with 51.94" of precipitation a year and 49% of it in a single three-month stretch. That climate drives 2,965 cooling and 876 heating degree days, which is what sets the $165 electricity line above.
See the full climate breakdown for Hernando County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Hernando County
Full Hernando County cost breakdown · Every county in Florida
Talk to someone who works this market
These are Masaryktown 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 Masaryktown every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Masaryktown I already own here and may sell
Common questions
How much does it cost to own a home in Masaryktown?
A $176,000 home in Masaryktown, Florida costs approximately $1,550 per month with 20% down at 7.24%. That is $960 principal and interest, $104 property tax, $106 homeowners insurance, $233 utilities and $147 set aside for maintenance.
What is the property tax rate in Masaryktown?
Masaryktown has an effective property tax rate of 0.710%, based on a median home value of $175,900 and median real estate taxes of $1,249. That is lower than the Hernando County average of 0.720%.
What is the average home price in Masaryktown?
The median owner-occupied home value in Masaryktown, Florida is $175,900, against $240,700 across Hernando County.
Is it cheaper to rent or buy in Masaryktown?
Rent data is not published for Masaryktown at this level of detail.
What salary do you need to buy a home in Masaryktown?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Masaryktown, Florida at today's rate takes a household income of roughly $66,500 a year. That covers the full $1,550 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Masaryktown, 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.