Total monthly cost of ownership
Cost to Own a Home in Meadow Oaks, Florida
A $195,000 home here costs
$1,604per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,002. The real number is $601 higher every month — 60% 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.
Meadow Oaks against Pasco County and Florida
| Measure | Meadow Oaks | Pasco County |
|---|---|---|
| Median home value | $194,500 | $265,800 |
| Median property tax | $1,395 | $2,028 |
| Effective tax rate | 0.717% | 0.763% |
| Median gross rent | $1,665 | $1,372 |
| Population | 3,261 | 588,758 |
The weather behind that power bill
Meadow Oaks sits in Pasco 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 $136 electricity line above.
See the full climate breakdown for Pasco County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pasco County
Common questions
How much does it cost to own a home in Meadow Oaks?
A $195,000 home in Meadow Oaks, Florida costs approximately $1,604 per month with 20% down at 6.66%. That is $1,002 principal and interest, $117 property tax, $118 homeowners insurance, $204 utilities and $163 set aside for maintenance.
What is the property tax rate in Meadow Oaks?
Meadow Oaks has an effective property tax rate of 0.717%, based on a median home value of $194,500 and median real estate taxes of $1,395. That is lower than the Pasco County average of 0.763%.
What is the average home price in Meadow Oaks?
The median owner-occupied home value in Meadow Oaks, Florida is $194,500, against $265,800 across Pasco County.
Is it cheaper to rent or buy in Meadow Oaks?
Median gross rent in Meadow Oaks is $1,665 a month, against $1,604 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Meadow Oaks — 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.