Total monthly cost of ownership
Cost to Own a Home in Navarre Beach, Florida
A $755,000 home here costs
$5,591per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,881. The real number is $1,710 higher every month — 44% 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.
Navarre Beach against Santa Rosa County and Florida
| Measure | Navarre Beach | Santa Rosa County |
|---|---|---|
| Median home value | $755,200 | $302,100 |
| Median property tax | $5,048 | $1,809 |
| Effective tax rate | 0.668% | 0.599% |
| Median gross rent | $1,840 | $1,445 |
| Population | 1,583 | 193,719 |
The weather behind that power bill
Navarre Beach sits in Santa Rosa County, which averages a high of 92.7°F in its hottest month and a low of 41.9°F in its coldest, with 66.39" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 2,911 cooling and 1,347 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Santa Rosa County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Santa Rosa County
Full Santa Rosa County cost breakdown · Every county in Florida
Common questions
How much does it cost to own a home in Navarre Beach?
A $755,000 home in Navarre Beach, Florida costs approximately $5,591 per month with 20% down at 6.66%. That is $3,881 principal and interest, $420 property tax, $456 homeowners insurance, $204 utilities and $629 set aside for maintenance.
What is the property tax rate in Navarre Beach?
Navarre Beach has an effective property tax rate of 0.668%, based on a median home value of $755,200 and median real estate taxes of $5,048. That is higher than the Santa Rosa County average of 0.599%.
What is the average home price in Navarre Beach?
The median owner-occupied home value in Navarre Beach, Florida is $755,200, against $302,100 across Santa Rosa County.
Is it cheaper to rent or buy in Navarre Beach?
Median gross rent in Navarre Beach is $1,840 a month, against $5,591 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 Navarre Beach — 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.