Total monthly cost of ownership
Cost to Own a Home in Navarre, Florida
A $352,000 home here costs
$2,703per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,810. The real number is $894 higher every month — 49% 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 against Santa Rosa County and Florida
| Measure | Navarre | Santa Rosa County |
|---|---|---|
| Median home value | $352,300 | $302,100 |
| Median property tax | $2,202 | $1,809 |
| Effective tax rate | 0.625% | 0.599% |
| Median gross rent | $1,797 | $1,445 |
| Population | 38,988 | 193,719 |
The weather behind that power bill
Navarre 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?
A $352,000 home in Navarre, Florida costs approximately $2,703 per month with 20% down at 6.66%. That is $1,810 principal and interest, $183 property tax, $213 homeowners insurance, $204 utilities and $293 set aside for maintenance.
What is the property tax rate in Navarre?
Navarre has an effective property tax rate of 0.625%, based on a median home value of $352,300 and median real estate taxes of $2,202. That is higher than the Santa Rosa County average of 0.599%.
What is the average home price in Navarre?
The median owner-occupied home value in Navarre, Florida is $352,300, against $302,100 across Santa Rosa County.
Is it cheaper to rent or buy in Navarre?
Median gross rent in Navarre is $1,797 a month, against $2,703 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 — 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.