Total monthly cost of ownership
Cost to Own a Home in North Brooksville, Florida
A $178,000 home here costs
$1,581per month, all in, with 20% down at today's 7.40% 30-year fixed rate. By the 28% rule that takes a household income of about $67,500 a year.
A standard mortgage calculator would have told you $986. The real number is $595 higher every month, 60% 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 North Brooksville from a five-year rolling sample, and with about 4,082 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.
North Brooksville against Hernando County and Florida
| Measure | North Brooksville | Hernando County |
|---|---|---|
| Median home value | $177,500 | $240,700 |
| Median property tax | $1,255 | $1,732 |
| Effective tax rate | 0.707% | 0.720% |
| Median gross rent | $732 | $1,209 |
| Population | 4,082 | 201,512 |
The weather behind that power bill
North Brooksville 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 $166 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 North Brooksville 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 North Brooksville every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in North Brooksville I already own here and may sell
Common questions
How much does it cost to own a home in North Brooksville?
A $178,000 home in North Brooksville, Florida costs approximately $1,581 per month with 20% down at 7.4%. That is $986 principal and interest, $105 property tax, $108 homeowners insurance, $234 utilities and $148 set aside for maintenance.
What is the property tax rate in North Brooksville?
North Brooksville has an effective property tax rate of 0.707%, based on a median home value of $177,500 and median real estate taxes of $1,255. That is lower than the Hernando County average of 0.720%.
What is the average home price in North Brooksville?
The median owner-occupied home value in North Brooksville, Florida is $177,500, against $240,700 across Hernando County.
Is it cheaper to rent or buy in North Brooksville?
Median gross rent in North Brooksville is $732 a month, against $1,581 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in North Brooksville?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in North Brooksville, Florida at today's rate takes a household income of roughly $67,500 a year. That covers the full $1,581 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for North Brooksville, 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.