Total monthly cost of ownership
Cost to Own a Home in Orange Park, Florida
A $257,000 home here costs
$2,067per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,321. The real number is $746 higher every month — 56% 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.
Orange Park against Clay County and Florida
| Measure | Orange Park | Clay County |
|---|---|---|
| Median home value | $257,400 | $281,500 |
| Median property tax | $2,065 | $2,080 |
| Effective tax rate | 0.802% | 0.739% |
| Median gross rent | $1,355 | $1,464 |
| Population | 9,062 | 223,436 |
The weather behind that power bill
Orange Park sits in Clay County, which averages a high of 91.8°F in its hottest month and a low of 47.2°F in its coldest, with 47.6" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 3,302 cooling and 944 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Clay County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Clay County
Common questions
How much does it cost to own a home in Orange Park?
A $257,000 home in Orange Park, Florida costs approximately $2,067 per month with 20% down at 6.66%. That is $1,321 principal and interest, $172 property tax, $155 homeowners insurance, $204 utilities and $214 set aside for maintenance.
What is the property tax rate in Orange Park?
Orange Park has an effective property tax rate of 0.802%, based on a median home value of $257,400 and median real estate taxes of $2,065. That is higher than the Clay County average of 0.739%.
What is the average home price in Orange Park?
The median owner-occupied home value in Orange Park, Florida is $257,400, against $281,500 across Clay County.
Is it cheaper to rent or buy in Orange Park?
Median gross rent in Orange Park is $1,355 a month, against $2,067 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 Orange Park — 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.