Total monthly cost of ownership
Cost to Own a Home in Osprey, Florida
A $680,000 home here costs
$5,089per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,496. The real number is $1,593 higher every month — 46% 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.
Osprey against Sarasota County and Florida
| Measure | Osprey | Sarasota County |
|---|---|---|
| Median home value | $680,200 | $373,100 |
| Median property tax | $4,929 | $2,826 |
| Effective tax rate | 0.725% | 0.757% |
| Median gross rent | $2,008 | $1,715 |
| Population | 5,790 | 449,011 |
The weather behind that power bill
Osprey sits in Sarasota County, which averages a high of 92.5°F in its hottest month and a low of 50.0°F in its coldest, with 61.07" of precipitation a year and 49% of it in a single three-month stretch. That climate drives 3,581 cooling and 417 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Sarasota County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Sarasota County
Full Sarasota County cost breakdown · Every county in Florida
Common questions
How much does it cost to own a home in Osprey?
A $680,000 home in Osprey, Florida costs approximately $5,089 per month with 20% down at 6.66%. That is $3,496 principal and interest, $411 property tax, $411 homeowners insurance, $204 utilities and $567 set aside for maintenance.
What is the property tax rate in Osprey?
Osprey has an effective property tax rate of 0.725%, based on a median home value of $680,200 and median real estate taxes of $4,929. That is lower than the Sarasota County average of 0.757%.
What is the average home price in Osprey?
The median owner-occupied home value in Osprey, Florida is $680,200, against $373,100 across Sarasota County.
Is it cheaper to rent or buy in Osprey?
Median gross rent in Osprey is $2,008 a month, against $5,089 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 Osprey — 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.