Total monthly cost of ownership
Cost to Own a Home in Pebble Creek, Florida
A $385,000 home here costs
$3,081per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,979. The real number is $1,102 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.
Pebble Creek against Hillsborough County and Florida
| Measure | Pebble Creek | Hillsborough County |
|---|---|---|
| Median home value | $384,500 | $333,300 |
| Median property tax | $4,124 | $2,787 |
| Effective tax rate | 1.073% | 0.836% |
| Median gross rent | $2,189 | $1,543 |
| Population | 10,719 | 1,489,634 |
The weather behind that power bill
Pebble Creek sits in Hillsborough County, which averages a high of 91.2°F in its hottest month and a low of 52.8°F in its coldest, with 49.48" of precipitation a year and 49% of it in a single three-month stretch. That climate drives 3,928 cooling and 433 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Hillsborough County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Hillsborough County
Full Hillsborough County cost breakdown · Every county in Florida
Common questions
How much does it cost to own a home in Pebble Creek?
A $385,000 home in Pebble Creek, Florida costs approximately $3,081 per month with 20% down at 6.66%. That is $1,979 principal and interest, $344 property tax, $233 homeowners insurance, $204 utilities and $321 set aside for maintenance.
What is the property tax rate in Pebble Creek?
Pebble Creek has an effective property tax rate of 1.073%, based on a median home value of $384,500 and median real estate taxes of $4,124. That is higher than the Hillsborough County average of 0.836%.
What is the average home price in Pebble Creek?
The median owner-occupied home value in Pebble Creek, Florida is $384,500, against $333,300 across Hillsborough County.
Is it cheaper to rent or buy in Pebble Creek?
Median gross rent in Pebble Creek is $2,189 a month, against $3,081 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 Pebble Creek — 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.