Total monthly cost of ownership
Cost to Own a Home in Pine Hills, Florida
A $234,000 home here costs
$1,864per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,203. The real number is $661 higher every month — 55% 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.
Pine Hills against Orange County and Florida
| Measure | Pine Hills | Orange County |
|---|---|---|
| Median home value | $233,700 | $358,300 |
| Median property tax | $1,445 | $2,795 |
| Effective tax rate | 0.618% | 0.780% |
| Median gross rent | $1,451 | $1,675 |
| Population | 82,264 | 1,440,471 |
The weather behind that power bill
Pine Hills sits in Orange County, which averages a high of 91.9°F in its hottest month and a low of 51.8°F in its coldest, with 51.47" of precipitation a year and 46% of it in a single three-month stretch. That climate drives 3,693 cooling and 468 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Orange County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Orange County
Common questions
How much does it cost to own a home in Pine Hills?
A $234,000 home in Pine Hills, Florida costs approximately $1,864 per month with 20% down at 6.66%. That is $1,203 principal and interest, $121 property tax, $141 homeowners insurance, $204 utilities and $195 set aside for maintenance.
What is the property tax rate in Pine Hills?
Pine Hills has an effective property tax rate of 0.618%, based on a median home value of $233,700 and median real estate taxes of $1,445. That is lower than the Orange County average of 0.780%.
What is the average home price in Pine Hills?
The median owner-occupied home value in Pine Hills, Florida is $233,700, against $358,300 across Orange County.
Is it cheaper to rent or buy in Pine Hills?
Median gross rent in Pine Hills is $1,451 a month, against $1,864 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 Pine Hills — 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.