Total monthly cost of ownership
Cost to Own a Home in Sawgrass, Florida
A $842,000 home here costs
$6,202per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $4,329. The real number is $1,874 higher every month — 43% 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.
Sawgrass against St. Johns County and Florida
| Measure | Sawgrass | St. Johns County |
|---|---|---|
| Median home value | $841,600 | $457,600 |
| Median property tax | $5,500 | $3,547 |
| Effective tax rate | 0.654% | 0.775% |
| Median gross rent | $1,884 | $1,775 |
| Population | 4,734 | 292,243 |
The weather behind that power bill
Sawgrass sits in St. Johns County, which averages a high of 91.0°F in its hottest month and a low of 47.8°F in its coldest, with 50.64" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 3,079 cooling and 803 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for St. Johns County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in St. Johns County
Full St. Johns County cost breakdown · Every county in Florida
Common questions
How much does it cost to own a home in Sawgrass?
A $842,000 home in Sawgrass, Florida costs approximately $6,202 per month with 20% down at 6.66%. That is $4,329 principal and interest, $459 property tax, $509 homeowners insurance, $204 utilities and $702 set aside for maintenance.
What is the property tax rate in Sawgrass?
Sawgrass has an effective property tax rate of 0.654%, based on a median home value of $841,600 and median real estate taxes of $5,500. That is lower than the St. Johns County average of 0.775%.
What is the average home price in Sawgrass?
The median owner-occupied home value in Sawgrass, Florida is $841,600, against $457,600 across St. Johns County.
Is it cheaper to rent or buy in Sawgrass?
Median gross rent in Sawgrass is $1,884 a month, against $6,202 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 Sawgrass — 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.