Total monthly cost of ownership
Cost to Own a Home in Starke, Florida
A $200,000 home here costs
$1,608per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,028. The real number is $580 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.
Starke against Bradford County and Florida
| Measure | Starke | Bradford County |
|---|---|---|
| Median home value | $200,200 | $180,300 |
| Median property tax | $1,062 | $1,022 |
| Effective tax rate | 0.530% | 0.567% |
| Median gross rent | $867 | $838 |
| Population | 5,821 | 27,888 |
The weather behind that power bill
Starke sits in Bradford County, which averages a high of 92.4°F in its hottest month and a low of 45.3°F in its coldest, with 53.35" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 3,157 cooling and 963 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Bradford County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Bradford County
Full Bradford County cost breakdown · Every county in Florida
Common questions
How much does it cost to own a home in Starke?
A $200,000 home in Starke, Florida costs approximately $1,608 per month with 20% down at 6.66%. That is $1,028 principal and interest, $88 property tax, $121 homeowners insurance, $204 utilities and $167 set aside for maintenance.
What is the property tax rate in Starke?
Starke has an effective property tax rate of 0.530%, based on a median home value of $200,200 and median real estate taxes of $1,062. That is lower than the Bradford County average of 0.567%.
What is the average home price in Starke?
The median owner-occupied home value in Starke, Florida is $200,200, against $180,300 across Bradford County.
Is it cheaper to rent or buy in Starke?
Median gross rent in Starke is $867 a month, against $1,608 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 Starke — 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.