Total monthly cost of ownership
Cost to Own a Home in White City, Florida
A $351,000 home here costs
$2,941per month, all in, with 20% down at today's 7.32% 30-year fixed rate. By the 28% rule that takes a household income of about $126,000 a year.
A standard mortgage calculator would have told you $1,929. The real number is $1,013 higher every month, 52% more than the payment most buyers budget for.
Compare St. Lucie County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
White City against St. Lucie County and Florida
| Measure | White City | St. Lucie County |
|---|---|---|
| Median home value | $350,800 | $305,800 |
| Median property tax | $3,288 | $2,893 |
| Effective tax rate | 0.937% | 0.946% |
| Median gross rent | $1,305 | $1,489 |
| Population | 5,373 | 346,237 |
The weather behind that power bill
White City sits in St. Lucie County, which averages a high of 90.3°F in its hottest month and a low of 51.2°F in its coldest, with 51.17" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 3,391 cooling and 418 heating degree days, which is what sets the $166 electricity line above.
See the full climate breakdown for St. Lucie County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in St. Lucie County
Full St. Lucie County cost breakdown · Every county in Florida
Talk to someone who works this market
These are White City averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works White City every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in White City I already own here and may sell
Common questions
How much does it cost to own a home in White City?
A $351,000 home in White City, Florida costs approximately $2,941 per month with 20% down at 7.32%. That is $1,929 principal and interest, $274 property tax, $212 homeowners insurance, $234 utilities and $293 set aside for maintenance.
What is the property tax rate in White City?
White City has an effective property tax rate of 0.937%, based on a median home value of $350,800 and median real estate taxes of $3,288. That is in line with the St. Lucie County average of 0.946%.
What is the average home price in White City?
The median owner-occupied home value in White City, Florida is $350,800, against $305,800 across St. Lucie County.
Is it cheaper to rent or buy in White City?
Median gross rent in White City is $1,305 a month, against $2,941 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in White City?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in White City, Florida at today's rate takes a household income of roughly $126,000 a year. That covers the full $2,941 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for White City, 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.