Total monthly cost of ownership
Cost to Own a Home in Zellwood, Florida
A $158,000 home here costs
$1,301per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $812. The real number is $489 higher every month — 60% 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.
Zellwood against Orange County and Florida
| Measure | Zellwood | Orange County |
|---|---|---|
| Median home value | $157,600 | $358,300 |
| Median property tax | $689 | $2,795 |
| Effective tax rate | 0.437% | 0.780% |
| Median gross rent | — | $1,675 |
| Population | 2,484 | 1,440,471 |
The weather behind that power bill
Zellwood 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 Zellwood?
A $158,000 home in Zellwood, Florida costs approximately $1,301 per month with 20% down at 6.66%. That is $812 principal and interest, $58 property tax, $95 homeowners insurance, $204 utilities and $132 set aside for maintenance.
What is the property tax rate in Zellwood?
Zellwood has an effective property tax rate of 0.437%, based on a median home value of $157,600 and median real estate taxes of $689. That is lower than the Orange County average of 0.780%.
What is the average home price in Zellwood?
The median owner-occupied home value in Zellwood, Florida is $157,600, against $358,300 across Orange County.
Is it cheaper to rent or buy in Zellwood?
Rent data is not published for Zellwood at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Zellwood — 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.