Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in Florida
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Florida ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Holmes County | $424 | $101,400 | 0.520% |
| 2 | Dixie County | $433 | $96,900 | 0.738% |
| 3 | Taylor County | $438 | $100,200 | 0.723% |
| 4 | Jackson County | $450 | $113,900 | 0.549% |
| 5 | Hamilton County | $460 | $110,400 | 0.730% |
| 6 | Madison County | $463 | $105,900 | 0.876% |
| 7 | Calhoun County | $488 | $134,000 | 0.554% |
| 8 | Liberty County | $489 | $117,600 | 0.877% |
| 9 | Lafayette County | $494 | $131,600 | 0.646% |
| 10 | Glades County | $496 | $114,800 | 1.013% |
| 11 | Washington County | $524 | $156,000 | 0.504% |
| 12 | Gadsden County | $527 | $154,700 | 0.552% |
| 13 | Hardee County | $533 | $129,400 | 1.049% |
| 14 | Union County | $542 | $160,400 | 0.580% |
| 15 | Putnam County | $545 | $147,300 | 0.812% |
| 16 | DeSoto County | $562 | $151,500 | 0.873% |
| 17 | Suwannee County | $563 | $160,900 | 0.727% |
| 18 | Levy County | $573 | $171,400 | 0.648% |
| 19 | Bradford County | $578 | $180,300 | 0.567% |
| 20 | Highlands County | $598 | $177,900 | 0.728% |
| 21 | Okeechobee County | $604 | $179,000 | 0.754% |
| 22 | Gilchrist County | $617 | $191,000 | 0.681% |
| 23 | Columbia County | $617 | $186,400 | 0.743% |
| 24 | Jefferson County | $632 | $198,800 | 0.678% |
| 25 | Hendry County | $633 | $189,700 | 0.801% |
| 26 | Wakulla County | $662 | $216,300 | 0.651% |
| 27 | Citrus County | $665 | $223,200 | 0.591% |
| 28 | Baker County | $675 | $225,000 | 0.627% |
| 29 | Gulf County | $684 | $235,700 | 0.566% |
| 30 | Escambia County | $688 | $234,200 | 0.600% |
| 31 | Marion County | $690 | $220,800 | 0.751% |
| 32 | Hernando County | $724 | $240,700 | 0.720% |
| 33 | Polk County | $726 | $240,000 | 0.737% |
| 34 | Franklin County | $730 | $254,300 | 0.618% |
| 35 | Bay County | $770 | $276,900 | 0.597% |
| 36 | Pasco County | $785 | $265,800 | 0.763% |
| 37 | Duval County | $808 | $274,900 | 0.779% |
| 38 | Clay County | $812 | $281,500 | 0.739% |
| 39 | Volusia County | $815 | $278,000 | 0.784% |
| 40 | Santa Rosa County | $819 | $302,100 | 0.599% |
| 41 | Leon County | $828 | $279,800 | 0.824% |
| 42 | Alachua County | $836 | $266,800 | 0.983% |
| 43 | Lake County | $838 | $287,900 | 0.793% |
| 44 | Brevard County | $850 | $304,400 | 0.703% |
| 45 | Okaloosa County | $863 | $324,800 | 0.600% |
| 46 | Charlotte County | $867 | $291,000 | 0.887% |
| 47 | Indian River County | $877 | $314,700 | 0.727% |
| 48 | Pinellas County | $886 | $319,000 | 0.729% |
| 49 | Osceola County | $899 | $317,600 | 0.787% |
| 50 | St. Lucie County | $915 | $305,800 | 0.946% |
| 51 | Walton County | $917 | $376,400 | 0.454% |
| 52 | Lee County | $928 | $326,300 | 0.827% |
| 53 | Flagler County | $932 | $333,400 | 0.788% |
| 54 | Hillsborough County | $945 | $333,300 | 0.836% |
| 55 | Nassau County | $952 | $351,100 | 0.729% |
| 56 | Seminole County | $955 | $357,300 | 0.698% |
| 57 | Orange County | $982 | $358,300 | 0.780% |
| 58 | Manatee County | $989 | $359,800 | 0.793% |
| 59 | Sumter County | $991 | $356,000 | 0.826% |
| 60 | Sarasota County | $1,006 | $373,100 | 0.757% |
| 61 | Martin County | $1,049 | $386,500 | 0.807% |
| 62 | Broward County | $1,082 | $380,400 | 0.949% |
| 63 | Palm Beach County | $1,119 | $407,300 | 0.884% |
| 64 | Miami-Dade County | $1,139 | $425,400 | 0.827% |
| 65 | St. Johns County | $1,187 | $457,600 | 0.775% |
| 66 | Collier County | $1,202 | $486,800 | 0.661% |
| 67 | Monroe County | $1,603 | $723,800 | 0.545% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in Florida