Ranked from ACS 2023 5-Year
Highest Costs Beyond the Mortgage in Florida
Tax, insurance, electricity, water and maintenance as a share of the total monthly cost of owning: everything the mortgage payment is not. Ranking the dollars would just reproduce a list of expensive counties, because all of those costs scale with the price of the house. The share does not: at one rate and one down payment the mortgage is the same fraction of price everywhere, so what moves this list is counties whose carrying costs are heavy for what the house is worth. The share depends on the rate and the 20% down payment this site models, and would shift if either changed.
Florida ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Dixie County | 45.6% | $433 | $950 |
| 2 | Madison County | 45.0% | $463 | $1,029 |
| 3 | Taylor County | 45.0% | $438 | $973 |
| 4 | Glades County | 44.7% | $496 | $1,109 |
| 5 | Holmes County | 43.9% | $424 | $965 |
| 6 | Hamilton County | 43.8% | $460 | $1,049 |
| 7 | Liberty County | 43.8% | $489 | $1,117 |
| 8 | Hardee County | 43.6% | $533 | $1,224 |
| 9 | Jackson County | 42.5% | $450 | $1,058 |
| 10 | Lafayette County | 41.3% | $494 | $1,197 |
| 11 | DeSoto County | 41.0% | $562 | $1,371 |
| 12 | Putnam County | 41.0% | $545 | $1,332 |
| 13 | Calhoun County | 40.6% | $488 | $1,204 |
| 14 | Suwannee County | 39.6% | $563 | $1,422 |
| 15 | Gadsden County | 39.0% | $527 | $1,353 |
| 16 | Union County | 38.8% | $542 | $1,398 |
| 17 | Okeechobee County | 38.7% | $604 | $1,559 |
| 18 | Highlands County | 38.6% | $598 | $1,547 |
| 19 | Washington County | 38.6% | $524 | $1,357 |
| 20 | Levy County | 38.5% | $573 | $1,488 |
| 21 | Hendry County | 38.5% | $633 | $1,646 |
| 22 | Columbia County | 38.3% | $617 | $1,612 |
| 23 | Gilchrist County | 37.7% | $617 | $1,637 |
| 24 | Bradford County | 37.5% | $578 | $1,541 |
| 25 | Jefferson County | 37.3% | $632 | $1,693 |
| 26 | Alachua County | 37.0% | $836 | $2,260 |
| 27 | Marion County | 36.9% | $690 | $1,868 |
| 28 | Wakulla County | 36.4% | $662 | $1,817 |
| 29 | Polk County | 36.2% | $726 | $2,008 |
| 30 | Hernando County | 36.0% | $724 | $2,009 |
| 31 | Baker County | 36.0% | $675 | $1,876 |
| 32 | St. Lucie County | 35.9% | $915 | $2,547 |
| 33 | Charlotte County | 35.8% | $867 | $2,421 |
| 34 | Citrus County | 35.8% | $665 | $1,856 |
| 35 | Leon County | 35.7% | $828 | $2,322 |
| 36 | Pasco County | 35.6% | $785 | $2,204 |
| 37 | Duval County | 35.5% | $808 | $2,275 |
| 38 | Escambia County | 35.5% | $688 | $1,938 |
| 39 | Volusia County | 35.5% | $815 | $2,299 |
| 40 | Lake County | 35.3% | $838 | $2,375 |
| 41 | Gulf County | 35.2% | $684 | $1,942 |
| 42 | Clay County | 35.1% | $812 | $2,315 |
| 43 | Franklin County | 35.0% | $730 | $2,088 |
| 44 | Lee County | 34.8% | $928 | $2,670 |
| 45 | Broward County | 34.8% | $1,082 | $3,112 |
| 46 | Hillsborough County | 34.7% | $945 | $2,725 |
| 47 | Osceola County | 34.6% | $899 | $2,594 |
| 48 | Flagler County | 34.4% | $932 | $2,712 |
| 49 | Brevard County | 34.3% | $850 | $2,475 |
| 50 | Indian River County | 34.3% | $877 | $2,557 |
| 51 | Sumter County | 34.3% | $991 | $2,891 |
| 52 | Bay County | 34.2% | $770 | $2,248 |
| 53 | Pinellas County | 34.2% | $886 | $2,589 |
| 54 | Palm Beach County | 34.0% | $1,119 | $3,294 |
| 55 | Manatee County | 34.0% | $989 | $2,910 |
| 56 | Orange County | 33.9% | $982 | $2,895 |
| 57 | Martin County | 33.7% | $1,049 | $3,113 |
| 58 | Nassau County | 33.7% | $952 | $2,826 |
| 59 | Santa Rosa County | 33.7% | $819 | $2,432 |
| 60 | Sarasota County | 33.5% | $1,006 | $2,997 |
| 61 | Miami-Dade County | 33.4% | $1,139 | $3,410 |
| 62 | Seminole County | 33.4% | $955 | $2,863 |
| 63 | Okaloosa County | 33.2% | $863 | $2,597 |
| 64 | St. Johns County | 32.7% | $1,187 | $3,630 |
| 65 | Collier County | 31.6% | $1,202 | $3,801 |
| 66 | Walton County | 31.3% | $917 | $2,927 |
| 67 | Monroe County | 29.3% | $1,603 | $5,467 |
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
Highest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Florida