Ranked from ACS 2023 5-Year
Lowest Costs Beyond the Mortgage in Florida
Where the mortgage is most of what owning costs, and everything else is a thin slice on top. These are the counties where a payoff changes the most: the share in the first column is roughly what you would still be paying every month with no mortgage left at all. Modelled at 20% down at the rate this site currently uses, so the share moves with both.
Florida ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Monroe County | 29.3% | $1,603 | $5,467 |
| 2 | Walton County | 31.3% | $917 | $2,927 |
| 3 | Collier County | 31.6% | $1,202 | $3,801 |
| 4 | St. Johns County | 32.7% | $1,187 | $3,630 |
| 5 | Okaloosa County | 33.2% | $863 | $2,597 |
| 6 | Seminole County | 33.4% | $955 | $2,863 |
| 7 | Miami-Dade County | 33.4% | $1,139 | $3,410 |
| 8 | Sarasota County | 33.5% | $1,006 | $2,997 |
| 9 | Santa Rosa County | 33.7% | $819 | $2,432 |
| 10 | Nassau County | 33.7% | $952 | $2,826 |
| 11 | Martin County | 33.7% | $1,049 | $3,113 |
| 12 | Orange County | 33.9% | $982 | $2,895 |
| 13 | Manatee County | 34.0% | $989 | $2,910 |
| 14 | Palm Beach County | 34.0% | $1,119 | $3,294 |
| 15 | Pinellas County | 34.2% | $886 | $2,589 |
| 16 | Bay County | 34.2% | $770 | $2,248 |
| 17 | Sumter County | 34.3% | $991 | $2,891 |
| 18 | Indian River County | 34.3% | $877 | $2,557 |
| 19 | Brevard County | 34.3% | $850 | $2,475 |
| 20 | Flagler County | 34.4% | $932 | $2,712 |
| 21 | Osceola County | 34.6% | $899 | $2,594 |
| 22 | Hillsborough County | 34.7% | $945 | $2,725 |
| 23 | Broward County | 34.8% | $1,082 | $3,112 |
| 24 | Lee County | 34.8% | $928 | $2,670 |
| 25 | Franklin County | 35.0% | $730 | $2,088 |
| 26 | Clay County | 35.1% | $812 | $2,315 |
| 27 | Gulf County | 35.2% | $684 | $1,942 |
| 28 | Lake County | 35.3% | $838 | $2,375 |
| 29 | Volusia County | 35.5% | $815 | $2,299 |
| 30 | Escambia County | 35.5% | $688 | $1,938 |
| 31 | Duval County | 35.5% | $808 | $2,275 |
| 32 | Pasco County | 35.6% | $785 | $2,204 |
| 33 | Leon County | 35.7% | $828 | $2,322 |
| 34 | Citrus County | 35.8% | $665 | $1,856 |
| 35 | Charlotte County | 35.8% | $867 | $2,421 |
| 36 | St. Lucie County | 35.9% | $915 | $2,547 |
| 37 | Baker County | 36.0% | $675 | $1,876 |
| 38 | Hernando County | 36.0% | $724 | $2,009 |
| 39 | Polk County | 36.2% | $726 | $2,008 |
| 40 | Wakulla County | 36.4% | $662 | $1,817 |
| 41 | Marion County | 36.9% | $690 | $1,868 |
| 42 | Alachua County | 37.0% | $836 | $2,260 |
| 43 | Jefferson County | 37.3% | $632 | $1,693 |
| 44 | Bradford County | 37.5% | $578 | $1,541 |
| 45 | Gilchrist County | 37.7% | $617 | $1,637 |
| 46 | Columbia County | 38.3% | $617 | $1,612 |
| 47 | Hendry County | 38.5% | $633 | $1,646 |
| 48 | Levy County | 38.5% | $573 | $1,488 |
| 49 | Washington County | 38.6% | $524 | $1,357 |
| 50 | Highlands County | 38.6% | $598 | $1,547 |
| 51 | Okeechobee County | 38.7% | $604 | $1,559 |
| 52 | Union County | 38.8% | $542 | $1,398 |
| 53 | Gadsden County | 39.0% | $527 | $1,353 |
| 54 | Suwannee County | 39.6% | $563 | $1,422 |
| 55 | Calhoun County | 40.6% | $488 | $1,204 |
| 56 | Putnam County | 41.0% | $545 | $1,332 |
| 57 | DeSoto County | 41.0% | $562 | $1,371 |
| 58 | Lafayette County | 41.3% | $494 | $1,197 |
| 59 | Jackson County | 42.5% | $450 | $1,058 |
| 60 | Hardee County | 43.6% | $533 | $1,224 |
| 61 | Liberty County | 43.8% | $489 | $1,117 |
| 62 | Hamilton County | 43.8% | $460 | $1,049 |
| 63 | Holmes County | 43.9% | $424 | $965 |
| 64 | Glades County | 44.7% | $496 | $1,109 |
| 65 | Taylor County | 45.0% | $438 | $973 |
| 66 | Madison County | 45.0% | $463 | $1,029 |
| 67 | Dixie County | 45.6% | $433 | $950 |
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
Lowest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Florida