Ranked from ACS 2023 5-Year
Most Expensive Counties to Own a Home Outright in Florida
The counties where a paid-off house still costs the most to keep. For retirees on a fixed income this figure matters more than the purchase price, because it never goes away and it rises with assessments.
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 | Monroe County | $1,603 | $723,800 | 0.545% |
| 2 | Collier County | $1,202 | $486,800 | 0.661% |
| 3 | St. Johns County | $1,187 | $457,600 | 0.775% |
| 4 | Miami-Dade County | $1,139 | $425,400 | 0.827% |
| 5 | Palm Beach County | $1,119 | $407,300 | 0.884% |
| 6 | Broward County | $1,082 | $380,400 | 0.949% |
| 7 | Martin County | $1,049 | $386,500 | 0.807% |
| 8 | Sarasota County | $1,006 | $373,100 | 0.757% |
| 9 | Sumter County | $991 | $356,000 | 0.826% |
| 10 | Manatee County | $989 | $359,800 | 0.793% |
| 11 | Orange County | $982 | $358,300 | 0.780% |
| 12 | Seminole County | $955 | $357,300 | 0.698% |
| 13 | Nassau County | $952 | $351,100 | 0.729% |
| 14 | Hillsborough County | $945 | $333,300 | 0.836% |
| 15 | Flagler County | $932 | $333,400 | 0.788% |
| 16 | Lee County | $928 | $326,300 | 0.827% |
| 17 | Walton County | $917 | $376,400 | 0.454% |
| 18 | St. Lucie County | $915 | $305,800 | 0.946% |
| 19 | Osceola County | $899 | $317,600 | 0.787% |
| 20 | Pinellas County | $886 | $319,000 | 0.729% |
| 21 | Indian River County | $877 | $314,700 | 0.727% |
| 22 | Charlotte County | $867 | $291,000 | 0.887% |
| 23 | Okaloosa County | $863 | $324,800 | 0.600% |
| 24 | Brevard County | $850 | $304,400 | 0.703% |
| 25 | Lake County | $838 | $287,900 | 0.793% |
| 26 | Alachua County | $836 | $266,800 | 0.983% |
| 27 | Leon County | $828 | $279,800 | 0.824% |
| 28 | Santa Rosa County | $819 | $302,100 | 0.599% |
| 29 | Volusia County | $815 | $278,000 | 0.784% |
| 30 | Clay County | $812 | $281,500 | 0.739% |
| 31 | Duval County | $808 | $274,900 | 0.779% |
| 32 | Pasco County | $785 | $265,800 | 0.763% |
| 33 | Bay County | $770 | $276,900 | 0.597% |
| 34 | Franklin County | $730 | $254,300 | 0.618% |
| 35 | Polk County | $726 | $240,000 | 0.737% |
| 36 | Hernando County | $724 | $240,700 | 0.720% |
| 37 | Marion County | $690 | $220,800 | 0.751% |
| 38 | Escambia County | $688 | $234,200 | 0.600% |
| 39 | Gulf County | $684 | $235,700 | 0.566% |
| 40 | Baker County | $675 | $225,000 | 0.627% |
| 41 | Citrus County | $665 | $223,200 | 0.591% |
| 42 | Wakulla County | $662 | $216,300 | 0.651% |
| 43 | Hendry County | $633 | $189,700 | 0.801% |
| 44 | Jefferson County | $632 | $198,800 | 0.678% |
| 45 | Columbia County | $617 | $186,400 | 0.743% |
| 46 | Gilchrist County | $617 | $191,000 | 0.681% |
| 47 | Okeechobee County | $604 | $179,000 | 0.754% |
| 48 | Highlands County | $598 | $177,900 | 0.728% |
| 49 | Bradford County | $578 | $180,300 | 0.567% |
| 50 | Levy County | $573 | $171,400 | 0.648% |
| 51 | Suwannee County | $563 | $160,900 | 0.727% |
| 52 | DeSoto County | $562 | $151,500 | 0.873% |
| 53 | Putnam County | $545 | $147,300 | 0.812% |
| 54 | Union County | $542 | $160,400 | 0.580% |
| 55 | Hardee County | $533 | $129,400 | 1.049% |
| 56 | Gadsden County | $527 | $154,700 | 0.552% |
| 57 | Washington County | $524 | $156,000 | 0.504% |
| 58 | Glades County | $496 | $114,800 | 1.013% |
| 59 | Lafayette County | $494 | $131,600 | 0.646% |
| 60 | Liberty County | $489 | $117,600 | 0.877% |
| 61 | Calhoun County | $488 | $134,000 | 0.554% |
| 62 | Madison County | $463 | $105,900 | 0.876% |
| 63 | Hamilton County | $460 | $110,400 | 0.730% |
| 64 | Jackson County | $450 | $113,900 | 0.549% |
| 65 | Taylor County | $438 | $100,200 | 0.723% |
| 66 | Dixie County | $433 | $96,900 | 0.738% |
| 67 | Holmes County | $424 | $101,400 | 0.520% |
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
Most Expensive Counties to Own a Home Outright across all 3,133 US counties · Every county in Florida