The typical owner-occupied home in Saint Leo is worth about $520,800, 45% above the Florida median of $359,000 and 57% above the national median of $332,700. Owners pay a median $2,875 a year in property taxes, about 0.55% of their home's value, lower than the Florida rate of 0.76%. The median household earns $96,389 a year, so the median home costs 5.4 times the median income (4.8 times for Florida). 93% of occupied homes here are lived in by their owners, and 33% of those owners still have a mortgage.
Saint Leo at a glance
| Saint Leo | Florida | U.S. | |
|---|---|---|---|
| Median home value | $520,800 | $359,000 | $332,700 |
| Median property tax paid per year | $2,875 | $2,730 | $3,119 |
| Property tax as a share of value | 0.55% | 0.76% | 0.94% |
| Median household income | $96,389 | $74,568 | $80,734 |
| Homes lived in by their owners | 93% | 68% | 65% |
| Owner homes with a mortgage | 33% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $2,536 | $1,959 | $1,963 |
| Those costs as a share of the owners' income | 19.2% | 23.6% | 21.0% |
| Median rent | – | $1,669 | $1,413 |
| Median year homes were built | 1983 | 1988 | 1980 |
| Vacant homes | 16.0% | 14.7% | 10.1% |
| Population | 1,985 | 22,416,077 | 334,922,499 |
What a typical home costs per month in Saint Leo
At this week's average 30-year rate of 7.11%, buying the median Saint Leo home of $520,800 with 20% down costs about $3,258 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $4,126, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $139,648 for the 20%-down payment. That payment is 41% of the median Saint Leo household income of $96,389; at that income and 20% down, the 28% guideline points to a home of about $359,000.
| Down payment | $104,160 |
|---|---|
| Loan amount | $416,640 |
| Principal and interest | $2,803 |
| Property taxes (0.55% a year) | $239 |
| Homeowners insurance (our estimate, 0.5% a year) | $217 |
| PMI | $0 |
| Total per month | $3,258 |
Change the numbers in the calculator
| Down payment | $18,228 |
|---|---|
| Loan amount | $511,367 |
| Principal and interest | $3,440 |
| Property taxes (0.55% a year) | $239 |
| Homeowners insurance (our estimate, 0.5% a year) | $217 |
| FHA mortgage insurance | $230 |
| Total per month | $4,126 |
Change the numbers in the calculator
Questions about home buying in Saint Leo
What is the median home value in Saint Leo?
About $520,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Saint Leo?
Homeowners pay a median $2,875 a year, which is about 0.55% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Saint Leo?
For the median home with 20% down at 7.11%, the payment is about $3,258 a month. Keeping that under 28% of gross income takes about $139,648 a year.
More about Saint Leo
- Mortgage Refinance in Saint Leo
- Debt Relief in Saint Leo
- Home Equity Loans in Saint Leo
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data