The typical owner-occupied home in Osprey is worth about $750,000, 2.1 times the Florida median of $359,000 and 2.3 times the national median of $332,700. Owners pay a median $5,256 a year in property taxes, about 0.70% of their home's value, lower than the Florida rate of 0.76%. The median household earns $103,516 a year, so the median home costs 7.2 times the median income (4.8 times for Florida). 87% of occupied homes here are lived in by their owners, and 44% of those owners still have a mortgage.
Osprey at a glance
| Osprey | Florida | U.S. | |
|---|---|---|---|
| Median home value | $750,000 | $359,000 | $332,700 |
| Median property tax paid per year | $5,256 | $2,730 | $3,119 |
| Property tax as a share of value | 0.70% | 0.76% | 0.94% |
| Median household income | $103,516 | $74,568 | $80,734 |
| Homes lived in by their owners | 87% | 68% | 65% |
| Owner homes with a mortgage | 44% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $2,603 | $1,959 | $1,963 |
| Those costs as a share of the owners' income | 22.9% | 23.6% | 21.0% |
| Median rent | $2,196 | $1,669 | $1,413 |
| Rent as a share of renters' income | 38.7% | 35.2% | 30.6% |
| Median year homes were built | 1998 | 1988 | 1980 |
| Vacant homes | 22.3% | 14.7% | 10.1% |
| Population | 5,943 | 22,416,077 | 334,922,499 |
What a typical home costs per month in Osprey
At this week's average 30-year rate of 7.11%, buying the median Osprey home of $750,000 with 20% down costs about $4,786 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $6,036, 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 $205,125 for the 20%-down payment. That payment is 55% of the median Osprey household income of $103,516; at that income and 20% down, the 28% guideline points to a home of about $378,000.
The median rent here is $2,196 a month, so owning the median home costs about $2,590 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $150,000 |
|---|---|
| Loan amount | $600,000 |
| Principal and interest | $4,036 |
| Property taxes (0.70% a year) | $438 |
| Homeowners insurance (our estimate, 0.5% a year) | $312 |
| PMI | $0 |
| Total per month | $4,786 |
Change the numbers in the calculator
| Down payment | $26,250 |
|---|---|
| Loan amount | $736,416 |
| Principal and interest | $4,954 |
| Property taxes (0.70% a year) | $438 |
| Homeowners insurance (our estimate, 0.5% a year) | $312 |
| FHA mortgage insurance | $332 |
| Total per month | $6,036 |
Change the numbers in the calculator
Questions about home buying in Osprey
What is the median home value in Osprey?
About $750,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Osprey?
Homeowners pay a median $5,256 a year, which is about 0.70% 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 Osprey?
For the median home with 20% down at 7.11%, the payment is about $4,786 a month. Keeping that under 28% of gross income takes about $205,125 a year.
More about Osprey
- Mortgage Refinance in Osprey
- Debt Relief in Osprey
- Home Equity Loans in Osprey
- 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