How much do homeowners pay a month in Pea Ridge, FL?

Name: Homeowner costs in Pea Ridge, FL, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Pea Ridge, FL pay a median of $1,160 (±$34) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $492 (±$71).

54.4% of owned homes carry a mortgage.

In Pea Ridge, the median monthly cost with a mortgage went from $1,055 in 2015–2019 to $1,160 in 2020–2024 (+10.0%).

Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.

Figures last updated on November 12, 2026.

With a mortgage: $1,160 (±$34)
Without a mortgage: $492 (±$71)
Owned with a mortgage: 54.4%

Monthly owner costs in Pea Ridge

Median selected monthly owner costs, estimate (90% margin of error)
	Pea Ridge	Santa Rosa County	Florida	United States
With a mortgage	$1,160 (±$34)	$1,855 (±$42)	$1,959 (±$5)	$1,963
Without a mortgage	$492 (±$71)	$555 (±$25)	$673 (±$3)	$638
Owned homes with a mortgage	54.4% (±13.4 points)	63.3% (±1.7 points)	56.3% (±0.2 points)	60.6%
Median real estate taxes (a year)	$945 (±$112)	$1,891 (±$63)	$2,730 (±$10)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Pea Ridge, the median cost with a mortgage is lower than in Santa Rosa County ($1,855).

It is also lower than in Florida ($1,959).

It is lower than the national figure ($1,963).

In Santa Rosa County, Pea Ridge ranks 16 of 16 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 775 of 830.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Pea Ridge have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$1,055 (±$88)	$1,160 (±$34)	+10.0%	Down after inflation
Median real estate taxes	$649 (±$64)	$945 (±$112)	+45.6%	Up after inflation
Median home value	$121,200 (±$11,051)	$220,800 (±$16,563)	+82.2%	Up after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Pea Ridge

Nearest places with a published estimate, compared with Pea Ridge
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Pea Ridge	—	$1,160 (±$34)	—
Bagdad	3.4 mi	$1,411 (±$121)	Higher
Milton	3.6 mi	$1,554 (±$113)	Higher
Pace	4.1 mi	$1,751 (±$83)	Higher
Point Baker	6.7 mi	$1,420 (±$91)	Higher
Ferry Pass	7.5 mi	$1,543 (±$98)	Higher
Wallace	7.7 mi	$2,021 (±$278)	Higher
East Milton	8.1 mi	$1,434 (±$131)	Higher
Gonzalez	11 mi	$1,803 (±$76)	Higher

Nearby places with a measurably higher figure: Bagdad, FL ($1,411), Milton, FL ($1,554), Pace, FL ($1,751).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Santa Rosa County, place by place

Rank	Place	Median monthly cost with a mortgage
10	Pace	$1,751 (±$83)
11	Milton	$1,554 (±$113)
12	East Milton	$1,434 (±$131)
13	Point Baker	$1,420 (±$91)
14	Bagdad	$1,411 (±$121)
15	Jay	$1,408 (±$106)
16	Pea Ridge	$1,160 (±$34)

Showing 7 of 16 places in Santa Rosa County, ranked from highest to lowest.

Pea Ridge is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

What you can do on Seayora in Pea Ridge

One account for renting, owning, managing and fixing homes, with these figures beside you.

Own or manage a rental?

List it, sign the lease and collect rent online, with the figures for Pea Ridge beside you.

Create a landlord account · See what landlords get

Looking for a place to rent?

Browse homes for rent near Pea Ridge, save the ones you like and apply online.

Browse rentals · Create a renter account

Do repairs, renovations or maintenance?

Get found by owners and renters near Pea Ridge, and send estimates and invoices from your phone.

Join as a pro · Find a pro

Questions about Pea Ridge

What is the average mortgage payment in Pea Ridge?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Pea Ridge, FL is $1,160 (±$34) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Pea Ridge?

Owners without a mortgage in Pea Ridge pay a median of $492 (±$71) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Pea Ridge gone up?

In Pea Ridge, the median monthly cost with a mortgage went from $1,055 in 2015–2019 to $1,160 in 2020–2024 (+10.0%).

Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Pea Ridge CDP, Florida (place:55532, in state:12).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.