Florida Mortgage Calculator
Estimate your monthly payment in Florida — including property tax (0.91% effective rate), home insurance, and PMI. Pre-filled with Florida averages for 2026.
= $80,000 down
See pre-qualified rates from Florida lenders without affecting your credit.
Digital pre-approval in minutes — no application fee.
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Mortgage costs in Florida
The average Florida homeowner pays roughly $303/month in property tax on a median-priced home, plus about $300/month in home insurance. Property tax is billed by your county — actual rates vary from the state average, so check your county assessor's site for exact figures.
How much house can I afford in Florida?
A common rule is to keep total housing costs (PITI) under 28% of gross monthly income. At current rates, buying the median Florida home ($400,000) with 20% down requires roughly $114,808 in annual income.