Calculators built with honest Florida math. Save Our Homes resets, real insurance premiums, county-specific tax rates. The numbers most calculators get wrong.
Each tool uses real 2025 Florida data and produces results most generic calculators miss.
Enter your income and down payment and see the max home price you can afford in every Florida county, with each county’s real property tax and insurance built in, plus where the typical home actually fits your budget.
Open calculator → Per-county · NewThe real monthly cost to own in any Florida county: principal, interest, property tax with the homestead exemption, the county average insurance premium, HOA, CDD and PMI, plus what share of local income it eats. Pre-filled with verified per-county data, not national averages.
Open calculator → Per-county · NewFind out if you are required to carry flood insurance in Florida and what it costs. Covers the Citizens $400,000 rule (every policy by 2027, even outside a flood zone), the lender requirement in FEMA high-risk zones, and statewide premium ranges by zone. Plain English, no guesswork.
Open calculator → Live MLS · NewMonths of supply for 800-plus Northeast Florida communities, live from realMLS and refreshed twice a day. See which neighborhoods favor sellers and which finally give buyers room, with pending counts, median price, dollars per square foot and days on market. One metro number hides all of this.
Open the tracker → BuyerThe real monthly number: principal and interest plus county property tax using FY2025-26 millage with homestead logic, insurance, PMI with auto-drop, and HOA/CDD. Live Freddie Mac rate default, amortization schedule, and cash to close.
Open calculator → BuyerA month-by-month net-worth comparison built for Northeast Florida. Finds the maximum purchase price where buying still beats renting, including taxes, insurance, HOA/CDD, maintenance, PMI, appreciation, and what your cash earns in stocks if you keep renting.
Open calculator → SellerWhat you actually walk away with after the payoff, commission, Florida documentary stamp tax, owner's title insurance, and closing costs. Built on Florida promulgated rates and Northeast Florida customs.
Open calculator → Property TaxYour real year-1 Florida property tax at purchase for all 67 counties, plus your estimated savings under the proposed DeSantis $250K homestead exemption. 10-year Save Our Homes projection and a tax-shock comparison against the seller's bill.
Open calculator → Carrying CostThe cost buyers miss. Combine property tax, the CDD assessment, and HOA dues into one real monthly number on top of your mortgage. Built for Northeast Florida master-planned communities.
Open calculator → Property TaxRates, a worked year-1 bill, and the proposed DeSantis $250K exemption savings for every major Florida county. The estimator behind it covers all 67.
Browse counties →Input income, get maximum home price plus full monthly carrying cost (PITI + insurance + HOA) across NE Florida metros.
Rates are finally falling. See whether your renewal tracked the 2026 market cuts (Citizens about 8.7%, State Farm about 20% cumulative, 17 new carriers) and estimate what reshopping your policy could be worth. Built for all 67 counties.
Open calculator →Input community and home price, get 30-year CDD assessment cost. Nocatee, SilverLeaf, Wildlight, eTown, Bartram Ranch.
Current state plus target metro plus income, get 5-year cost comparison. Tax delta, insurance delta, cost-of-living layered.
Own a home here?
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the RealMLS member average and 8 days faster, and we’ll price yours against live your area comps.
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
