What can you actually buy in Florida?
Most affordability calculators ignore the two things that wreck Florida budgets: property tax and insurance, both of which swing hard by county. Enter your income and down payment and see your real max price in every county, and exactly where the typical home fits.
| County | Max price you can afford | Typical home | Fits? |
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Max price is the home whose full monthly cost (principal, interest, county property tax with homestead, insurance and PMI) fits your housing budget. Tap a county for its scorecard, or run exact numbers in the True Cost of Ownership calculator or, for a rental, the investment property calculator. Estimate, not a pre-approval.
Why does my max price differ by county?
Because property tax and insurance vary a lot across Florida. A higher-tax, higher-insurance county eats more of your monthly budget, so the same income buys less house there. This calculator solves for each county's real numbers instead of a single statewide guess.
How is affordability calculated?
We take a share of your gross income for housing (30% by default), then solve for the home price whose full monthly cost, principal and interest plus that county's property tax with homestead, insurance and PMI, fits that budget. Adjust the share and rate to match your situation.
Where does the data come from?
Property tax uses verified FY2025-26 county millage with Florida homestead logic; insurance is the county average Citizens premium; typical home value is from Zillow. Replace the insurance with a real quote for your home before relying on the result.