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? |
|---|
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.
What changed: the October 2026 update
Updated October 28, 2026. Mortgage rates moved the most since this calculator launched. Freddie Mac's survey for the week ending October 22, 2026 put the average 30-year fixed rate at 7.32%, after two weeks at 7.40%, the highest reading since late 2023; the 15-year average was 6.68%. At 7.32%, every $100,000 borrowed over 30 years costs about $687 a month in principal and interest, before taxes and insurance.
| Area | Active | Pending | Sold, 12 mo | Median sold | Median list | Days on market | Months of supply |
|---|---|---|---|---|---|---|---|
| Duval County | 4,277 | 1,436 | 13,632 | $310,000 | $303,900 | 64 | 3.8 (Seller's market) |
| St Johns County | 1,956 | 873 | 7,152 | $539,877 | $529,945 | 68 | 3.3 (Seller's market) |
| Clay County | 1,171 | 405 | 3,603 | $360,000 | $359,990 | 71 | 3.9 (Seller's market) |
| Nassau County | 576 | 180 | 1,516 | $430,000 | $499,000 | 76 | 4.6 (Balanced) |
| Flagler County | 1,403 | 251 | 3,094 | $400,000 | $390,900 | 52 | 5.4 (Balanced) |
| Putnam County | 410 | 75 | 814 | $307,500 | $244,900 | 85 | 6.0 (Buyer's market) |
Prices in Northeast Florida held steadier than rates. On October 28, 2026, the 12-month median sold price was $310,000 in Duval County, $360,000 in Clay County, $539,877 in St. Johns County and $430,000 in Nassau County (Momentum Realty Market Pulse). Statewide, Florida MLS records show 22,949 closings in September 2026 against 23,376 a year earlier, with the median seller closing at 94.9% of the original asking price (93.8% a year earlier).
What income do I need to buy a median-priced home in Duval County?
With 3.5% down on the $310,000 Duval median sold price, a $299,150 loan at 7.32% costs about $2,055 a month in principal and interest. Add property tax, insurance and any HOA or CDD fees, and keep the total near 28% to 31% of gross income, which puts the household income needed at roughly $105,000 to $120,000 once tax, insurance and mortgage insurance are added, before other debts. Enter your own numbers above for a county-specific answer.
How much does a 1% change in mortgage rates change what I can afford?
At current rates, a one-point rise cuts buying power by roughly 10%. A payment that supports about $300,000 at 6.32% supports roughly $270,000 at 7.32%, all else equal.
Newer on this topic:
- mortgage rates, week of October 22, 2026
- rate buydown reset calculator
- rent vs. buy by county
- buyer closing costs calculator
Sources: Freddie Mac Primary Mortgage Market Survey, week ending October 22, 2026; Momentum Realty Market Pulse, computed from realMLS (NEFAR) listing data as of October 28, 2026; medians for list price, price per square foot and days on market use current active listings, and the median sold price uses closings over the past 12 months; Momentum Research, Florida closed sales and sale-to-list ratio, September 2026, computed from licensed MLS records. Figures change daily; verify before relying on them. Equal Housing Opportunity.