What a Florida home actually costs per month.
The mortgage payment is the easy part. This adds the real stuff that breaks Florida budgets: property tax with the homestead exemption, the county's average insurance premium, HOA, CDD and PMI. Pick your county and price; every number is pre-filled with verified local data.
Property tax uses verified FY2025-26 county millage with Florida homestead logic (same engine as our Save Our Homes and CDD tools). Insurance prefills to the county average Citizens premium (the state insurer of last resort) - replace it with a real quote for your home. PMI assumed at 0.6%/yr of the loan when you put under 20% down. This is an estimate, not a quote. See your county's full housing scorecard, work backward from income with the affordability calculator, or run a rental with the investment property calculator.
Why is owning in Florida more expensive than the mortgage payment suggests?
Because the payment is only part of it. Property tax, homeowners insurance, HOA and CDD fees, and PMI can add hundreds or thousands a month. In Florida, insurance especially has exploded, which is why this calculator uses each county's real average premium instead of a national guess.
Where does the data come from?
Property tax uses verified FY2025-26 county millage with Florida's homestead exemption logic. Insurance prefills to the county's average Citizens premium. Income and typical home value are from Census and Zillow. The mortgage rate is the current Freddie Mac 30-year average.
Is the insurance number exact?
It is the county's average Citizens (state insurer of last resort) premium, a realistic Florida starting point that you should replace with a real quote for your specific home. Private-market premiums vary widely by roof age, elevation and flood zone.