Florida
Florida Mortgage Calculator
Start with Florida's 0.83% average effective property tax rate and then refine county tax, insurance, flood, and CDD assumptions to get decision-ready payment math.
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Florida true payment estimate
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County Tax Table
Florida Property Tax by County
These effective rates reflect total taxes paid as a share of market value and are directional planning inputs, not final listing underwriting values.
| Broward (Fort Lauderdale, Hollywood) | 1.07% | $5,350/yr | $10,700/yr |
| Miami-Dade (Miami, Hialeah) | 1.02% | $5,100/yr | $10,200/yr |
| Hillsborough (Tampa, Brandon) | 0.93% | $4,650/yr | $9,300/yr |
| Duval (Jacksonville) | 0.91% | $4,550/yr | $9,100/yr |
| Osceola (Kissimmee, St. Cloud) | 0.91% | $4,550/yr | $9,100/yr |
| Pasco (New Port Richey, Wesley Chapel) | 0.90% | $4,500/yr | $9,000/yr |
| Palm Beach (West Palm Beach, Boca Raton) | 0.89% | $4,450/yr | $8,900/yr |
| Orange (Orlando, Kissimmee) | 0.89% | $4,450/yr | $8,900/yr |
| Volusia (Daytona Beach, Deltona) | 0.89% | $4,450/yr | $8,900/yr |
| Pinellas (St. Petersburg, Clearwater) | 0.87% | $4,350/yr | $8,700/yr |
| Polk (Lakeland, Winter Haven) | 0.86% | $4,300/yr | $8,600/yr |
| Seminole (Sanford, Altamonte Springs) | 0.85% | $4,250/yr | $8,500/yr |
| Alachua (Gainesville) | 0.84% | $4,200/yr | $8,400/yr |
| Manatee (Bradenton) | 0.83% | $4,150/yr | $8,300/yr |
| Lee (Fort Myers, Cape Coral) | 0.81% | $4,050/yr | $8,100/yr |
| Marion (Ocala) | 0.81% | $4,050/yr | $8,100/yr |
| Sarasota (Sarasota, Venice) | 0.78% | $3,900/yr | $7,800/yr |
| Brevard (Melbourne, Cape Canaveral) | 0.75% | $3,750/yr | $7,500/yr |
| Escambia (Pensacola) | 0.70% | $3,500/yr | $7,000/yr |
| Collier (Naples, Marco Island) | 0.61% | $3,050/yr | $6,100/yr |
Non-homestead properties are often taxed higher than homestead owner-occupied homes. Always validate the actual property appraiser record before offer submission.
Need the full county breakdown with homestead, Save Our Homes, portability, and CDD context? Read the Florida Property Tax by County guide before you trust any seller-era tax bill.
Why Florida Is Different
Why Florida Mortgage Math Is Different
Florida payment planning starts with insurance, not rate-shopping. The statewide default of about $3,500 per year is already elevated, and many coastal homes land far above that baseline.
Florida's 0.83% average effective tax rate is lower than many states, but listing tax history can be misleading. Seller homestead and Save Our Homes treatment can suppress current bill amounts that do not carry forward cleanly to the new owner.
Florida has no state income tax, which means property tax is one of the primary recurring ownership costs buyers need to underwrite honestly alongside insurance and HOA.
CDD assessments are a Florida-specific carrying-cost variable. In planned communities, they are billed through the tax line and can add meaningful monthly cost that common listing calculators ignore.
Flood insurance is separate from standard homeowners coverage. Zone A and Zone V homes usually require a separate flood policy, and many coastal buyers also need dedicated windstorm coverage where standard policies limit or exclude wind risk.
When private-market options are limited, Citizens Property Insurance Corporation (Citizens) can become the insurer of last resort, which is why carrier path and quote validation should happen before final offer decisions.
Use this page as the starting range, then replace tax, insurance, flood, HOA, and CDD with listing-level numbers before final affordability decisions.
Related Florida Guides
Go Deeper on Florida Taxes and Buyer Programs
Florida Property Tax by County
See all 67 counties, first-year homestead timing, Save Our Homes reset risk, portability, and CDD planning in one place.
Florida First-Time Buyer Programs
Compare Florida Housing, FL Assist, FL HLP, Hometown Heroes, and local SHIP options before you assume the cheapest cash-to-close path is the best fit.
Property Tax Calculator
Stress-test annual tax, monthly escrow, and exemption scenarios before you decide what payment is really comfortable.
City Calculators
Browse Florida City Mortgage Calculators
Miami, FL
Miami-Dade County
Open Miami defaults with local tax, insurance, and HOA context.
Orlando, FL
Orange County
Open Orlando defaults with local tax, insurance, and HOA context.
Tampa, FL
Hillsborough County
Open Tampa defaults with local tax, insurance, and HOA context.
Jacksonville, FL
Duval County
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Fort Lauderdale, FL
Broward County
Open Fort Lauderdale defaults with local tax, insurance, and HOA context.
Naples, FL
Collier County
Open Naples defaults with local tax, insurance, and HOA context.
Sarasota, FL
Sarasota County
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St. Petersburg, FL
Pinellas County
Open St. Petersburg defaults with local tax, insurance, and HOA context.
West Palm Beach, FL
Palm Beach County
Open West Palm Beach defaults with local tax, insurance, and HOA context.
Cape Coral, FL
Lee County
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Clearwater, FL
Pinellas County
Open Clearwater defaults with local tax, insurance, and HOA context.
Daytona Beach, FL
Volusia County
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Tallahassee, FL
Leon County
Open Tallahassee defaults with local tax, insurance, and HOA context.
Pensacola, FL
Escambia County
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Gainesville, FL
Alachua County
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Ocala, FL
Marion County
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Deltona, FL
Volusia County
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Palm Bay, FL
Brevard County
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Lakeland, FL
Polk County
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Hollywood, FL
Broward County
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Coral Springs, FL
Broward County
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Boca Raton, FL
Palm Beach County
Open Boca Raton defaults with local tax, insurance, and HOA context.
Delray Beach, FL
Palm Beach County
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Boynton Beach, FL
Palm Beach County
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Lake Worth Beach, FL
Palm Beach County
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Pembroke Pines, FL
Broward County
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Miramar, FL
Broward County
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Deerfield Beach, FL
Broward County
Open Deerfield Beach defaults with local tax, insurance, and HOA context.
Pompano Beach, FL
Broward County
Open Pompano Beach defaults with local tax, insurance, and HOA context.
Hialeah, FL
Miami-Dade County
Open Hialeah defaults with local tax, insurance, and HOA context.
Doral, FL
Miami-Dade County
Open Doral defaults with local tax, insurance, and HOA context.
Homestead, FL
Miami-Dade County
Open Homestead defaults with local tax, insurance, and HOA context.
Kissimmee, FL
Osceola County
Open Kissimmee defaults with local tax, insurance, and HOA context.
St. Cloud, FL
Osceola County
Open St. Cloud defaults with local tax, insurance, and HOA context.
Wesley Chapel, FL
Pasco County
Open Wesley Chapel defaults with local tax, insurance, and HOA context.
Winter Park, FL
Orange County
Open Winter Park defaults with local tax, insurance, and HOA context.
Port St. Lucie, FL
St. Lucie County
Open Port St. Lucie defaults with local tax, insurance, and HOA context.
Fort Myers, FL
Lee County
Open Fort Myers defaults with local tax, insurance, and HOA context.
Bonita Springs, FL
Lee County
Open Bonita Springs defaults with local tax, insurance, and HOA context.
Venice, FL
Sarasota County
Open Venice defaults with local tax, insurance, and HOA context.
Bradenton, FL
Manatee County
Open Bradenton defaults with local tax, insurance, and HOA context.
Spring Hill, FL
Hernando County
Open Spring Hill defaults with local tax, insurance, and HOA context.
Destin, FL
Okaloosa County
Open Destin defaults with local tax, insurance, and HOA context.
Fort Walton Beach, FL
Okaloosa County
Open Fort Walton Beach defaults with local tax, insurance, and HOA context.
Melbourne, FL
Brevard County
Open Melbourne defaults with local tax, insurance, and HOA context.
Marco Island, FL
Collier County
Open Marco Island defaults with local tax, insurance, and HOA context.
Calculate by City in Florida
Browse the full Florida city index if you want a cleaner way to compare local tax defaults, insurance-heavy markets, and flood-sensitive payment scenarios before you pick a neighborhood.
Browse all FL cities ->Ready to move forward?
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These numbers are estimates. A licensed loan originator can confirm your county tax rate, insurance estimate, and current rate for your specific credit profile and loan type.
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Questions
Frequently asked questions
Why does this calculator use 0.83% for Florida property taxes?
0.83% is a statewide effective baseline for planning and is useful only as a starting point before county and listing-level tax validation.
How does Florida homestead exemption affect my payment estimate?
Homestead can reduce taxable value, but new buyers often do not receive it until January 1 of the following year, so first-year taxes may run higher.
Why is homeowners insurance so expensive in Florida?
Wind, flood, and reinsurance pressure make Florida insurance materially higher than most states, especially in coastal counties.
What is a CDD fee and how does it affect monthly payment?
CDD assessments are tax-line infrastructure charges in many planned communities and can add meaningful monthly carrying cost.
What is Save Our Homes and why does it matter when I buy?
Save Our Homes caps annual assessed-value growth for existing homesteaded owners, so seller tax bills can understate your post-purchase reality.
Does this calculator include flood insurance?
The main estimate includes homeowners insurance default; flood should be added using the listing’s FEMA zone and a real quote.
Why might my actual tax bill be higher than the listing shows?
Listings frequently reflect seller-era assessment and exemption status that may reset when ownership transfers.
How does no Florida state income tax affect affordability?
It can improve take-home pay, but property-level costs like insurance, HOA, and flood still determine housing durability.
What closing costs are unique to Florida?
Florida documentary stamp and intangible taxes are unique line items and should be modeled separately from monthly payment math.
Can I compare Florida county and city scenarios here?
Yes. Start with state defaults, then switch to city pages and listing-specific assumptions for tighter budgeting.
Is this a lender quote?
No. This is an educational planning tool and not a loan estimate or underwriting commitment.
What are Florida first-time homebuyer programs?
Florida offers state and local assistance pathways, but terms and eligibility change; verify current program rules before relying on historical screenshots.