Florida
Florida Mortgage Calculator
Start with Florida's 0.89% average effective property tax rate and then refine insurance, flood, and CDD assumptions to get decision-ready payment math.
Calculator
Florida true payment estimate
Fast payment estimate
Down payment comparison
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) | 1.07% | $5,350/yr | $10,700/yr |
| Hillsborough (Tampa) | 1.05% | $5,250/yr | $10,500/yr |
| Alachua (Gainesville) | 1.01% | $5,050/yr | $10,100/yr |
| Miami-Dade (Miami) | 0.97% | $4,850/yr | $9,700/yr |
| Pasco (Wesley Chapel) | 0.96% | $4,800/yr | $9,600/yr |
| Orange (Orlando) | 0.93% | $4,650/yr | $9,300/yr |
| Duval (Jacksonville) | 0.89% | $4,450/yr | $8,900/yr |
| Palm Beach (West Palm) | 0.89% | $4,450/yr | $8,900/yr |
| Lee (Cape Coral) | 0.87% | $4,350/yr | $8,700/yr |
| Sarasota (Sarasota) | 0.87% | $4,350/yr | $8,700/yr |
| Pinellas (St. Petersburg) | 0.86% | $4,300/yr | $8,600/yr |
| Manatee (Bradenton) | 0.85% | $4,250/yr | $8,500/yr |
| Polk (Lakeland) | 0.84% | $4,200/yr | $8,400/yr |
| Charlotte (Port Charlotte) | 0.83% | $4,150/yr | $8,300/yr |
| Brevard (Melbourne) | 0.82% | $4,100/yr | $8,200/yr |
| Seminole (Sanford) | 0.81% | $4,050/yr | $8,100/yr |
| St. Johns (St. Augustine) | 0.77% | $3,850/yr | $7,700/yr |
| Collier (Naples) | 0.70% | $3,500/yr | $7,000/yr |
| Monroe (Key West) | 0.67% | $3,350/yr | $6,700/yr |
| Walton (Destin/30A) | 0.55% | $2,750/yr | $5,500/yr |
Non-homestead properties are often taxed higher than homestead owner-occupied homes. Always validate the actual property appraiser record before offer submission.
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 0.89% 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.
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.
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
Open Jacksonville defaults with local tax, insurance, and HOA context.
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
Open Sarasota defaults with local tax, insurance, and HOA context.
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
Open Cape Coral defaults with local tax, insurance, and HOA context.
Questions
Frequently asked questions
Why does this calculator use 0.89% for Florida property taxes?
0.89% is a statewide effective baseline for planning and is useful only as a starting point before 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.