Florida Mortgage Calculator
Estimate your monthly mortgage payment including taxes and insurance.
- Free
- No signup required
- Updated for 2026
Use our free Florida mortgage calculator to estimate your monthly payment including principal, interest, property taxes, and insurance. See a full amortization schedule and compare different loan terms. Rates vary by county; we use a statewide average for estimates.
Loan details
Rates vary by county. This is an estimated statewide average.
Monthly payment
$2,608.75
- Principal & interest$2,123.75
- Property tax$385.00
- Insurance$100.00
Loan amount: $336,000 · Total interest: $428,549
Monthly breakdown
Amortization schedule
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $2,123.75 | $303.75 | $1,820.00 | $335,696.25 |
| 2 | $2,123.75 | $305.39 | $1,818.35 | $335,390.86 |
| 3 | $2,123.75 | $307.05 | $1,816.70 | $335,083.81 |
| 4 | $2,123.75 | $308.71 | $1,815.04 | $334,775.10 |
| 5 | $2,123.75 | $310.38 | $1,813.37 | $334,464.71 |
| 6 | $2,123.75 | $312.06 | $1,811.68 | $334,152.65 |
| 7 | $2,123.75 | $313.76 | $1,809.99 | $333,838.90 |
| 8 | $2,123.75 | $315.45 | $1,808.29 | $333,523.44 |
| 9 | $2,123.75 | $317.16 | $1,806.59 | $333,206.28 |
| 10 | $2,123.75 | $318.88 | $1,804.87 | $332,887.40 |
| 11 | $2,123.75 | $320.61 | $1,803.14 | $332,566.79 |
| 12 | $2,123.75 | $322.35 | $1,801.40 | $332,244.44 |
| 13 | $2,123.75 | $324.09 | $1,799.66 | $331,920.35 |
| 14 | $2,123.75 | $325.85 | $1,797.90 | $331,594.50 |
| 15 | $2,123.75 | $327.61 | $1,796.14 | $331,266.89 |
| 16 | $2,123.75 | $329.39 | $1,794.36 | $330,937.51 |
| 17 | $2,123.75 | $331.17 | $1,792.58 | $330,606.34 |
| 18 | $2,123.75 | $332.96 | $1,790.78 | $330,273.37 |
| 19 | $2,123.75 | $334.77 | $1,788.98 | $329,938.60 |
| 20 | $2,123.75 | $336.58 | $1,787.17 | $329,602.02 |
| 21 | $2,123.75 | $338.40 | $1,785.34 | $329,263.62 |
| 22 | $2,123.75 | $340.24 | $1,783.51 | $328,923.38 |
| 23 | $2,123.75 | $342.08 | $1,781.67 | $328,581.30 |
| 24 | $2,123.75 | $343.93 | $1,779.82 | $328,237.37 |
Showing rows 1–24 of 360
Frequently asked questions
Property tax rates in Florida vary by county. This calculator uses a statewide average as the default; you can change the rate in the form. Check your county assessor for exact rates.
Enter your home price, down payment, interest rate, and loan term. We pre-fill Florida's typical property tax rate. Add your annual insurance and any HOA fees. The calculator shows your total monthly payment and a full amortization schedule.
Principal and interest are calculated with the standard amortization formula. Property tax and insurance are estimates. This tool is for planning only and does not constitute financial advice.
Florida Mortgage Overview
Florida is a popular destination for retirees and families, with a mix of coastal and inland markets. Property tax rates are moderate compared to many Northern states, and there is no state income tax. Use this calculator to estimate your monthly payment for a Florida home.
Average Property Tax in Florida
Effective property tax rates in Florida typically range from about 0.9% to 1.2% of assessed value, depending on the county. Homestead exemptions can reduce the taxable value for primary residences. Our calculator uses a statewide average; you can change the rate to reflect your county.
Housing in Florida
Home prices vary widely—from more affordable inland areas to premium coastal markets. Insurance can be a major cost, especially in hurricane-prone zones. Enter a realistic annual homeowners insurance amount in the calculator to get an accurate total monthly payment.
Tips for Florida Buyers
- Factor in wind and flood insurance where applicable; they are often separate from standard homeowners insurance.
- Homestead exemption may lower your property tax; check with your county property appraiser.
- HOA and condo fees are common in many Florida communities; use the optional HOA field.
- Compare 15-year and 30-year terms to see the impact on total interest.
This calculator provides estimates only. For exact figures, consult a licensed lender and your county property appraiser.