Mortgage Payment Calculator for Florida

Whether you're a first time home buyer in Florida or a seasoned pro, getting an accurate estimate on a mortgage payment in Florida can be difficult. 

Given how much property taxes can fluctuate in Florida, we've provided a table below outlining what percentage to use for taxes in your county.

When you’re personally ready to get pre-approved or have a mortgage professional run numbers for you, give our team a call or click the “Apply” button at the top of the page. Also, if you’re beginning the process of buying a home, don’t hesitate to check out our detailed guide to buying a house to help you with the steps involved.

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    DID YOU KNOW?  A mortgage payment in Florida is typically comprised of 4 components: the loan payment (P&I or principal and interest), Property Taxes, Homeowner’s Insurance (HOI) and Mortgage Insurance (PMI).


    Florida Mortgage Payment Calculator Tips

    Our calculator will help you estimate all four aspects. Before using the Florida mortgage calculator below, here are a few directions:

    1. Loan term – the longest and most common mortgage term is 30 years, but there are options for 25, 20, 15 and 10. The term itself is the most important factor in your payment amount and how much you pay over the life of the loan.
    2. Property tax – your county in Florida will assess assesses property taxes and the amount of tax will vary with each home.Interest rate – rates vary based on loan program and can be heavily dependent on credit score. Give one of our licensed loan advisors a call and we can provide you some quotes and personal options. As of today, rates range anywhere from 4.375%-5.500% on a 30-year fixed in most instances, but will vary based on loan program, credit score, term, down payment and discount points.For Property Tax estimates in your specific county, see the list below the calculator. We’ve taken the time to estimate the property tax percentages for each county throughout Florida.
    3. Homeowner’s Insurance – if you have good credit and buying a newer home use .55% of your loan amount for a decent estimate. Use .65% if you’re buying an older home or have fair/poor credit (low-to-mid 600’s). If you live in a flood zone or may need hurricane coverage, your premiums will likely be higher.

    Calculate Your Estimated Florida Mortgage Payment


    PMI for the conventional mortgage are estimates only and should be used for calculating initial payments. Always call one of our loan advisors for more precise estimates.


    While using a payment calculator to estimate your mortgage is a great first step, once you’re ready to see if you qualify or to get a precise payment estimate, then apply online or give one of our trusted experts a call to help guide you through the process.


    Property Tax Rates to use for Florida Mortgage Payment Calculator

    Find the county you’re looking to buy in below and use the percentage in the payment calculator above.

    Note: in the state of Florida, they do offer qualified homeowners a discount on property taxes through their Homestead Exemption. Once you’ve purchased a home, you will apply for your exemption through your county and they will assist in reducing your assessed value of the home that your tax is based on.


    Alachua – 1.212%

    Baker – .813%

    Bay – .678%

    Bradford – .839%

    Brevard – 1.046%

    Broward – 1.336%

    Calhoun – .804%

    Charlotte – 1.221%

    Citrus – .829%

    Clay – .938%

    Collier – .810%

    Columbia – .976%

    DeSoto – 1.159%

    Dixie – .684%

    Duval – 1.047%

    Escambia – .806%

    Flagler – 1.017%

    Franklin – .800%

    Gadsden – .792%

    Gilchrist – .813%

    Glades – 1.111%

    Gulf – .596%

    Hamilton – .934%

    Hardee – 1.182%

    Hendry – 1.358%

    Hernando – 1.047%

    Highlands – 1.019%

    Hillsborough – 1.152%

    Holmes – .694%

    Indian River – .942%

    Jackson – .656%

    Jefferson – .837%

    Lafayette – .883%

    Lake – 1.116%

    Lee – 1.145%

    Leon – .977%

    Levy – .847%

    Liberty – .781%

    Madison – .969%

    Manatee – 1.126%

    Marion – 1.096%

    Martin – 1.116%

    Miami-Dade – 1.280%

    Monroe – .732%

    Nassau – .876%

    Okaloosa – .756%

    Okeechobee – 1.134%

    Orange – 1.180%

    Osceola – 1.193%

    Palm Beach – 1.311%

    Pasco – 1.070%

    Pinellas – 1.010%

    Polk – 1.042%

    Putnam – 1.009%

    St. Johns – 1.088%

    St. Lucie – 1.522%

    Santa Rosa – .800%

    Sarasota – 1.054%

    Seminole – 1.044%

    Sumter – 1.014%

    Suwannee – .867%

    Taylor – .827%

    Union - .960%

    Volusia – 1.116%

    Wakulla – .884%

    Walton – .564%

    Washington – .820%



    Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.