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Florida Mortgage Calculator

Estimate your monthly mortgage payment in Florida with local property taxes built in. This calculator pre-fills Florida's average effective property tax rate of 0.86% — adjust it for your county, then see your full PITI payment, amortization chart, and payoff schedule.

Frequently asked questions

What is the average property tax rate in Florida?

Florida's average effective property tax rate is about 0.86% of a home's value per year. This calculator pre-fills that rate, and you can change it to match your county or a specific home.

How is my monthly payment calculated?

From your Florida home price, down payment, interest rate and term, plus property tax, homeowners insurance, and PMI if you put down less than 20%. Everything updates live as you type.