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MV
Specialty market

Buying a home in Florida

Miami, Tampa, Orlando, Jacksonville. Snowbird, second-home, and short-term-rental DSCR loans.

On a $500,000 home in FL

Statewide averages
Property tax
$346/mo
0.83% effective rate
Home insurance
$200/mo
$2,400/yr typical
Tax + insurance
$546/mo
added to your P&I

Run your numbers for FL

The SnugRate calculators auto-default to Florida's tax + insurance averages. Override any field at any time.

Mortgage payment

Full PITI with FL's averages prefilled.

Affordability

How much house your income qualifies for in FL.

Property tax detail

Assessment, exemptions, effective rate.

What this estimate doesn't cover

  • County, city, and special-district taxes can add 0.1%–1% on top of the statewide average. Use the property tax calculator with your specific assessment for an accurate figure.
  • Hazard insurance varies a lot by hazard zone (wildfire in CA, hurricane in FL, hail in TX). The number above is a broad statewide average.
  • HOA dues, mortgage insurance (PMI), and special assessments aren't included.
← All state guidesSource: Tax Foundation 2024 + industry averages