South Florida Home Cost Tool
What Will This Home Really Cost Me Each Month?
Start with the mortgage payment, then add the expenses that matter in South Florida: property taxes, homeowners insurance, flood insurance, HOA fees, PMI, and maintenance.
Current national average: 6.66% for a 30 year fixed mortgage
Updated Aug. 27, 2026 Freddie Mac via Federal Reserve
Home & Loan
The mortgage rate is automatically filled from the current national average. You can change it to match a lender quote.
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Editable. Changing the term resets this to the corresponding current average.
Real Ownership Costs
These start at zero because they vary dramatically by property. Add what you know for a much more realistic total.
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Enter your lender estimate if applicable.
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Important: This calculator is for planning and comparison only. It is not a loan estimate or commitment to lend. Actual mortgage rates, APR, taxes, insurance, flood coverage, association fees, PMI, closing costs, and maintenance vary by borrower and property. The mortgage rate shown above is a national Freddie Mac survey average, not a rate offered by the Federal Reserve or a specific lender.