Florida mortgage calculator

Use our free mortgage calculator to estimate your monthly mortgage payment, includi...ng your principal and interest, taxes, insurance, and PMI in Florida. See how your monthly payment changes by making updates to your home price, down payment, interest rate, and loan term.

Florida housing market

Florida, The Sunshine State, is the third-most populous state in the United States.... And while state average affordability metrics and home prices are similar to national averages, Florida residents know that the housing dynamics differ meaningfully within the state. Home prices are much lower in the Panhandle than the glitzier Atlantic Coast cities like Miami. Florida is among the most volatile housing markets and saw the largest decrease in home prices following the last housing crisis.

Your monthly payment
30 year fixed loan term
Monthly payment
Principal & interest


Property taxes

Homeowners insurance

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Total principal: $240,000

Loan Term
30 year fixedYour input
15 year fixed30 year fixed
Monthly Payment$1,599$2,002$1,429
Mortgage Rate4.125%2.193%*2.857%*
Total interest paid
Loan Term
30 year fixedYour input
15 year fixed30 year fixed
Monthly Payment$1,599$2,002$1,429
Mortgage Rate4.125%2.193%*2.857%*
Total interest paid

See how your payments change over time for your 30 year fixed loan term

At year 0

30 year fixed loan term

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Year 0
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We’ll share an interesting insight here for key milestones in your payoff schedule.

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Florida mortgage and refinance rates today (APR)

ProductInterest rateAPR
30-year fixed-rate2.826%2.884%
20-year fixed-rate2.693%2.774%
15-year fixed-rate2.133%2.231%
10-year fixed-rate2.253%2.332%
7/1 ARM2.416%3.018%
5/1 ARM2.487%3.150%
30-year fixed-rate FHA3.223%4.002%
30-year fixed-rate VA2.553%2.785%

Data source: ©Zillow, Inc. 2006 – 2020. Use is subject to the Terms of Use

Today's rate

30-year fixed

Today’s mortgage rates in Florida are 2.884% for a 30-year fixed, 2.231% for a 15-year fixed, and 3.150% for a 5/1 adjustable-rate mortgage (ARM).

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Florida's first-time home buyer programs

The Florida Housing Finance Corporation, or Florida Housing, offers several loan programs to help qualified first-time home buyers get a mortgage.

HFA Preferred Grant

State program

Review FHFC lenders

at NerdWallet

Best for

Down payment assistance

Closing cost assistance

What you need to know

This assistance program provides qualified borrowers with 3% of the home’s purchase price to be used as a down payment or to pay closing costs. The HFA Preferred program is a grant, which means it doesn’t have to be repaid.

See full article

Florida's best mortgage lenders

NerdWallet has done the work for you to pick the best financing partner for you in Florida.

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Average property tax in Florida counties

Taking U.S. Census data, NerdWallet has crunched the numbers to help you understand what property tax rate you can expect to pay on your future home in Florida. Because assessed values aren’t frequently updated, you may pay a higher rate at first but eventually you’ll pay a similar rate.

Avg. property tax rate
Avg. home value
Alachua County1.18%$172,500
Baker County0.75%$121,100
Bay County0.69%$171,500
Bradford County0.75%$90,500
Brevard County0.94%$195,400
Broward County1.14%$260,700
Calhoun County0.61%$80,000
Charlotte County0.95%$193,600
Citrus County0.82%$128,900
Clay County0.98%$177,700
Collier County0.69%$358,900
Columbia County0.98%$145,500
DeSoto County0.84%$83,700
Dixie County0.68%$71,600
Duval County1.01%$185,900
Escambia County0.79%$143,900
Flagler County0.93%$225,400
Franklin County0.68%$135,300
Gadsden County0.64%$101,300
Gilchrist County0.79%$96,700
Glades County0.73%$80,100
Gulf County0.68%$151,400
Hamilton County0.79%$73,500
Hardee County0.92%$81,200
Hendry County1.12%$79,700
Hernando County0.91%$142,700
Highlands County0.8%$100,200
Hillsborough County1.05%$213,600
Holmes County0.63%$92,400
Indian River County0.83%$200,000
Jackson County0.62%$94,900
Jefferson County0.8%$131,700
Lafayette County0.47%$101,400
Lake County0.94%$185,200
Lee County0.96%$225,300
Leon County1.01%$201,300
Levy County0.8%$88,700
Liberty County0.64%$62,400
Madison County0.74%$87,200
Manatee County0.95%$233,900
Marion County0.91%$137,300
Martin County0.91%$280,800
Miami-Dade County0.95%$288,100
Monroe County0.62%$513,700
Nassau County0.91%$234,000
Okaloosa County0.74%$209,800
Okeechobee County1.02%$89,900
Orange County1.03%$234,400
Osceola County0.98%$197,900
Palm Beach County1.04%$282,900
Pasco County1.01%$161,500
Pinellas County0.97%$197,300
Polk County0.89%$153,700
Putnam County0.93%$86,600
Santa Rosa County0.78%$192,900
Sarasota County0.85%$253,000
Seminole County0.95%$236,400
St. Johns County0.97%$297,600
St. Lucie County1.19%$179,700
Sumter County0.91%$259,000
Suwannee County0.86%$92,400
Taylor County0.66%$84,900
Union County0.9%$89,000
Volusia County1.01%$173,300
Wakulla County0.81%$133,700
Walton County0.55%$227,900
Washington County0.57%$102,700

Source: American Communities Survey 2016, U.S. Census