What home price are you looking at?
Drag the slider or type it in. You can change this later — this just sets the starting point.
How much are you putting down?
Your down payment changes the loan amount — and whether private mortgage insurance may apply. Pick the closest fit.
Where in Florida?
Location drives insurance and flood more than almost anything else on the Gulf Coast.
What about HOA dues?
In Florida, HOA and condo dues can be a second mortgage payment. Be honest here — it matters.
Is it new construction in a CDD community?
Many new Pasco communities carry CDD fees on top of everything else.
Where should we send your estimated cost breakdown?
Your personalized breakdown unlocks right here, and we'll send a copy to your email.
Here's your estimated monthly cost
Every assumption is labeled below — no hidden math. These are planning ranges, not quotes.
- Principal & interest: 30-year fixed at an illustrative 6.75% APR — illustrative rate, changes daily. A lender gives you today's real rate.
- Property taxes: home price × 1.05% ÷ 12. Florida's homestead exemption lowers this once you file (deadline March 1) — so your filed amount may be less.
- Homeowner's insurance: shown as a yearly range for your area (see your line above), ÷ 12. Actual quotes vary by roof age, construction, and carrier.
- Flood insurance: where shown, $75–$250/mo — only if your lender requires it for your flood zone.
- HOA / CDD: ranges you selected, not a specific community's schedule.
Payment target — work backwards
What's a monthly total you'd be comfortable with? I'll back-solve the approximate home price that fits it, using the mid-range assumptions above.
Want this run on a real home you're eyeing?
Send Chad the address and he'll sanity-check the estimated monthly cost with you — and a lender intro takes about 10 minutes when you're ready for firm numbers from a lender. Call, text, or email — no pressure, just straight talk.
— Chad Pravlik, Realtor® | Selling Pinellas 2 Pasco
Why Florida breaks generic calculators
On the Gulf Coast, homeowner's insurance can run 2–3× the national average — and it can make or break whether a home actually fits your budget.
Beach and coastal homes may require separate flood insurance. It doesn't show up in most online estimates until it's too late.
Florida's homestead exemption can lower your taxable value, but only after you buy and file by March 1. Year-one taxes often surprise new buyers.
Condo dues over $1,600/mo exist in this market, and new Pasco communities add CDD fees. This finder puts them in the number from the start.