Florida has no state income tax and moderate property tax rates (about 0.8%–1.0% of value), but homeowners insurance often runs well above the national average because of hurricane risk. This calculator raises the insurance default to reflect Florida conditions and lets you set both — replace them with your real quote and post-exemption tax.
How this calculator works
Enter your numbers and the monthly payment recalculates instantly — no submit button, no page reload. The payment breakdown separates principal, interest, taxes, insurance, PMI and HOA. Use the tabs to view a full amortization schedule, compare scenarios side by side, or work backward from a monthly budget. Your inputs are encoded in the page link so you can bookmark or share a scenario without any account.