Florida real estate calculators

Every one of them across all 67 counties, and every figure with its source shown.

19 calculatorsAll 67 countiesUpdated August 2026

If you want the explanation rather than the arithmetic, that is what the guides are for. Each calculator links to the guide that covers it.

Before you buy

Monthly paymentPrincipal, interest, tax, insurance, HOA and CDD. The whole payment, not the mortgage. Property taxOfficial millage for all 67 counties, with the homestead exemption applied properly. Amendment 3: 2027 and 2028If Florida passes it in November, what your bill becomes — and the part that does not move. How much can I afford?The price your income, debts and down payment reach — with Florida’s tax and insurance in it. What owning really costsEverything you put in, minus the equity you build. Maintenance included. Rent or buyThe honest comparison, counting what it costs to sell and what a renter could invest instead. Break-even yearThe year buying starts to beat renting — the question nobody asks and everything hinges on. Moving to FloridaThe income tax you stop paying, minus what property tax and insurance cost you here. Your county vs FloridaAny of the 3,144 US counties against any of Florida’s 67, on the same house. Buy now or wait?What waiting costs — the rent, the appreciation, and the refinance you get anyway.

Before you offer

Home insuranceWhat the average policy actually cost in your ZIP code, and the four things that move it. Flood zonesWhat your letter on the FEMA map means for the lender, the premium and the resale. HOA and CDD by communityWhat 154 new-construction communities publish. And why a CDD is not an HOA. Compare areas166 Florida areas side by side: price, rent, days on market and gross yield. Price per square footAgainst the median for its own type in its area, not against the mix.

If you already own

Equity you can take outHow much you could borrow against the house without passing the lender’s ceiling.

When you sell

What you keepThe money that reaches your account, with the costs Florida law actually fixes. Seller’s closing sheetLine by line, the same breakdown you will see on closing day. CommissionWhat each point of commission costs, and what is left at every rate.

Where the data comes from

From official sources and from our own monthly pipeline, not from estimates. Each calculator says at the foot which source each number came from and what date it carries.

Data	Source	Refreshed
Millage for all 67 counties	Florida Department of Revenue, “Millage and Taxes Levied”, 2025	Each January
Homestead exemption and the Save Our Homes cap	s. 196.031 and s. 193.155, Florida Statutes	When the law changes
Documentary stamps on the deed	Chapter 201, Florida Statutes	When the law changes
Owner’s title insurance premium	Rule 69O-186.003, Florida Administrative Code	When the rule changes
Home insurance premiums for 560 Florida ZIP codes	U.S. Treasury, Federal Insurance Office, 2018–2022	Series ended in 2022
Property tax, home value and income tax for all 50 states	Census ACS, Tax Foundation and Quadrant Information Services	Each year
Price, rent and days on market for 166 Florida areas	Redfin Data Center and Zillow	Each month
HOA and CDD for 152 communities	Our own new-construction catalog	Each month

A calculator is not a quote. These give good orders of magnitude and they are enough to rule things out, to compare, and to know what to ask. The figure for one specific property comes from its record at the county property appraiser, from an insurer’s quote, and from a pre-approval. We will get you all three.

Tell us the address, or the ZIP code you are moving from. We will run the whole subtraction — including the part that goes against us.

Perozo Molina Group · +1 689 680 1112 · WhatsApp +1 689 680 1112 · perozomolina.com

A real estate team at Miami New Realty, a licensed Florida real estate brokerage (licence CQ1020974), 2470 NW 102 PL Suite 107, Doral, FL 33172. This is an estimate, not a quote. The figures come from the sources named on the page this was printed from. Nothing here is tax or legal advice.