Calculator · before you buy
How much house can I afford in Florida?
What a lender will approve, once Florida’s tax and insurance come out of the payment first.
All 67 countiesUpdated August 2026
What each income reaches, in four counties
Gross monthly income, $600 of existing debt payments, $80,000 down, a 36% debt-to-income ceiling, 6.75% over 30 years, and $219 a month of HOA. The only thing changing across the columns is the county's property tax:
| Gross income | Miami-Dade | Orange | Duval | Polk |
|---|---|---|---|---|
| $5,000/mo | $157,863 | $158,927 | $158,519 | $160,963 |
| $6,500/mo | $212,344 | $213,870 | $213,230 | $216,948 |
| $8,000/mo | $266,897 | $268,855 | $268,047 | $272,837 |
| $10,000/mo | $339,566 | $342,236 | $341,082 | $347,404 |
| $12,500/mo | $430,333 | $433,900 | $432,319 | $440,613 |
| $15,000/mo | $521,151 | $525,506 | $523,599 | $533,879 |
Why the same income buys less in Florida
A lender does not approve you for a mortgage; it approves you for a total housing payment. Property tax, insurance and HOA all come out of that ceiling before a single dollar goes to the loan. In a state where insurance on a $400,000 home runs around $9,036 a year, that is roughly $753 a month that is not available to borrow against — which at 6.75% costs you about $116,093 of purchasing power.
This is the single most common surprise for buyers relocating from a state with cheap insurance. The pre-approval you got at home does not transfer.
Where these numbers come from
Millage: Florida Department of Revenue, 2025. Insurance scaled from the standardized $300,000 dwelling policy priced at $8,471 for Florida by Quadrant Information Services. The debt-to-income ceiling is the lender's, not ours — 36% is the conservative convention and 43-45% is common on conventional loans. HOA median from our catalog of 893 new-construction communities. Rate: Mortgage News Daily, 27 August 2026.
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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.