State data
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Estimated monthly payment
$0/month
& interest
- Principal & interest$0
- Property tax$0
- Home insurance$0
- HOA dues$0
- Mortgage insurance (PMI)$0
- Total interest over the loan
- $0
- Paid off
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|---|
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Loan balance over time
| Year | Principal | Interest | Balance |
|---|
Monthly payment
$0 /mo
Typical monthly cost of the median home in Florida
Principal and interest
$1,965
$287,200 loan at 7.28%, 30 years
Property tax
$248
0.83% of $359,000 a year
Together
$2,213
before insurance, HOA and PMI
That is about 36% of the median household income in Florida ($74,568 a year), before insurance and other costs.
Counties in Florida
Property tax rates and home values differ by county. Payment is principal, interest and property tax on the median home.
| County | Median home | Tax rate | Payment |
|---|---|---|---|
| Miami-Dade County | $463,000 | 0.88% | $2,874 |
| Broward County | $414,600 | 1.07% | $2,639 |
| Palm Beach County | $447,300 | 0.93% | $2,795 |
| Hillsborough County | $371,500 | 0.92% | $2,318 |
| Orange County | $390,100 | 0.83% | $2,405 |
| Duval County | $303,500 | 0.81% | $1,866 |
| Pinellas County | $355,100 | 0.80% | $2,180 |
| Lee County | $362,200 | 0.81% | $2,227 |
| Polk County | $266,500 | 0.86% | $1,650 |
| Brevard County | $339,600 | 0.74% | $2,068 |
| Pasco County | $300,900 | 0.90% | $1,873 |
| Volusia County | $313,000 | 0.84% | $1,932 |
| Seminole County | $386,900 | 0.72% | $2,350 |
| Sarasota County | $411,800 | 0.77% | $2,518 |
| Manatee County | $391,400 | 0.86% | $2,423 |
| Osceola County | $353,300 | 0.79% | $2,166 |
| Lake County | $318,400 | 0.86% | $1,971 |
| Marion County | $243,100 | 0.82% | $1,497 |
| Collier County | $540,700 | 0.62% | $3,239 |
| St. Lucie County | $347,300 | 0.99% | $2,188 |
| Escambia County | $257,200 | 0.67% | $1,551 |
| St. Johns County | $489,200 | 0.80% | $3,004 |
| Leon County | $301,800 | 0.84% | $1,863 |
| Alachua County | $288,800 | 1.04% | $1,831 |
High-cost counties with higher loan limits
Most Florida counties use the $832,750 one-unit conforming limit. These counties have a higher limit:
- Monroe County$990,150
Frequently asked questions
What is the property tax rate in Florida?
Using Census Bureau medians, homeowners with a mortgage in Florida pay about $2,993 a year in property tax on a median home value of $359,000, an effective rate of 0.83%. That ranks 29 of 51 (the states and DC, highest first) and is below the U.S. median of 1.05%. Rates vary by county and city, and your bill depends on the assessed value and any exemptions.
How much is the monthly payment on a median-priced home in Florida?
On a $359,000 home with 20% down and a 30-year loan at 7.28% (the Freddie Mac weekly average), principal and interest is about $1,965 a month and property tax about $248, so roughly $2,213 before homeowners insurance, HOA dues and mortgage insurance.
What is the conforming loan limit in Florida?
Most counties in Florida have a one-unit conforming loan limit of $832,750, set by the Federal Housing Finance Agency. Higher limits apply in high-cost counties such as Monroe County ($990,150). Loans above the limit are jumbo loans, which can have different rates and down payment rules.
Where do these numbers come from?
Home values, property taxes and incomes are U.S. Census Bureau American Community Survey 5-year medians. Loan limits come from the Federal Housing Finance Agency and rates from Freddie Mac. The methodology page lists each source and when it was retrieved.
Data and method. Home values, property taxes and incomes: U.S. Census Bureau, ACS 2024 5-year (2020-2024) (medians, with sampling error; property tax is for owners with a mortgage). Loan limits: FHFA. Rates: Freddie Mac weekly average as of October 1, 2026. Retrieved October 1, 2026. Payment figures assume 20% down, a 30-year fixed loan, and exclude insurance, HOA dues and mortgage insurance. Estimates only; see the methodology.