Florida Homebuyer Calculator

Complete qualification analysis for all major Florida markets.

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Florida-Specific Considerations

Hurricane & Flood Insurance

This is essential. Budget an additional $150-200/month for comprehensive coverage.

Property Tax Variations

Rates vary by county. Miami-Dade and Broward have higher rates than other areas.

HOA Communities

Many communities have HOAs. Factor in $100-300/month for amenities and maintenance.

Pest & Termite Inspection

These are crucial in Florida's climate. Budget $300-500 for initial inspection.

Higher Utility Costs

Florida's heat means higher AC costs. Budget $200-400/month for utilities.

Pool Maintenance

Many homes have pools. If included, budget $100-200/month for maintenance.