Mortgage Payment
Estimate your full monthly payment
This mortgage payment calculator shows your estimated monthly principal and interest, property tax, homeowners insurance, and HOA or condo fee for a home from the Treasure Coast to South Florida. Every number updates as you type, and nothing you enter is transmitted, saved, or tracked.
Browser-only estimate
What will my mortgage cost each month?
Enter the home price, your down payment, and your rate. The full monthly payment updates below as you type.
As a rough guide, effective property tax rates run from about 0.71% of home value in Indian River County to about 0.95% in St. Lucie and Broward (county property appraiser data), and annual homeowners insurance runs from roughly $4,700 in Martin County to $6,000 or more near Miami-Dade and Palm Beach, higher on the water (Florida Office of Insurance Regulation and Insurance Information Institute data).
Estimated monthly payment
$3,324
- Principal and interest
- $2,324
- Property tax
- $400
- Homeowners insurance
- $400
- HOA or condo fee
- $200
- Amount financed
- $360,000
Estimates only, not a loan offer. Your actual payment depends on your credit, the exact loan program, and the property.
Get the Real NumbersGet the real numbers
Bring your numbers to a free strategy call
This is a browser-only estimate to help you plan. Michael “Wiz” Wisniewski pairs the math with real lender quotes, current tax and insurance figures, and a plan that fits your goals. No obligation, no pressure.
This is a browser-only estimate, not a loan offer. Your actual payment depends on your credit score, the exact loan program, and the property.
Property taxes and insurance vary widely by county and address. The default 6.7% reflects the average 30-year fixed rate as of September 2026 (Freddie Mac Primary Mortgage Market Survey).
For real numbers, Wiz connects you with lenders and insurance advisors he trusts, and reviews your full plan on a free strategy call.