How much home can I afford?

Uses real Florida costs: county insurance averages, estimated property tax and your HOA.

Uses the common 28% / 36% income guideline. Property tax is estimated at 1.9% of price a year; insurance is the Florida OIR county average with wind, data as of Mar 31 2026. Lenders decide the real number; this is an estimate, not a loan offer or pre-approval.

Ask Zach to review it in 10 minutes

Zach goes over these numbers with you: what's realistic in the city you picked, the HOA and insurance costs that surprise people, and what a lender will ask for. Free, no obligation. Your calculator numbers are sent with this form.

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