Estimate your Florida mortgage payment using the state's 0.86% average effective property tax rate, $5,500/yr average home insurance, and Florida's $400,000 median home price (Zillow ZHVI), with current 30-year fixed rates from Freddie Mac plus PMI and HOA. Florida's Save Our Homes amendment limits annual assessment increases to 3%. Compare scenarios, view a full amortization schedule, and analyze whether it's better to rent or buy.
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