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What a home really costs a month

Pick a town and a budget or price. You'll see the full bill, not just principal and interest: local property tax, insurance, flood where it applies, and CDD or city fees.

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Worth knowing in Englewood

  • The tax rate is low, but every home also pays a fire district fee, $247.68 in 2025. Part of Englewood (mostly 34224) is in Charlotte County, with different taxes. Englewood Area Fire Control District
  • Ask to take over the seller's flood insurance policy. FEMA lets sellers transfer it with its discount, and a brand-new policy can cost more. FEMA flood insurance guide

That budget covers a home around

$345,000

True monthly cost

$2,987/mo

  • Mortgage$2,269
  • Mortgage insurance$153
  • Property tax$294
  • Home insurance$250
  • Fire district fee$21
Cash to close (about)
$22,425
Property tax a year
$3,529 with homestead ($3,957 without)

3.5% down, 30-year fixed at this week's Freddie Mac average, mortgage insurance about 0.55% a year: 7.24%, week of Oct 29, 2026 (Freddie Mac). Tax at 11.47 mills after Florida homestead. Cash to close = 3.5% down plus about 3% in closing costs. An estimate, not a loan quote.

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