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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.

Start from

Worth knowing in North Port

  • North Port adds roughly $900 to $1,000 a year in fire, road, drainage and trash fees to the tax bill. Homestead doesn't reduce them. City of North Port
  • Many homes use well and septic. If city sewer reaches the street later, the city estimates connecting can cost up to $35,000. City of North Port

That budget covers a home around

$330,000

True monthly cost

$2,995/mo

  • Mortgage$2,170
  • Mortgage insurance$146
  • Property tax$350
  • Home insurance$250
  • City fire, road, drainage and trash fees$79
Cash to close (about)
$21,450
Property tax a year
$4,203 with homestead ($4,788 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 14.51 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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