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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 Parrish

  • Newer communities carry CDD fees around $2,100 to $3,000 a year on the tax bill. The builder's contract must disclose the CDD in bold, so read it. Fla. Stat. 190.048
  • Builders often offer incentives for using their lender. Get a Loan Estimate from another lender for the same loan and compare the total cost. CFPB

That budget covers a home around

$315,000

True monthly cost

$2,986/mo

  • Mortgage$2,072
  • Mortgage insurance$139
  • Property tax$317
  • Home insurance$250
  • CDD assessment$208
Cash to close (about)
$20,475
Property tax a year
$3,801 with homestead ($4,350 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 13.81 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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