Tampa Bay Affordability Calculator — embed

Your finances

Household gross annual income

Combined gross (before tax) income for everyone on the loan

Monthly debt payments (cars, student loans, credit cards, etc.)

Down payment available

Interest rate

Loan term

Annual homeowners insurance estimate

$2,500-$5,500/yr typical for Florida single-family in 2026

Annual flood insurance estimate

$500 (Zone X) – $9,500 (Zone VE). See the Flood Zone Toolkit for accurate ranges

Conservative (28% DTI)

$293,000

Comfortable budget — leaves room for life, savings, surprises

Moderate (36% DTI)

$393,000

Industry-standard target — what most lenders prefer

Maximum (43% DTI)

$480,000

Lender ceiling — tight monthly budget; recommended only if income is stable and rising

These ranges assume Florida property tax around 0.97% and your specified insurance estimates. Actual lender approval also depends on credit score (740+ unlocks best rates), employment history, and reserves. For a real pre-approval, talk to a local mortgage broker. I can refer you to two I trust — just ask.