Tampa Bay Mortgage Calculator — embed

Your numbers

ZIP code

Auto-fills county property tax + typical flood insurance for the area

Home price

Down payment20% · $125,000

0%20% (no PMI)50%

Interest rate

Loan term

Homeowners insurance (annual)

Florida runs $2,500-$5,500/yr for most single-family homes in 2026

HOA / condo fee (monthly)

$0 for most St. Pete single-family homes (Shore Acres has no HOA). Condos typically $400-$900.

Total monthly payment

$4,582

/month

Principal & interest

$3,327

Property tax (Pinellas County)

$6,063/yr at 0.97%

$505

Homeowners insurance

$292

Flood insurance (estimated)

$5,500/yr (high zone typical)

$458

Loan amount

$500,000

Cash to close (down only)

$125,000

Total interest paid

$697,544

Total cost over 30 yrs

$1,322,544

Florida-specific: flood insurance is auto-estimated based on the ZIP's primary risk tier. Actual quotes vary widely with elevation and construction year — see the Flood Zone Toolkit for the real cost picture before you make an offer.