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St. Pete Home Guide
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Tampa Bay mortgage calculator

Most online mortgage calculators leave out the two line items that matter most in Tampa Bay: Florida property tax (varies by county) and flood insurance (huge variable by ZIP). This one bakes both in automatically.

Your numbers

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

$
0%20% (no PMI)50%
%
$

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

$

$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.

What this calculator includes that most don't

  • Florida county property tax auto-applied at the actual 2026 effective rate: Pinellas 0.97%, Hillsborough 1.04%, Manatee 0.93%, Pasco 0.89%. (Note: these are effective rates before homestead exemption — first-time Florida homestead can lower this further.)
  • Flood insurance estimates by ZIP risk tier. Low-risk ZIPs (Historic Kenwood, Allendale) default to ~$500/yr optional coverage. Very-high-risk ZIPs (Tierra Verde, Pass-a-Grille) default to ~$9,500/yr. Real quotes vary widely with elevation certificate — see the Flood Zone Toolkit for what actually moves the number.
  • PMI auto-included when down payment is below 20%, drops off at 20% equity.
  • Total cost over loan life — what you actually pay across 15 / 20 / 30 years, not just the monthly headline.

What this calculator can't see (yet)

  • Your specific flood quote from NFIP or private carriers (Neptune, Wright Flood) — varies by elevation certificate
  • Florida homestead exemption savings if this is your primary residence
  • Save Our Homes assessment cap on appreciation (3% per year for homesteaded properties)
  • Closing costs beyond down payment (typically 2-4% of home price in Florida)
  • HOA special assessments if applicable

If you want the real total monthly cost for a specific Tampa Bay property — pull the actual flood quote, factor in homestead, account for the specific HOA — send me the address and I'll send back the full picture within 24 hours. Free.

Luke Salm, licensed Florida real estate agent at RE/MAX CHAMPIONS serving Tampa Bay

Thinking about a move in St. Pete?

I'm Luke. I live in Shore Acres, I sell across Tampa Bay, and I'm here to help when you're ready.