Jacksonville Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Jacksonville (consolidated city-county with Duval) offers the Headstart to Homeownership Program with up to $25,000 in down payment assistance. Duval County's combined property tax rate averages 1.73%, and Jacksonville's median home price of approximately $300,000 makes it one of Florida's most affordable major cities for first-time buyers.
Loan Details
$70,000 · LTV 80%
Buyer Profile
Extra Payment
Optional principal-only payment used to estimate payoff speed and interest savings.
Monthly Payment
$1,770 Principal & Interest · $460 Property Taxes · $125 Other
Methodology and limitations
Last reviewed:
Methodology
Uses standard principal-and-interest mortgage math, then models housing-cost inputs such as tax, insurance, PMI, and extra-payment scenarios where available.
Limitations
Planning estimate only. Actual approval, escrow, PMI, fees, taxes, insurance, and closing disclosures depend on lender, property, borrower profile, and local rules.
Official sources
- Consumer Financial Protection Bureau mortgage cost guidance
- Florida Department of Revenue Property Tax Data Portal
- Florida DOR documentary stamp tax
- Florida DOR nonrecurring intangible tax
- Florida DOR Save Our Homes assessment limitation
- Florida Housing Hometown Heroes funding status
- City of Jacksonville Headstart to Homeownership Program
- City of Jacksonville Down Payment Assistance Pilot Program
Jacksonville Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Florida · Duval County
Jacksonville (consolidated city-county with Duval) offers the Headstart to Homeownership Program with up to $25,000 in down payment assistance. Duval County's combined property tax rate averages 1.73%, and Jacksonville's median home price of approximately $300,000 makes it one of Florida's most affordable major cities for first-time buyers.
Use this mortgage calculator for Jacksonville, Florida to estimate the monthly payment with principal, interest, configured annual taxes, eligible exemptions, and assistance programs when the buyer profile matches the conditions.
What This Estimate Uses
- Geographic level: city
- Configured property tax rate: 1.79%
- Configured benefits or exemptions: 4
- Reviewed sources: 8
What Changes in Jacksonville, Florida
- Data level used: city. This page uses the most specific available data layer for Jacksonville, Florida.
- Configured combined annual property tax rate: 1.79% before exemptions and buyer-specific conditions are applied.
- Configured down payment assistance programs: Jacksonville H2H Program.
Local Tax Assumptions
These are the annual tax assumptions configured for this page. The calculator applies them to the appropriate value, then accounts for exemptions or conditions when the buyer selects them.
- Florida School Property Tax — 0.634%
- Florida Non-School Property Tax — 1.155%
Programs and Exemptions Included
These benefits do not mean automatic approval. The calculator models them when the buyer inputs match the configured eligibility conditions.
- Florida Homestead Exemption — $25,000 (requires: primary residence)
- Florida Additional Homestead Exemption — $25,000 (requires: primary residence)
- Jacksonville H2H Program — $25,000 (requires: first-time buyer, primary residence, income is below the program cap, inJacksonvilleCityLimits)
- Mortgage Credit Certificate (MCC) — 20% of mortgage interest (requires: first-time buyer, primary residence, buyer has a Mortgage Credit Certificate)
When This Estimate Can Change
- The actual property tax bill depends on the address, overlapping taxing jurisdictions, approved exemptions, and appraised value.
- Home insurance, flood insurance, HOA dues, and PMI can vary by property, lender, and buyer profile.
- Configured closing costs include Florida Deed Documentary Stamp Tax, Florida Mortgage Documentary Stamp Tax, Florida Nonrecurring Intangible Tax, but other settlement charges may appear on a real loan estimate.
Local Data and Sources
Last editorial verification: June 4, 2026. This page combines the official data layers configured for Jacksonville, Florida.
The sources used on this page are Consumer Financial Protection Bureau mortgage cost guidance, Florida Department of Revenue Property Tax Data Portal, Florida DOR documentary stamp tax, Florida DOR nonrecurring intangible tax, Florida DOR Save Our Homes assessment limitation, Florida Housing Hometown Heroes funding status, City of Jacksonville Headstart to Homeownership Program, City of Jacksonville Down Payment Assistance Pilot Program. Each source lists which rate, exemption, or program it validates and when it was last reviewed.
- Consumer Financial Protection Bureau mortgage cost guidance — verified May 3, 2026 — General U.S. mortgage closing-cost and mortgage-cost guidance.
- Florida Department of Revenue Property Tax Data Portal — verified May 3, 2026 — Official source for the 2025 final Data Book workbooks used for Florida statewide and county property-tax millage rates.
- Florida DOR documentary stamp tax — verified May 3, 2026 — Official source for deed and mortgage documentary stamp tax rates, including Miami-Dade single-family treatment.
- Florida DOR nonrecurring intangible tax — verified May 3, 2026 — Official source for the 2 mills nonrecurring intangible tax on mortgage obligations.
- Florida DOR Save Our Homes assessment limitation — verified May 3, 2026 — Official source for Florida homestead assessment-cap rules and the 2026 Save Our Homes limitation.
- Florida Housing Hometown Heroes funding status — verified May 3, 2026 — Official source used to exclude Hometown Heroes as an active May 2026 DPA benefit because the 2025-2026 allocation was fully committed.
- City of Jacksonville Headstart to Homeownership Program — verified June 4, 2026 — Official source for Jacksonville H2H program offering up to $25,000 in down payment and closing cost assistance.
- City of Jacksonville Down Payment Assistance Pilot Program — verified June 4, 2026 — Official source for Jacksonville's DPA pilot program offering up to $25,000 with 36-month repayment terms.
Frequently Asked Questions
What Florida property tax rate is used here?
The statewide estimate uses Florida Department of Revenue 2025 final taxes levied divided by 2025 taxable value: about 0.6563% for school taxes and 1.0449% for non-school taxes before homestead exemptions. County pages override those rates with DOR county millage data.
How does Florida homestead affect this calculator?
For a qualifying primary residence, the first $25,000 exemption reduces both school and non-school taxable value. A second $25,000 exemption reduces only non-school taxable value. The Save Our Homes cap then limits annual assessed-value growth for continuing homesteads.
What Florida closing taxes are included?
The estimate includes deed documentary stamp tax on the sale price, mortgage documentary stamp tax on the loan amount, and nonrecurring intangible tax on the mortgage obligation. County files can override rates where Florida law differs, such as Miami-Dade deed documentary stamp tax.
What Duval County property-tax benchmark is used?
This county page uses Florida DOR's 2025 county millage data, split into school and non-school components for the Florida homestead exemption calculation.
Can I get down payment assistance in Jacksonville?
Yes. The H2H program offers up to $25,000 with 0% interest, forgiven after 10 years. The Down Payment Assistance Pilot Program also offers up to $25,000. Both require income at or below 120% AMI and a minimum $500 personal contribution.
What are the income limits for Jacksonville DPA?
The H2H program requires income at or below 80% AMI (approximately $71,000 for a 1-person household). The DPA Pilot Program allows up to 120% AMI (around $108,000 for a family of four). Both require Duval County residency of at least 24 consecutive months.
Is Jacksonville affordable for first-time homebuyers?
With a median home price of $300K and Duval's combined tax rate of 1.73%, Jacksonville is one of Florida's most affordable major cities. The $25K DPA can cover a significant portion of the down payment on a typical starter home.
What is the maximum purchase price for Jacksonville DPA?
The DPA Pilot Program caps purchase prices at $335,000. This covers most starter homes in Jacksonville's market. Homes in higher-priced neighborhoods may require conventional financing without city assistance.
Jacksonville vs. Orlando: Which Florida city works better for first-time buyers?
Jacksonville offers up to $25,000 in DPA with median home prices of ~$290,000, while Orlando offers up to $45,000 DPA with median prices of ~$370,000. For a 3% conventional down payment, Jacksonville's $25,000 covers 28% of the required down payment on a median home, while Orlando's $45,000 covers 40%. But Orlando's higher home prices mean you'll need more total cash.