Jacksonville, Florida Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance

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.

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. Use this state mortgage calculator to combine that assumption with principal, interest, insurance, and PMI, then drill into county or city pages when you have a specific address.

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.

With 20% down at 6.5% for 30 years, principal and interest are about $2,023. Using the statewide school plus non-school planning rates (about 1.70% combined before homestead), tax escrow is roughly $567 per month on $400,000; add $100 insurance for about $2,690 PITI without PMI. Homestead exemptions and county millage can lower or raise the tax line—use Miami-Dade or other county pages for local overrides.

This county page uses Florida DOR's 2025 county millage data, split into school and non-school components for the Florida homestead exemption calculation. Use this county mortgage calculator to combine that local assumption with principal, interest, insurance, and PMI so your monthly PITI estimate is closer to a full housing payment before you talk to a lender.

Duval County uses a local planning benchmark of about 1.79% on this page. On a $400,000 home that is roughly $7,156 per year or $596 per month in escrow before exemptions or special districts. Parcel bills can still differ—verify the levy code on the address you are buying.

With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~1.79% property tax, monthly escrow is about $596; with $100 insurance, estimated PITI is about $2,719 without PMI. Enter your real price and down payment above to resize the estimate, including PMI if you put less than 20% down.

Duval County's ~1.79% DOR-style planning millage sets escrow, but wind and flood insurance can dominate monthly cost—especially on the coast. Model PITI here, then get insurance quotes early before relying on tax alone. Use this county mortgage calculator to combine that local assumption with principal, interest, insurance, and PMI so your monthly PITI estimate is closer to a full housing payment before you talk to a lender.

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.

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.

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.

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. Use this city mortgage calculator to combine that local assumption with principal, interest, insurance, and PMI so your monthly PITI estimate is closer to a full housing payment before you talk to a lender.

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.

With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~1.79% property tax, monthly escrow is about $596; with $100 insurance, estimated PITI is about $2,719 without PMI. Adjust price, rate, and down payment above to match your offer.