St. Petersburg, 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.

Pinellas County uses a local planning benchmark of about 1.85% on this page. On a $400,000 home that is roughly $7,398 per year or $616 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 ~1.85% property tax, monthly escrow is about $616; with $100 insurance, estimated PITI is about $2,739 without PMI. Enter your real price and down payment above to resize the estimate, including PMI if you put less than 20% down.

Pinellas County's ~1.85% 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 program provides 20% of the purchase price plus up to $5,000 for closing costs. On a $350,000 home, that's $75,000 in assistance. The 0% deferred loan is fully forgiven after 10 years of occupancy for buyers at or below 80% AMI.

Yes for homes within the South St. Petersburg CRA (SSCRA), which is actively accepting applications. Citywide funding outside the CRA is limited for households above 80% AMI. Always check current status with a participating lender. 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.

The program serves households up to 140% AMI. At or below 80% AMI (approx $58,450 for 1 person), the loan is 100% forgiven after 10 years. Between 81-140% AMI, partial forgiveness applies. A minimum 1% buyer contribution is required. 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.

St. Pete offers up to $75K (as a percentage of purchase price) vs Tampa's $50K flat. Both have similar income limits and forgiveness terms. St. Pete's Pinellas County tax rate (1.75%) is slightly lower than Tampa's Hillsborough rate (1.89%). 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.

With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~1.85% property tax, monthly escrow is about $616; with $100 insurance, estimated PITI is about $2,739 without PMI. Adjust inputs above to match your price, rate, and down payment.