What does it actually cost to buy a home in Central Florida?
It depends on your county, because Florida property tax is set by local millage and the homestead exemption changes the number. These calculators are pre-loaded with real Central Florida county millage, the homestead exemption, and Florida-specific closing costs, so the estimate reflects local costs rather than national averages.
Which calculator do you need?
Every calculator is pre-loaded with real county property-tax millage, the Florida homestead exemption, and Florida-specific closing costs. Pick your county and adjust anything.
Affordability
See the price range you can realistically target from your income, debts, and down payment, with Florida taxes and insurance built in.
Monthly Payment
Full PITI estimate: principal, interest, county taxes, insurance, HOA, and PMI, for any price and down payment.
Closing Costs
Doc stamps, intangible tax, title insurance, and cash to close, calculated the Florida way. Few national calculators get this right.
New vs Resale
Compare the true cost of ownership over time, including CDD assessments, maintenance, and warranties.
What should you know before you buy in Florida?
Plain-English guides to the parts of buying in Florida that catch people off guard: closing costs, insurance, property taxes, and the offer process.
The Florida Home Buyer Checklist
Every step from pre-approval to closing day, Florida-specific.
First-Time Buyer in Florida
What to expect, what help exists, and how to start.
New Construction vs Resale
CDD bonds, warranties, and the real trade-offs.
Florida Closing Costs Explained
Doc stamps, title insurance, and who pays what.
Property Taxes & Homestead
Millage, Save Our Homes, and the exemption that saves you thousands.
Florida Home Insurance
Why premiums are high, wind and flood, and how to save.
Mortgage & Pre-Approval
Pre-qual vs pre-approval, documents, and rate locks.
Offers & Inspections
Contracts, contingencies, and inspections in Florida.
What costs differ between new construction and resale?
These are the cost factors that behave differently between a new build and an existing home in Central Florida. The dollar amounts depend on your county, community and property, which is what the new-vs-resale tool calculates.
| Cost factor | New construction | Resale |
|---|---|---|
| County property tax | Assessed on the new-purchase basis | Assessed on the new-purchase basis |
| Homestead exemption | Applies once you establish homestead | Applies once you establish homestead |
| CDD assessment | Common in new communities | Less common, depends on the community |
| HOA | Depends on the community | Depends on the community |
| Near-term maintenance | Typically lower on a new build | Varies with the age and condition of the home |
| Insurance | Varies with construction year and features | Varies with construction year and features |
| Buyer representation | We represent you through the builder | We represent you through the transaction |
What else do buyers ask us?
Why do Florida property tax estimates vary so much by county?
Because property tax is set by local millage. The rate differs by county and can differ again by taxing district, city limits, and CDD community, so a national average will not reflect what you actually pay.
What is the homestead exemption?
A Florida exemption that reduces the taxable value of a home you establish as your primary residence. The calculators account for it, and the exact effect depends on your county and assessed value.
Are these calculators free?
Yes. Every calculator on this page is free to use and requires no signup.
What is a CDD assessment?
A Community Development District assessment, common in newer Central Florida communities, which is charged on top of county property tax and HOA dues. The new-vs-resale tool weighs it because it can change which home actually costs less to own.
Do I pay to be represented when buying new construction?
No. We represent you through the builder at no cost to you.
Are these figures a pre-approval or a quote?
No. They are estimates for general informational purposes only. They are not a loan offer, pre-approval, appraisal, or tax or legal advice, and actual figures depend on your lender, property, and circumstances.
Ready to talk to a local expert?
The tools get you oriented. A local Evolve Estates advisor gets you to the closing table. No pressure, just Florida-specific answers.
Disclosure. These tools provide estimates for general informational purposes only. They are not a loan offer, pre-approval, appraisal, or tax or legal advice, and actual figures depend on your lender, property, and circumstances. Property-tax estimates use current county millage on a new-purchase basis and will vary by taxing district, city limits, and CDD community. Evolve Estates Group is brokered by eXp Realty. Equal Housing Opportunity.