Free Central Florida Tool
How Much House Can You Actually Afford?
Two numbers in. A comfortable price you can actually carry, plus an honest stretch, both built on real Central Florida taxes and insurance. No signup, no phone number.
Built by a licensed Orlando REALTOR®.
Why This One Is Different
Most affordability calculators are built for the whole country. They quietly assume cheap insurance and low taxes, then hand a Florida buyer a number a lender won't back once they get pre-approved.
Just Two Numbers
Your income and your monthly debt, that's it. The calculator fills in realistic Central Florida taxes and insurance, plus a typical rate you can fine-tune, so you're not guessing at the rest.
Honest Florida Math
Florida insurance and property tax can add hundreds to a payment. That's already in every number, so the estimate is closer to what you'll really pay each month.
Three Loans Compared
FHA, 5% down, and 20% down. Switch between them to see how your down payment changes both the cash you need and how much home your budget buys. No loan jargon required.
The Number Is the Start, Not the Plan
Knowing a price tells you where you stand today. It doesn't tell you the next move. The 3-minute readiness quiz turns your estimate into a personalized first step, whether you're ready to shop or still building toward it.
Take the 3-Minute Readiness Quiz →