Palm Beach County mortgage calculator
Palm Beach County spans a wide range of markets, from affordable inland communities to some of Florida's most expensive coastal real estate, so payments vary enormously across the county.
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Palm Beach County mortgage inputs
Enter your gross monthly income above to see an affordability read (based on the standard 28% front-end DTI guideline).
Loan amount: $320,000
Starts from Florida's 0.78% average effective property-tax rate. Your rate in Palm Beach County may differ — edit any field for your exact numbers.
Buying a home in Palm Beach County
As across Florida, no state income tax is offset by insurance costs that have climbed with hurricane risk, and coastal Palm Beach properties can carry especially high premiums. The homestead exemption and Save Our Homes cap benefit primary residences, but second homes and investment properties don't get the cap — so who you are as a buyer changes the tax math here more than in most places.
As a worked example, a $400,000 home with 20% down and a 6.55% 30-year fixed rate works out to about $2,033 a month in principal and interest, plus roughly $260 for property tax at Florida's 0.78% average — a core cost near $2,293 before insurance and any HOA. Enter prices you're actually seeing around West Palm Beach to get your real figure.
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Frequently asked questions
How much is a monthly mortgage payment in Palm Beach County?
It depends on the home price, your rate, and your down payment. As an example, a $400,000 home with 20% down at 6.55% over 30 years is about $2,033 in principal and interest, plus roughly $260 a month for Florida's 0.78% average property tax — before insurance and any HOA or maintenance charges.
Does this calculator include Palm Beach County property taxes?
Yes — it starts from Florida's statewide average effective property-tax rate of 0.78%. Local rates in Palm Beach County can differ, so check your county assessor and adjust the property-tax field for your exact number.
Does the calculator store my information?
No. Everything is calculated in your browser — no account, no email, no lead form, nothing saved or sent to a server.