How much house can I afford on $200,000 in Florida?
About $713,000 with 20% down ($568,000 with an FHA loan), using Florida's 0.8% property tax rate.
That is $337,144 more than the typical Florida home ($375,361), so a $200,000 salary can buy a typical home here. The payment of $4,667 covers $3,834 principal and interest, $476 property tax and $356 insurance.
Counties in Florida you can afford on $200,000
66 of 67 counties have a typical home value at or below $713,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Walton County | $660,738 | +0.9% | 0.45% |
| Collier County | $552,087 | -1.4% | 0.63% |
| Miami-Dade County | $523,240 | +0.6% | 0.81% |
| Saint Johns County | $492,987 | -0.8% | 0.76% |
| Nassau County | $484,963 | +0.7% | 0.71% |
| Palm Beach County | $475,754 | +2.3% | 0.86% |
| Martin County | $448,233 | +0.7% | 0.77% |
| Broward County | $422,344 | -1.6% | 0.94% |
| Franklin County | $422,234 | -2.5% | 0.63% |
| Manatee County | $408,269 | -2.5% | 0.78% |
| Gulf County | $403,845 | -1.0% | 0.63% |
| Orange County | $400,964 | -0.8% | 0.76% |
| Seminole County | $400,341 | -0.3% | 0.67% |
| Sarasota County | $399,023 | -1.7% | 0.75% |
| Sumter County | $387,784 | -0.5% | 0.78% |
| Hillsborough County | $375,501 | -0.9% | 0.81% |
| Saint Lucie County | $370,781 | -0.9% | 0.93% |
| Pinellas County | $368,917 | +0.2% | 0.7% |
| Indian River County | $363,705 | -0.9% | 0.69% |
| Lake County | $360,055 | -2.0% | 0.76% |
| Osceola County | $359,224 | -2.9% | 0.76% |
| Okaloosa County | $352,929 | +0.9% | 0.57% |
| Santa Rosa County | $350,823 | +1.5% | 0.57% |
| Flagler County | $350,266 | -0.2% | 0.76% |
| Bay County | $343,009 | -0.0% | 0.58% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.8% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Florida
Frequently asked questions
How much house can I afford on $200,000 in Florida?
About $713,000 with 20% down at 7.11%, keeping the payment (with Florida's 0.8% property tax and insurance) under $4,667 a month.
Is $200,000 enough to buy a house in Florida?
Yes: the typical Florida home is worth $375,361 (Zillow, September 2026) and $200,000 supports about $713,000. 66 of 67 counties are within budget.