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Key Largo Mortgage Calculator

Estimate your true cost of homeownership in Key Largo with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$5,449
P&I Payment$3,941
Taxes & Ins$1,307
Utilities$202
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Mortgage Details

$753,941
Local Median: $753,941
$150,788 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$5,449

Monthly Breakdown

Principal & Interest
$3,941
Property Taxes
$290
Homeowners Ins.
$1,017
Utilities
$202

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$815,444

Local Housing Facts for Key Largo

  • ·Median home value: $753,941 (adjusted for current market conditions)
  • ·Est. property taxes: $3,477/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $12,202/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,425/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in Key Largo?

Based on the local median home value, estimated real estate property taxes in Key Largo are around $3,477 per year.

What is the average home price in Key Largo?

The median home value in Key Largo is currently estimated at $753,941.

How much does homeowners insurance cost in Key Largo?

For a median priced home, homeowners insurance in Key Largo averages around $12,202 annually.

What is the true total cost of owning a home in Key Largo?

True homeownership costs go beyond principal and interest. In Key Largo, a typical homeowner with a median-priced home of $753,941 can expect to pay roughly $3,477/yr in property taxes, $12,202/yr for homeowners insurance, and $2,425/yr in energy utilities. That adds approximately $1,509 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.