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Pinellas County Mortgage Calculator

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

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Est. Total Monthly Cost
$2,825
P&I Payment$2,295
Taxes & Ins$366
Utilities$165
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Mortgage Details

$437,720
Local Median: $437,720
$87,544 (20%)
%

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

Local Area Costs

Monthly$2,825

Monthly Breakdown

Principal & Interest
$2,295
Property Taxes
$222
Homeowners Ins.
$145
Utilities
$165

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$475,866

Local Housing Facts for Pinellas County

  • ·Median home value: $437,720 (adjusted for current market conditions)
  • ·Est. property taxes: $2,659/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,735/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,975/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 Pinellas County?

Based on the local median home value, estimated real estate property taxes in Pinellas County are around $2,659 per year.

What is the average home price in Pinellas County?

The median home value in Pinellas County is currently estimated at $437,720.

How much does homeowners insurance cost in Pinellas County?

For a median priced home, homeowners insurance in Pinellas County averages around $1,735 annually.

What is the true total cost of owning a home in Pinellas County?

True homeownership costs go beyond principal and interest. In Pinellas County, a typical homeowner with a median-priced home of $437,720 can expect to pay roughly $2,659/yr in property taxes, $1,735/yr for homeowners insurance, and $1,975/yr in energy utilities. That adds approximately $531 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.