Jacksonville Mortgage Calculator
Estimate your monthly mortgage payment in Jacksonville, FL. On the local median home value of $310,000 — with a 20% down payment at today's rates — expect a total monthly payment (principal, interest, taxes, and insurance) of about $2,103. Adjust every input for your situation.
Monthly Breakdown
- Principal & Interest$1,568
- Property Tax$235
- Home Insurance$300
Amortization Schedule
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $18,810 | $2,772 | $16,038 | $245,228 |
| 2 | $18,810 | $2,958 | $15,853 | $242,270 |
| 3 | $18,810 | $3,156 | $15,655 | $239,115 |
| 4 | $18,810 | $3,367 | $15,443 | $235,748 |
| 5 | $18,810 | $3,593 | $15,218 | $232,155 |
| 6 | $18,810 | $3,833 | $14,977 | $228,322 |
| 7 | $18,810 | $4,090 | $14,721 | $224,232 |
| 8 | $18,810 | $4,364 | $14,447 | $219,869 |
| 9 | $18,810 | $4,656 | $14,154 | $215,213 |
| 10 | $18,810 | $4,968 | $13,843 | $210,245 |
| 11 | $18,810 | $5,300 | $13,510 | $204,944 |
| 12 | $18,810 | $5,655 | $13,155 | $199,289 |
| 13 | $18,810 | $6,034 | $12,776 | $193,255 |
| 14 | $18,810 | $6,438 | $12,372 | $186,816 |
| 15 | $18,810 | $6,870 | $11,941 | $179,947 |
| 16 | $18,810 | $7,330 | $11,481 | $172,617 |
| 17 | $18,810 | $7,820 | $10,990 | $164,797 |
| 18 | $18,810 | $8,344 | $10,466 | $156,452 |
| 19 | $18,810 | $8,903 | $9,907 | $147,549 |
| 20 | $18,810 | $9,499 | $9,311 | $138,050 |
| 21 | $18,810 | $10,136 | $8,675 | $127,914 |
| 22 | $18,810 | $10,814 | $7,996 | $117,100 |
| 23 | $18,810 | $11,539 | $7,272 | $105,561 |
| 24 | $18,810 | $12,311 | $6,499 | $93,250 |
| 25 | $18,810 | $13,136 | $5,675 | $80,114 |
| 26 | $18,810 | $14,016 | $4,795 | $66,099 |
| 27 | $18,810 | $14,954 | $3,856 | $51,145 |
| 28 | $18,810 | $15,956 | $2,855 | $35,189 |
| 29 | $18,810 | $17,024 | $1,786 | $18,164 |
| 30 | $18,810 | $18,164 | $646 | $0 |
Swipe the table sideways to see all columns →
How to use this calculator
The Home Price field is pre-filled with the median home value in Jacksonville (about $310,000). Override with your target home's actual price to get a payment estimate for that specific property.
The Property Tax Rate is pre-filled with Florida's average effective rate of 0.91%. Within Florida, rates vary by county — if you know your specific local rate, override it for a more precise estimate.
Adjust the Down Payment slider to see how your payment changes. Below 20% down triggers PMI; the calculator adds it automatically and shows a warning.
Scroll down for the full PITI breakdown, monthly payment pie chart, and complete month-by-month amortization schedule.
How it works
Buying a median-priced home in Jacksonville. At $310,000 with a 20% down payment, you'd bring $62,000 to closing (plus closing costs) and take out a $248,000 mortgage. At a 6.50% interest rate on a 30-year fixed loan, your monthly principal + interest is roughly $1,568.
Annual costs on top of the loan. Florida's average property tax rate is 0.91%, so a median-priced Jacksonville home generates approximately $2,821 in annual property tax (about $235/mo when paid through escrow). Homeowner's insurance in Florida averages around $3,600/year.
Total monthly payment (PITI) on the median Jacksonville home works out to about $2,103 per month at current rates, assuming a 20% down payment and no HOA. If you're putting less than 20% down, add PMI to this — typically 0.5–1.5% of the loan balance per year.
Rates change; this is the math, not the offer. Mortgage rates fluctuate daily. Our default of 6.50% is a recent conventional 30-year benchmark — enter today's quoted rate from your lender for the most accurate payment estimate.
Frequently Asked Questions
Looking for a different city? Browse all cities. For Florida-specific property taxes, see the Florida Property Tax Calculator.