On a $430,000 Apopka home with 10% down at 7.18%, expect about $3,670 a month all-in: about $2,620 of principal and interest, about $520 of property tax with homestead, about $300 of insurance and about $225 of PMI, before any HOA or CDD.
What this calculator counts that others skip
Property tax by district. A home inside Apopka city limits is taxed at 16.0079 mills for 2026; a home in unincorporated Orange County nearby pays a base 15.9798 mills. The calculator applies the right one, then subtracts the homestead exemption if you will live in the home.
The 2027 and 2028 homestead change. Florida voters approved Amendment 3 on November 3, 2026. It raises the homestead exemption on non-school taxes to $150,000 in 2027 and $250,000 in 2028. Buyers who become Florida residents after 2026 start at $50,000 and phase in. Switch the tax year to see what that does to the payment. The result is unofficial until certified and the legislature still has to pass implementing law, so treat 2027 and 2028 as estimates.
Insurance at Florida prices. The default is $3,610 a year, Orange County's average homeowners premium with wind coverage, as reported from the state regulator's July 2026 report. An older roof, a pool or a claim history moves it. Replace it with a real quote as soon as you have one.
Program fees. FHA adds a 1.75% upfront premium and 0.50% to 0.55% a year. VA adds a funding fee (2.15% with less than 5% down on first use) and no monthly mortgage insurance. USDA adds 1% upfront and 0.35% a year, and depends on the address: check the USDA eligibility map. Conventional loans with less than 20% down carry PMI, estimated here by loan-to-value.
CDD assessments. Some newer Apopka communities sit in a Community Development District and carry an annual assessment on the tax bill. It is not in the millage, so add it yourself. Robert can pull the exact figure for any address.
Where the numbers come from
| Input | Value | Source |
|---|---|---|
| 30-year fixed average | 7.18% (week of Nov 5, 2026) | Freddie Mac PMMS |
| City of Apopka millage, 2026 | 16.0079 mills | Orange County Property Appraiser |
| Homestead exemption, 2026 | $25,000 + up to $26,411 | Florida Dept. of Revenue |
| Conforming / FHA loan limit, 2026 | $832,750 / $541,287 | FHFA, HUD |
| FHA mortgage insurance | 1.75% upfront; 0.50%–0.55% a year | HUD Mortgagee Letter 2023-05 |
| VA funding fee | 2.15% / 1.5% / 1.25% | U.S. Dept. of Veterans Affairs |
| Average insurance, Orange County | $3,610 a year with wind | Florida Office of Insurance Regulation, July 2026 report |
Questions people ask
How much is property tax on a house in Apopka?
For 2026 the total rate inside Apopka city limits is 16.0079 mills, or about $16.01 per $1,000 of taxable value. On a $430,000 homesteaded home that is roughly $6,200 a year. Without homestead it is about $6,900. Use the property tax estimator for your price.
Why is my tax bill higher than the seller's?
Florida caps the yearly increase in a homesteaded owner's assessed value at 3% or inflation, whichever is lower. When the home sells, the assessment resets to market value the following January 1. A long-time owner's bill can be thousands below what the next owner pays.
What credit score and down payment do I need in Florida?
Conventional loans start at 3% down for first-time buyers and 5% otherwise. FHA is 3.5% down with a 580 score. VA and USDA are 0% down for those who qualify. Florida's Hometown Heroes programme adds 5% of the loan, $10,000 to $35,000, toward down payment and closing costs when funding is open. See the assistance finder.
What is a CDD fee?
A Community Development District is a special district that financed a neighborhood's roads, utilities and amenities with bonds. Owners repay it through an annual assessment collected on the property tax bill. It is separate from HOA dues and from the millage, and it varies by community and lot.
