A $425,000 home in Apopka with 10% down costs about $3,627 a month at 7.18%, the Freddie Mac average for the week of November 5, 2026. That is about $2,591 of principal and interest, $512 of property tax with homestead, $301 of insurance and $223 of mortgage insurance, before any HOA or CDD. The tool lists every Apopka community with homes starting at or under your price.
How the list is built
Each community page on this site carries a typical price range. The explorer shows every community whose entry price is at or below your budget. Communities whose range reaches up to or past your budget come first, because that is where you are shopping in the middle of the market instead of at the top of it. The line under the count names up to three communities that start just above your number, with their entry prices, so you can see what a little more would open up.
A community appearing here means homes there have typically sold in that range. It does not mean one is for sale today. Ask Robert for what is on the market now.
How the monthly payment is figured
The payment uses the same engine as the mortgage calculator, with fixed assumptions so the two sliders stay simple:
Rate. 7.18%, Freddie Mac's 30-year fixed average for the week of November 5, 2026. That survey assumes 20% down and excellent credit, so your quote may be higher.
Property tax. Apopka's 2026 rate of 16.0079 mills with the homestead exemption ($25,000 plus up to $26,411 on non-school levies). On $425,000 that is about $6,148 a year.
Insurance. $3,610 a year, Orange County's average homeowners premium with wind coverage, as reported from the state regulator's July 1, 2026 report. Newer homes are often lower and older roofs higher.
Mortgage insurance. With less than 20% down on a conventional loan, the tool estimates PMI by loan-to-value: 0.7% of the loan a year at 10% down. Real PMI depends on your credit score.
HOA dues and CDD assessments are left at zero because they differ by community. Some Apopka communities have one or both, so add them before you settle on a budget.
Next steps
If you are not sure the budget is right, start with how much house can I afford. To narrow the list by lot size, home age and amenities, use the neighborhood matchmaker. For the cash you need at closing, see the closing cost calculator. Browse all neighborhoods and the guides, or ask Robert for a list of homes in your range.
Where the numbers come from
| Input | Value | Source |
|---|---|---|
| 30-year fixed average | 7.18% (week of November 5, 2026) | Freddie Mac PMMS |
| City of Apopka millage, 2026 | 16.0079 mills (final) | Orange County Property Appraiser |
| Homestead exemption, 2026 | $25,000 + up to $26,411 | Pinellas County Property Appraiser summary |
| Average insurance, Orange County | $3,610 a year with wind (report of July 1, 2026) | Florida Office of Insurance Regulation, as quoted by LiveCovered |
| Conventional PMI | About 0.46% to 1.50% of the loan a year, by credit score | Urban Institute |
| Community price ranges | Shown on each card | Neighborhood pages on this site |
Questions people ask
What is the monthly payment on a $425,000 house in Florida?
In Apopka, about $3,627 a month with 10% down at 7.18% (November 2026): $2,591 principal and interest, $512 property tax with homestead, $301 insurance and $223 PMI. With 20% down there is no PMI and the loan is smaller. HOA and CDD charges are extra.
Does the payment include HOA and CDD fees?
No. Both are set to zero here because they vary by community and by lot. Add the real figures in the mortgage calculator, which has a field for each.
Why are some communities listed "just above" my budget?
They are the three communities whose entry price is closest above your number. A small move in budget, a seller credit or a different down payment can bring them into range, so it helps to know they exist.
Is the rate in this tool the rate I will get?
Not necessarily. It is the national average 30-year fixed rate from Freddie Mac's weekly survey, 7.18% for the week of November 5, 2026, which assumes 20% down and excellent credit. A lender's quote for you depends on credit, down payment, loan type and points.
