Home Budget Calculator — What Can You Afford in Florida?
Find your max purchase price from income, debts, and down payment — with Florida carrying costs in mind, not just the mortgage payment.
Frequently asked questions
How is this different from a generic mortgage affordability calculator?
It still starts from income, debts, and down payment — but keeps Florida carrying costs in mind so your max purchase price reflects more than principal and interest alone.
Do I need a specific home address to use the budget calculator?
No. The budget tool is for planning how much house you can afford before you shop specific listings. Pair it with True Cost once you have a target address.
Is the Home Budget Calculator free?
Yes. It is a free Florida homebuyer tool on Dibs on Cribs — no Scout upgrade required.
Should I use pre-tax or take-home income?
Use the income figure your lender will underwrite (typically gross monthly income for DTI). Then stress-test the result with realistic Florida tax, insurance, and HOA/CDD assumptions.