Florida True Cost of Ownership Calculator — Taxes, Flood, HOA, CDD
Calculate the real monthly cost of a Florida home — Save Our Homes tax reset, flood insurance, windstorm, HOA, and CDD bonds. More accurate than Zillow P&I for Florida buyers.
Frequently asked questions
What does the True Cost of Ownership Calculator include that Zillow misses?
Zillow typically shows principal and interest. Dibs on Cribs adds Florida-specific carrying costs — property tax after Save Our Homes reset, flood and windstorm insurance estimates, HOA fees, and CDD assessments — into one monthly total for the address.
Does it use the seller’s capped property tax bill?
No. For Florida purchases, the tax cap usually resets at sale. The calculator estimates what you will pay after that reset using county tax data where available, not just the seller’s current capped bill.
Does it work for Florida condos?
Yes. Condo-aware logic switches to HO-6 style homeowners coverage assumptions, accounts for master-policy windstorm coverage where applicable, and adjusts flood expectations by floor level when that data is available.
Is the True Cost Calculator free?
Yes. Create a free account for two True Cost analyses. Scout unlocks unlimited runs on Scout tools for $49 for three months.
Which Florida counties are covered?
Coverage is strongest in the Tampa Bay tri-county market (Hillsborough, Pinellas, Pasco) and expanding across Florida as county tax, flood, HOA, and CDD data sources come online.