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Mortgage Calculator &
Closing Costs: Kissimmee, FL

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Kissimmee, Florida.

Median Home Price
$345K
Population
79K
Avg Monthly Rent
$1,520
Property Tax Rate
0.86%
Kissimmee vs Florida Median
The median home price in Kissimmee is $345,000, which is 13% below the Florida state median of $395,000.

Mortgage Calculator — Kissimmee, FL

Pre-filled with Kissimmee median home price and Florida tax/insurance rates. Adjust for your property.

$
$69,000
%
%
years
FL avg
%
$
Monthly Payment (PITI)
$2,342
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$1,745
per month
Taxes & Insurance
$597
per month
Total Interest Paid
$352K
over 30 years
Total Loan Cost
$628K
all payments
Payment Breakdown
Loan Amount$276,000
Principal & Interest$1,745
Property Taxes$247
Homeowners Insurance$350
Total Monthly PITI$2,342

Closing Costs — Kissimmee, FL

Estimated closing costs based on Florida rates and fees applied to Kissimmee prices.

$
%
Florida: Avg closing costs 1.8% of price. Transfer tax: 0.7%.
Estimated Closing Costs
$15,712
4.6% of purchase price
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Lender Fees
$2,909
origination, underwriting
Third-Party
$3,175
appraisal, title, inspection
Government Fees
$2,415
transfer taxes, recording
Prepaids + Escrow
$7,213
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,484
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,025
Recording Fee$150
Transfer Tax$2,415
Prepaid Taxes (3 mo)$742
Prepaid Insurance (12 mo)$4,200
Prepaid Interest (15 days)$829
Escrow Reserves$1,442
Total Closing Costs$15,712

Buying a Home in Kissimmee, Florida

The median home price in Kissimmee is $345,000, 13% below the Florida state median of $395,000. With a population of 79,226, Kissimmee is a smaller market where home prices tend to be more accessible than in many parts of Florida.

Property taxes in Florida average 0.86% annually. This moderate property tax rate means a $345,000 home in Kissimmee would carry roughly $247/month in property taxes. Homeowners insurance in Florida runs approximately $4,200 per year. Insurance costs are notably high — factor this into your monthly budget.

Average rent in Kissimmee is $1,520/month. The price-to-rent ratio in Kissimmee is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Kissimmee presents moderate affordability. The $345K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

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