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Mortgage Calculator &
Closing Costs: Tallahassee, FL

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

Median Home Price
$275K
Population
196K
Avg Monthly Rent
$1,280
Property Tax Rate
0.86%
Tallahassee vs Florida Median
The median home price in Tallahassee is $275,000, which is 30% below the Florida state median of $395,000.

Mortgage Calculator — Tallahassee, FL

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

$
$55,000
%
%
years
FL avg
%
$
Monthly Payment (PITI)
$1,938
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,391
per month
Taxes & Insurance
$547
per month
Total Interest Paid
$281K
over 30 years
Total Loan Cost
$501K
all payments
Payment Breakdown
Loan Amount$220,000
Principal & Interest$1,391
Property Taxes$197
Homeowners Insurance$350
Total Monthly PITI$1,938

Closing Costs — Tallahassee, FL

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

$
%
Florida: Avg closing costs 1.8% of price. Transfer tax: 0.7%.
Estimated Closing Costs
$13,899
5.1% of purchase price
Lender Fees
$2,405
origination, underwriting
Third-Party
$2,825
appraisal, title, inspection
Government Fees
$1,925
transfer taxes, recording
Prepaids + Escrow
$6,744
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,980
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,675
Recording Fee$150
Transfer Tax$1,925
Prepaid Taxes (3 mo)$591
Prepaid Insurance (12 mo)$4,200
Prepaid Interest (15 days)$661
Escrow Reserves$1,291
Total Closing Costs$13,899

Buying a Home in Tallahassee, Florida

The median home price in Tallahassee is $275,000, 30% below the Florida state median of $395,000. With a population of 196,169, Tallahassee is a mid-size city 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 $275,000 home in Tallahassee would carry roughly $197/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 Tallahassee is $1,280/month. The price-to-rent ratio in Tallahassee is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Tallahassee presents moderate affordability. The $275K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

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