Step 1 of 4 · Plan · Payment calculator

What will this home really cost each month?

Pick a place, a price and a down payment. We fill in the local costs most calculators leave out: property taxes after homestead, insurance, flood and CDD fees.

Prefilled from your blueprint. Change anything.

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Anna Maria Island

We fill in local taxes, insurance, flood and fees for Anna Maria Island. Pin colors compare each place's typical home with what $4,687 a month covers there.

Home price

Starts at the Manatee County median, $495,000 (August 2026).

Down payment: 3.5% ($17,325)

Conventional loans start at 3% down.

Interest rate7.40%

Freddie Mac weekly average, as of Oct 15, 2026 ↗

Your own rate will differ with your credit, down payment and points.

Filled in for Anna Maria Island: a Conventional 30-year loan, property tax at 14.7 mills with the homestead exemption, $6,000 a year of home insurance, $1,250 a year of flood insurance and no HOA dues.

Your monthly cost in Anna Maria Island

$4,687 /mo

Principal and interest$3,307
Mortgage insurance (PMI)$219
Property tax$557
Home insurance$500
Flood insurance$104

PMI is an estimate; your credit sets the real price. You can ask to drop it at 80% of the home's original value, and it ends on its own at 78%.

Cash needed to close

$32,175

$17,325 down plus about $14,850 in closing costs (around 3%).

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Local heads-up: Anna Maria Island

Most island homes sit in high-risk flood zones, so a mortgage requires flood insurance. Ask to take over the seller's policy, which can keep its discount. Source: FEMA flood insurance guide ↗
If repairs on an older island home top half the building's value, FEMA's 50% rule requires raising it to current flood code. Source: Sarasota County floodplain guide ↗

Down payment help. 5 open programs may fit a buyer in Anna Maria Island.

Your next step

Get pre-approved so this rate is real.

A lender checks your income and credit and tells you exactly what you can borrow. Sellers take your offer seriously with it.

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Estimates only, not a loan offer. Tax rates and market numbers come from county and Realtor association data, and the starting interest rate from Freddie Mac's weekly survey. Your real rate, taxes and insurance depend on your credit, the home and your lender.