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The Salary You Need to Buy a House in Florida in 2026

The average monthly mortgage payment in Florida is $2,847, requiring a household income of about $122,014 annually to afford it comfortably, based on the 28% income rule. Homeowners insurance averages $223 monthly, higher than the national average, and condo fees can add up to $1,000 monthly. Housing costs vary widely across cities, with median home prices ranging from $313,862 to over $1.4 million.

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Karen

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