Tools · Ownership

Keys monthly ownership cost

Mortgage + insurance + taxes + utilities + upkeep. Optional vacation-rental income offset if your subdivision allows it.

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Inputs

Purchase price

Down payment

Rate

Loan term

years

Property tax

$/yr

Homeowners ins.

$/yr

Flood

$/yr

Wind

$/yr

HOA

$/mo

Utilities

$/mo

Upkeep reserve

% of value / yr

1–2% is a common Keys planning assumption.VR income offset

$/mo

Only if your subdivision/jurisdiction permits short-term rental.

Results

Net monthly cost

$9,673

Gross: $9,673 · VR offset: $0

Mortgage total (P&I + ins + tax + HOA): $7,823
Utilities: $350
Upkeep reserve: $1,500

Calculators on this site are estimates. They are not offers of credit, quotes, or financial advice. For a real number, contact Gracie and we'll loop in a Keys-savvy lender and title company.

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