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Keyscations Realty
Gracie DorrBrokered by Keyscations Realty
Tools · Explore

What do Keys properties actually cost per month?

Four real-world property profiles, with realistic Keys tax and insurance loads. Use it to calibrate expectations before you fall in love with a specific listing.
Ramrod Key

Ramrod canal bungalow

3BR / 2BA · 1,800 sqft · canal-front

Monthly total

$7,528

$1,100,000 · 20% down · 7.25% · 30yr

P&I
$6,003
Property tax
$708
Homeowners
$267
Flood
$200
Wind
$350
HOA
$0

Classic Lower Keys canal home. Primary-home or light-seasonal-use buyer profile.

Marathon

Marathon VR-permitted stilt

4BR / 3BA · 2,600 sqft · ocean-side stilt

Monthly total

$13,914

$2,200,000 · 25% down · 7.25% · 30yr

P&I
$11,256
Property tax
$1,375
Homeowners
$450
Flood
$267
Wind
$567
HOA
$0

Middle Keys investor profile. Monthly before any VR income offset.

Key West

Old Town conch

3BR / 2BA · 1,500 sqft · Old Town historic

Monthly total

$12,063

$1,900,000 · 25% down · 7.25% · 30yr

P&I
$9,721
Property tax
$1,192
Homeowners
$400
Flood
$117
Wind
$633
HOA
$0

Historic Old Town — wind-dominant insurance load, smaller flood exposure in elevated X zones.

Key Colony Beach

Key Colony Beach condo

2BR / 2BA · 1,150 sqft · ocean-view condo

Monthly total

$6,891

$995,000 · 25% down · 7.25% · 30yr

P&I
$5,091
Property tax
$625
Homeowners
$183
Flood
$92
Wind
$250
HOA
$650

Walk-everywhere KCB condo. HOA dues are material — always ask what's covered.

Talk to Gracie

Your specific property?

Share the address and Gracie will build a realistic monthly carrying cost based on actual tax records, insurance quotes, and HOA dues.