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.

Customize the numbers →Mortgage calculator

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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.

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