How much do I need to make to buy a $400,000 home?

To buy a $400,000 Florida home you generally need household income around $90,000 to $110,000, assuming a moderate down payment and limited other debt. The wide range reflects how much your taxes, insurance, and existing debts vary.

With 10% down at current rates the full payment including Florida taxes and insurance often lands near $2,800 to $3,100 a month. We'll back into the exact income you need based on your credit, down payment, and the county you're buying in.

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