Build your Florida move decision report

Build a personalized Florida relocation report with affordability, first-year cash, insurance exposure, hidden costs and next actions.

Your figures, not invented pricesMoney fields start blank. Blank means unknown; enter 0 only when a cost does not apply. These tools do not retrieve local prices or verify licences. Saved entries remain in this browser; do not enter sensitive identifiers on a shared device.

1. Household and housingCity or neighborhood (report label only)Address research note (optional; no automatic lookup)People in householdChildren needing paid careHousing situation

Household size multiplies your per-person food and healthcare amounts. Children multiply your per-child care amount. Housing choice changes applicable ownership costs; it never inserts assumed prices.

Monthly take-home household income

2. Monthly expensesMonthly rent or mortgage principal and interest (exclude escrow)Utilities and internet: entire householdTransport, tolls and parking: entire householdInsurance: total premiums paid monthly; exclude any amount already countedFood and household supplies per person, per monthHealthcare per person, per month (exclude insurance already above)

Childcare per child needing paid care, per month

Debt repayments per month (exclude mortgage)Other recurring monthly expenses

Property tax per month (annual tax divided by 12)HOA or CDD per month (exclude assessments already in tax)Expected maintenance spending per month (not emergency savings)

3. Cash, spending and reservesMoving transport: nonrefundable costNonrefundable setup feesImmediate repairs or furnishings

Closing and lender fees: exclude down payment, deposits and prepaid costs counted elsewhereDown payment: cash converted to home equity

Refundable security or utility depositsEmergency reserve target, including deductible exposureExisting savings already allocated to this reserve

Refundable deposits, home equity and retained emergency savings are not treated as spending. Do not enter the same charge twice. Cash at move-in includes one month of expenses.

Budget evidence / quote references (optional)Date you collected your figures (optional)

4. Manual address research

These are your own confirmations, not checks performed by this website.

I checked the exact address in FEMA’s flood mapOpen FEMA Flood Map Service Center ↗

I obtained address-specific insurance proposalsFlorida DFS consumer information ↗

I confirmed the utility provider and recent billAsk the property owner and serving utility for usage and current charges.

I estimated property tax after purchaseFind the county property appraiser ↗

I read the HOA, CDD and assessment documentsRequest governing documents, fee schedules, reserves and assessments from the association or district.

I mapped work, school, toll and parking tripsUse your actual destinations and travel schedule—not a city average.

I checked roof age and insurer inspection requirementsAsk the insurer which inspection reports and roof documentation it needs.

Report based only on your entered figures

Complete the applicable fields

Monthly spending—

Monthly income remaining—

First-year spending—

Upfront nonrefundable spending—

Refundable cash tied up—

Down payment / equity—

Additional reserve funding—

Cash needed at move-in—

No affordability rating is issued from incomplete or all-zero expenses.

Budget warnings

Your manual next actions

No government record or quote was automatically retrieved or verified. This is a user-entered budgeting worksheet, not an affordability approval. First-year spending = 12 × monthly expenses + upfront nonrefundable spending. Cash at move-in = one monthly budget + upfront spending + deposits + down payment + additional reserve funding.

Prepared with AI assistance. No independent professional reviewer is credited for this page. It is a planning brief, not a verified local-price survey or individual professional advice. Read the review policy.

What this tool does—and does not do

Calculations use the values you enter. No city prices, property records, licence results or professional recommendations are supplied. Save your written evidence and its date; optional evidence fields are notes, not verification.

“Print / Save as PDF” opens your browser’s print dialog. Select its PDF destination if available; this site does not generate a separate PDF file.