Jupiter Inlet Colony mortgage calculator
What a Jupiter Inlet Colony mortgage costs each month, how long it runs, what it costs in total, and how much sooner it ends if you pay a little more. Built on monthly compounding and the 30-year fixed loan, and on this coast the payment is the smaller half of what you will actually send every month.
Calculator
The purchase
20.0% down. The minimum on this price is $116,211. At 20% or more there is no mortgage insurance.
A US lender qualifies you on debt-to-income rather than at a stress-test rate, so this payment is the payment. What varies is the rate you are quoted: credit score, points paid at closing and the lender itself move it by more than half a point.
The contract length, not the amortization. At the end of it you renew at whatever rates are then available.
Paying it down faster
Most lenders cap annual prepayments at 10–20% of the original principal, and charge a penalty above it. Check your own commitment before planning around a large lump sum.
A loan above $832,750 is a jumbo in this county rather than a conforming one. Jumbo underwriting is its own product. Expect a different rate, tighter reserves and, usually, more than 20% down.
Where the money goes, year by year
Early payments are almost all interest. The crossover (the year principal finally exceeds interest) is the real shape of an amortized loan, and it is much later than most people expect.
Show the first two years of the schedule
| Payment | Amount | Interest | Principal |
|---|---|---|---|
| 1 | $19,935.33 | $17,225.10 | $2,710.23 |
| 2 | $19,935.33 | $17,210.03 | $2,725.30 |
| 3 | $19,935.33 | $17,194.88 | $2,740.45 |
| 4 | $19,935.33 | $17,179.65 | $2,755.68 |
| 5 | $19,935.33 | $17,164.34 | $2,770.99 |
| 6 | $19,935.33 | $17,148.93 | $2,786.40 |
| 7 | $19,935.33 | $17,133.45 | $2,801.88 |
| 8 | $19,935.33 | $17,117.87 | $2,817.46 |
| 9 | $19,935.33 | $17,102.21 | $2,833.12 |
| 10 | $19,935.33 | $17,086.46 | $2,848.87 |
| 11 | $19,935.33 | $17,070.63 | $2,864.70 |
| 12 | $19,935.33 | $17,054.71 | $2,880.62 |
| 13 | $19,935.33 | $17,038.69 | $2,896.64 |
| 14 | $19,935.33 | $17,022.59 | $2,912.74 |
| 15 | $19,935.33 | $17,006.40 | $2,928.93 |
| 16 | $19,935.33 | $16,990.12 | $2,945.21 |
| 17 | $19,935.33 | $16,973.75 | $2,961.58 |
| 18 | $19,935.33 | $16,957.29 | $2,978.04 |
| 19 | $19,935.33 | $16,940.74 | $2,994.59 |
| 20 | $19,935.33 | $16,924.09 | $3,011.24 |
| 21 | $19,935.33 | $16,907.36 | $3,027.97 |
| 22 | $19,935.33 | $16,890.53 | $3,044.80 |
| 23 | $19,935.33 | $16,873.60 | $3,061.73 |
| 24 | $19,935.33 | $16,856.58 | $3,078.75 |
Derived from the figures above, not a lender's statement. A real schedule also depends on your closing date and the lender's rounding.
An estimate from published figures, not a lender quote.
The payment is the smaller half of the monthly cost here
Principal and interest is what this calculator computes. On the typical Jupiter Inlet Colony house your lender will escrow roughly $5,889 a month in property tax: the 1.82% a homesteaded buyer pays out of 18.4393 mills charged, and about $850 a month in homeowners insurance, before a separate flood policy. That insurance figure is the single largest uncertainty on this page and the reason a Palm Beach County purchase can fail underwriting on a payment that looked comfortable.
Florida taxes the loan, not just the deed
The documentary stamp tax on the deed, at 70 cents per $100, is the seller's by convention. What is the buyer's is a second documentary stamp on the promissory note at 0.35% and a non-recurring intangible tax on the mortgage at 0.2%: both charged on the amount borrowed rather than the price. On this house that is $17,044 at 20% down and $20,240 at 5% down. It is one of the few closing costs that gets larger the less you put down, and it is cash at the table rather than part of the payment.
PMI is the number to watch, not the rate
Below 20% down the lender adds private mortgage insurance, which insures the lender rather than you. Federal law makes them terminate it once the scheduled balance first reaches 78% of the purchase price, and you can ask for cancellation at 80% if you are current. The calculator shows the exact month rather than averaging the premium across the loan, and the month moves when you add extra principal, because the trigger is the amortization schedule rather than what the house is worth.
Monthly compounding, and why the Canadian number would be wrong
An American fixed-rate mortgage compounds monthly: the periodic rate is the annual rate divided by twelve. Canadian mortgages compound twice a year, which makes the same nominal rate slightly cheaper. This site runs both conventions and no page borrows the other country's arithmetic.
What this cannot tell you
None of this includes a community development district assessment. A CDD is a special-purpose government that borrows to build a master-planned community's roads, drainage and amenities and repays the bonds through a non-ad-valorem line on your tax bill. Commonly $1,200 to $3,000 a year in the newer parts of Florida. It is in no millage, it is not in any figure here, and it is the first thing to check on a new-build address. It also cannot tell you what an insurer will quote on the specific structure (roof age, construction, opening protection and flood zone move that figure by multiples) or what the property appraiser will assess the house at in the January after you buy, which will be your purchase price rather than the seller's capped assessment. For the full comparison against renting, use the rent versus buy calculator.
The county library district's 0.5491 mills is modelled here per municipality rather than left out. The property appraiser's taxing-authority chart carries a library column for every tax district code, and it shows eleven of these twenty-four municipalities inside the district and thirteen outside it, most of the thirteen because they run a library of their own. Whichever is right for this municipality is already in the figure above.
Sources
- Zillow Home Value Index (ZHVI), all homes, mid-tier, smoothed and seasonally adjusted: city file, June 2026 · Zillow Research · retrieved Supports: A typical home value for the 35th to 65th percentile of each municipality's market, computed on one method across all twenty-four, The same series and month the Charlotte and Orlando metro pages use, so all three American layers can be read against each other, Year-over-year change to June 2026
- Zillow Observed Rent Index (ZORI), all homes, smoothed: city file, June 2026 · Zillow Research · retrieved Supports: Asking rents across the whole rental stock for the eighteen municipalities Zillow indexes, No index at all for the six smallest, several of which have fewer than five hundred residents
- Taxing Authority Code Description, Palm Beach County 2025 · Palm Beach County Property Appraiser · retrieved Supports: One row per tax authority code, 123 codes, with a named column for every levy and a published TOTAL, which settles the district set for all twenty-four municipalities by inspection, The Fire/Rescue MSTU at 3.4581 on five of the twenty-four and on no others: South Palm Beach, Lake Worth Beach, Wellington, Royal Palm Beach and Lake Park, The county Library district at 0.5491 on eleven: Ocean Ridge, Hypoluxo, South Palm Beach, Greenacres, Wellington, Royal Palm Beach, Palm Beach Shores, Palm Beach Gardens, Jupiter, Jupiter Inlet Colony and Tequesta, The Jupiter Inlet District at 0.0722 on three: Jupiter, Tequesta and Jupiter Inlet Colony, Children's Services 0.4908, the Health Care District 0.6561 and F.I.N.D. 0.0270 on all 123 codes, which is why they are countywide here, The published TOTAL every row in this layer reproduces, from Palm Beach's 14.8690 to Lake Worth Beach's 21.6106
- 2025 millage rates by taxing authority, Palm Beach County · Palm Beach County Property Appraiser · retrieved Supports: The countywide levies: county 4.5000 and county debt 0.0330, school state 3.0730 and local 3.2480, Children's Services 0.4908, Health Care District 0.6561, three SFWMD levies totalling 0.2301 and FIND 0.0270, The conditional Fire/Rescue MSTU at 3.4581 and the separate Jupiter Fire/Rescue MSTU at 1.7251, Every municipality's own operating and debt millage, and the Greater Boca Raton Beach and Park District at 1.0800, A published total for Boca Raton of 17.0029 mills, which this layer's stack reproduces exactly
- 2026 Proposed, Rollback and 2025 Final Millage Rates, Palm Beach County · Palm Beach County Property Appraiser · retrieved Supports: The 2025 Final column corroborating the three district rates read off the code chart: Fire/Rescue 3.4581, Library 0.5491 and Jupiter Inlet District 0.0722, F.I.N.D. at 0.0270 for 2025, against the 0.0288 this layer carried for a year, which is the 2024 rate
- Table 1: Comparison of Taxes Levied, county and municipal governments, fiscal years 2024-25 and 2025-26: Palm Beach · Florida Department of Revenue, Property Tax Oversight · retrieved Supports: The adopted 2025-26 millage rate and taxes levied for Palm Beach County and every municipality in it, Independent confirmation of the municipal rates taken from the property appraiser's table
- Areas served · Palm Beach County Fire Rescue · retrieved Supports: Which of these municipalities Palm Beach County Fire Rescue serves, which it only dispatches for, and which it neither serves nor dispatches: seven of the twenty-four here are served, eleven are dispatched only, and six are in neither list, That the county serves Manalapan, which is outside the Fire/Rescue MSTU, so the one municipality here buying the county's service under a contract paid from its own general fund is Manalapan, Not who provides the service where the county does not, which the page does not say, and not which are inside the Fire/Rescue MSTU, which is the question the tax bill answers and the appraiser's code chart settles
- Annual estimates of the resident population for incorporated places, 2020 to 2024 · United States Census Bureau, Population Estimates Program · retrieved Supports: 2020 census counts and 2024 estimates for each municipality, West Palm Beach at 127,744 and Boca Raton at 102,238; Golf at 273 and Jupiter Inlet Colony at 456
- Average cost of home insurance in Florida, 2026 · MoneyGeek · retrieved Supports: A Palm Beach County average of about $6,614 a year against a Florida average of about $3,815 and a national average of about $2,543, Coastal and barrier-island exposure as the largest single driver of the difference
- Primary Mortgage Market Survey · Freddie Mac · retrieved Supports: 30-year fixed-rate mortgage averaging 6.67%
- Documentary stamp tax · Florida Department of Revenue · retrieved Supports: 70 cents per $100 on a deed, in every county except Miami-Dade, which charges 60 cents plus a 45-cent surtax, 35 cents per $100 on a promissory note or other written obligation to pay money
- Governmental leasehold intangible personal property tax and the non-recurring intangible tax on mortgages · Florida Department of Revenue · retrieved Supports: A non-recurring intangible tax of 2 mills: 0.2%, on the obligation secured by a mortgage on Florida real property
- Property tax exemptions and additional benefits · Florida Department of Revenue · retrieved Supports: A $25,000 homestead exemption applying to all taxing authorities and a second slice, $25,000 in the 2024 base year and adjusted for inflation each 1 January since, applying to all but the school district, The Save Our Homes assessment limitation of 3% or the change in CPI, whichever is lower, Portability of up to $500,000 of accrued Save Our Homes benefit to a new homestead, The 1 March filing deadline
- Chapter 2023-17, Laws of Florida: preemption of rent control · The Florida Senate · retrieved Supports: The repeal of the referendum exception that had allowed a local rent control ordinance in a declared housing emergency
These are estimates built from published figures, not a lender quote, a pre-approval or financial advice. Rates, premiums and state and federal rules change; confirm anything you plan to act on with a mortgage professional and read the sourcing methodology.