Median Sale Price
$395,595
Florida statewide median — below the national $417,700 median
+1.7% YoYFlorida · VA LoansVA Loans in Florida:
VA Loans in Florida:
Eligibility, Benefits & Local Programs
$0Down payment (full entitlement)
No PMINo monthly mortgage insurance
No limitLoan amount with full entitlement
2.15%Funding fee (first use, 0% down)
The short version
VA in Florida at a Glance
VA loans are a benefit earned through military service: eligible Florida veterans, active-duty service members, and qualifying spouses can buy with $0 down and no monthly mortgage insurance.
$0
Down payment (full entitlement)
0
Monthly mortgage insurance (no PMI)
Exempt
Funding fee for most disabled veterans
VA loans are guaranteed by the U.S. Department of Veterans Affairs and originated by VA-approved lenders like Intra Mortgage. You'll need a Certificate of Eligibility (COE), and the home must be your primary residence and pass a VA appraisal. Florida is one of the country's top states for veterans — a huge active-duty and retiree population, no state income tax, and property-tax exemptions for disabled veterans that can save thousands a year.
Florida-specific note: Florida stacks strong veteran benefits on top of the VA loan: a $5,000 homestead property-tax exemption for veterans with a 10%+ service-connected disability, a total homestead exemption for veterans who are 100% permanently and totally disabled, an added discount for combat-disabled veterans age 65+, and benefits for surviving spouses. Confirm current eligibility with your county property appraiser.
Florida housing market
Local Market Snapshot
Florida combines a large, liquid housing market with one of the biggest veteran and military communities in the country — and inventory has loosened, giving VA buyers room.
Days on Market
69 days
Statewide average — slower pace means more negotiating room
Longer than 2024Veteran Population
Top 3
Florida has one of the largest veteran populations in the U.S.
Steady demandMilitary Bases
Many
NAS Jacksonville, NAS Pensacola, Eglin & Tyndall AFB, MacDill AFB & more
StatewideFlorida's military footprint spans the state — from NAS Jacksonville and the Pensacola/Panhandle bases to MacDill in Tampa — and it's a top retirement destination for veterans. One local reality to plan for: Florida homeowner's, wind, and flood insurance are separate from the loan but feed your monthly payment and VA residual-income review, so we quote them early.
Florida veteran benefits
Florida Programs That Stack With a VA Loan
These Florida veteran benefits can work alongside a VA loan to lower your cost of buying and owning.
Total Disabled Veteran Property-Tax Exemption
Full homestead exemption
- Benefit
- Homestead fully exempt from property tax for eligible veterans
- Who qualifies
- 100% permanent & total service-connected disability; surviving spouses may qualify
$5,000 Disabled Veteran Exemption
Partial property-tax exemption
- Benefit
- $5,000 reduction in the home's taxable value
- Who qualifies
- Veterans with a 10%+ service-connected disability rating
Combat-Disabled Senior Discount (65+)
Added homestead discount
- Benefit
- A property-tax discount equal to the combat-related disability percentage
- Who qualifies
- Veterans age 65+ with a combat-related service-connected disability
VA Funding Fee Exemption
Federal benefit for disabled veterans
- Benefit
- The one-time VA funding fee is waived
- Who qualifies
- Veterans receiving VA disability compensation (10%+) and certain others
Stack the benefits. A Florida veteran can pair the VA loan (0% down, no PMI) with — if disability-rated — a waived funding fee and a property-tax exemption worth thousands a year, all in a state with no income tax. Eligibility and program terms change, so we confirm each with the VA and your county property appraiser before you rely on it.
Real scenarios
Florida VA Borrower Profiles
Common veteran and service-member situations we see in Florida — and how the VA benefit works for each.
Profile A
First-use active-duty buyer, Pensacola
Stationed at NAS Pensacola, buying a $340,000 home. Full entitlement, so $0 down. First use with no down payment means a 2.15% funding fee (financed into the loan) unless a disability rating exempts it. No monthly mortgage insurance — but we quote wind/flood insurance early so the full payment is realistic.
$0 downNo PMIQuote insurance early
Profile B
Disabled veteran retiree, Tampa
Rated 100% permanent & total disabled, retiring near Tampa on a $360,000 home. The VA funding fee is waived, and a 100% rating can qualify for a total Florida property-tax exemption on the homestead — a large recurring saving in a no-income-tax state. We line up the COE and exemption paperwork early.
Funding fee waivedProperty-tax exemption$0 down
Profile C
Reusing the benefit, PCS to Jacksonville
Sold a prior VA-financed home and restored full entitlement, now relocating to Jacksonville for a $410,000 purchase. VA has no loan limit with full entitlement, so the price is not a barrier. Subsequent use raises the funding fee unless exempt — we model both.
Entitlement restoredNo loan limitHigher funding fee
Profile D
Condo buyer, coastal Florida
Wants a coastal condo. VA can finance a condo, but the project generally must be on the VA-approved list. We check the building's approval status before writing the offer — the most common way a Florida VA condo deal stalls — and factor wind/flood insurance into the payment.
VA condo approval requiredCheck building firstInsurance matters
Run the numbers
Florida VA Payment Estimator
Estimate your monthly payment. VA has no monthly mortgage insurance — the one-time funding fee is financed into the loan. In Florida, remember insurance is separate and can be significant; ask us for a full quote.
Florida median: $395,595 · VA: no loan limit with full entitlement
Rates vary by credit, lender, and market
Monthly P&I
$2,554
Principal & interest
VA Funding Fee
$8,505
One-time, financed into the loan
Total Monthly
Talk to a loan officer$2,554
P&I only — no monthly MI
Estimates only. The VA funding fee shown is the first-use rate for the selected down payment and is waived for most veterans with a service-connected disability; subsequent use is higher. No monthly mortgage insurance. Does not include property tax (a disabled-veteran exemption may apply), homeowner's / wind / flood insurance, or HOA / condo dues — which run higher in much of Florida. Not a commitment to lend.
Answers to real questions
Florida VA Loan FAQs
From the field
A Florida Loan Officer's Take on VA
"Florida might be the best state in the country to use the VA benefit — huge veteran community, no income tax, and property-tax exemptions that can wipe out a disabled veteran's tax bill. The two things I always get ahead of here are insurance and condo approval, because those — not the loan — are what trip Florida buyers up. Handle them early and VA is hard to beat."
Katie Smith
VP of Operations & Senior Loan Officer, Intra Mortgage — Licensed in FL, IN, OH, MIKatie is licensed across Florida and works with veterans and active-duty service members from the Panhandle bases to Jacksonville and Tampa. She specializes in stacking VA benefits with Florida's veteran property-tax exemptions — and in getting ahead of insurance and condo approval.
What she watches for on Florida VA files:
- Certificate of Eligibility and remaining entitlement — confirmed before the offer
- Wind/flood insurance and condo-approval status that affect the payment and file
- Disabled-veteran funding-fee waiver and county property-tax exemption paperwork
VA-Approved Lender
Full access to VA loan benefits
5.0 Google Rating
Verified borrower reviews
NMLS #2620605
Equal Housing Lender
Licensed in FL, IN, OH, MI
Multi-state mortgage guidance
Ready to move forward?
Talk to a Florida VA specialist
Get straight answers on entitlement, the funding fee, property-tax exemptions, and the benefits you've earned — no obligation.