Worth knowing
What the number leaves out
Dues and insurance are separated out. They are the part of the payment that varies most between two buildings on the same street, and a figure that hides them is not one you can compare. A building with thin reserves can also charge an assessment on top, which no calculator can predict.
Closing costs are not in this number. Budget for them separately. On a new building, read the deposit schedule in the developer’s contract, which stages payments across construction.
Property tax varies by county. The default is a general figure. Florida property tax varies by county and by exemption, and a recent sale can reset the assessed value. Use your own number if you have it.