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Cost Shift Audit

Florida vs. East Tennessee Cost Shift Audit

Enter your real numbers. See exactly what your life costs in Florida — and what it would cost in East Tennessee. Every field is editable. Results update instantly.

Default values are current market averages. Replace them with your actual figures for a personalized result.

Your Florida situation

Current costs — edit to match your situation

Your current estimated market value

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Florida avg: $6,000–$11,000/yr

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Check your most recent tax bill

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Many new construction communities: $0

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P&I + escrow, or 0 if paid off

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Electric, water, gas average

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Florida avg: $2,800–$3,800/yr

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East Tennessee projection

Projected costs — edit to match your research

Your current estimated market value

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TN avg: $1,400–$2,200/yr

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Hamilton/Loudon avg: ~0.56% effective

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Many new construction communities: $0

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Based on your financing scenario

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TVA power rates are among the lowest in the US

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TN avg: $1,400–$1,900/yr

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Your Cost Shift Summary

Category
Florida
Tennessee
Difference
Homeowner's Insurance
$8,400
$1,800
-$6,600
Property Tax
$4,950
$1,960
-$2,990
HOA Fees (annual)
$4,200
$0
-$4,200
Mortgage Payment (monthly) (annual)
$26,400
$21,600
-$4,800
Utilities (monthly) (annual)
$3,840
$3,000
-$840
Auto Insurance (annual)
$3,200
$1,600
-$1,600
Equity Released (Home Value Diff.)
$450,000
$350,000
+$100,000
Annual Total
$50,990
$29,960
Saving $21,030/yr

Adjust the fields above with your real numbers to see your personalized cost shift.

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