US car payment calculator (all states)
Florida's average new car price is approximately $44,000 in 2026, with used cars averaging around $28,000. Florida charges a 6% state vehicle sales tax plus county surcharges — bringing the effective rate to up to 7% in many counties. On a $44,000 new car, total tax is approximately $2,640 at 6%. Florida's no state income tax gives residents higher effective buying power for vehicles compared to high-tax states. Auto loan rates range from 3%–5% for excellent credit (700+) to 10%–14%+ for subprime borrowers. Common loan terms are 36–84 months, with 72 months being the most popular for new cars. No major state EV rebates remain in 2026 after federal program changes.
State: Florida (illustrative tax %, fees, and rate pre-filled — edit as needed)
County surtax can push total vehicle tax to 7% — adjust sales tax % for your county. Not a financing offer.
Check your state's rate — varies 0% to 10%+.
Typically $800–$2,500 depending on state and dealer.
Monthly payment
$723.57
Out-the-door price: $48,060
Amount financed: $43,660
Total interest paid: $8,437
Total cost of vehicle: $56,497
Cost breakdown
| Vehicle price | $44,000 |
| Down payment | −$4,400 |
| Trade-in (net) | −$0 |
| Sales tax | +$2,860 |
| Title & fees | +$1,200 |
| Amount financed | $43,660 |
| Total interest | +$8,437 |
| Total cost | $56,497 |
| Credit score | New car (illustrative) | Used car (illustrative) |
|---|---|---|
| 781–850 (Exceptional) | 5.5–7% | 7–9% |
| 661–780 (Good) | 7–9% | 9–12% |
| 601–660 (Fair) | 9–13% | 12–17% |
| 501–600 (Poor) | 13–18% | 17–22% |
| 300–500 (Very Poor) | 18–25%+ | 22–29%+ |
Illustrative ranges only. Actual rates depend on lender, loan term, and your full credit profile.
| Location | State Tax | County Surcharge | Total Rate | On $44,000 |
|---|---|---|---|---|
| Most counties | 6% | 0%–1% | 6%–7% | $2,640–$3,080 |
| Miami-Dade | 6% | 1% | 7% | $3,080 |
| Orlando (Orange) | 6% | 0.5% | 6.5% | $2,860 |
| Tampa (Hillsborough) | 6% | 1% | 7% | $3,080 |
| Jacksonville (Duval) | 6% | 0.5% | 6.5% | $2,860 |
Florida's base vehicle sales tax is 6%, with county discretionary surtaxes adding up to 1% in most counties. On a $44,000 new car in Miami-Dade, total tax is approximately $3,080. Private used vehicle sales are also subject to Florida sales tax at the time of title transfer.
| Credit Profile | Typical APR | On $40,000 / 72 months |
|---|---|---|
| Excellent (700+) | 3%–5% | $590–$644/month |
| Prime (660–699) | 6%–9% | $664–$718/month |
| Fair (620–659) | 10%–13% | $740–$790/month |
| Subprime (below 620) | 14%+ | $820+/month |
Florida's no state income tax gives residents more disposable income for vehicle purchases compared to states like New York or California. Florida's car-centric culture — particularly in Miami, Orlando, and Tampa — means vehicles are essential for daily life, driving strong demand across all segments. Florida is also a major market for luxury vehicles and leasing, with high tourism supporting short-term rentals and lease returns. No major state EV rebates remain in 2026, though some Florida utilities offer minor incentives for EV charging equipment installation.
| Term | Rate | Monthly Payment | Total Interest |
|---|---|---|---|
| 48 months | 6% | $1,034 | $3,632 |
| 60 months | 6% | $851 | $5,060 |
| 72 months | 6% | $729 | $6,488 |
| 84 months | 6% | $638 | $7,992 |
Illustrative principal & interest on amount financed — excludes tax and fees. Use the calculator above for your scenario.
Florida charges a 6% state vehicle sales tax plus county discretionary surtaxes of up to 1%. The effective total rate is 6%–7% depending on county. On a $44,000 car in Miami-Dade, total tax is approximately $3,080. In most other Florida counties, expect $2,640–$2,860.
Car loan rates in Florida range from 3%–5% for excellent credit (700+) to 6%–9% for prime borrowers and 10%–14%+ for subprime. Florida's large credit union and community bank network often offers competitive rates for members with good credit.
Florida has no major state EV rebate in 2026. Some Florida utilities offer minor incentives for EV charging equipment. Federal EV purchase credits ended for most vehicles after September 30, 2025. Buyers can still find manufacturer incentives and dealer discounts on EVs and hybrids.
Florida charges 6%–7% vehicle sales tax vs New York's 8.875% statewide rate. On a $44,000 car, Florida tax is approximately $2,640–$3,080 vs $3,905 in New York — a savings of $825–$1,265. Combined with no state income tax, Florida buyers have significantly more purchasing power.
72 months (6 years) is the most popular car loan term in Florida in 2026, as it minimizes monthly payments. A $40,000 loan at 6% over 72 months costs $729/month with $6,488 in total interest. Over 48 months, the same loan costs $1,034/month but only $3,632 in total interest.
Most Florida lenders prefer a credit score of 660+ for competitive rates. Scores of 700+ qualify for the best rates (3%–5%). Scores below 620 may qualify through subprime lenders at 14%+. Florida's large dealer network including many large franchise dealers offers financing options for most credit profiles.
Educational estimates only. Not a loan offer.