How much house can I afford on $100,000 in Florida?
About $356,000 with 20% down ($284,000 with an FHA loan), using Florida's 0.8% property tax rate.
That is $19,108 less than the typical Florida home ($375,361), so on $100,000 you'd look at cheaper areas or a smaller home. The payment of $2,333 covers $1,917 principal and interest, $238 property tax and $178 insurance.
Counties in Florida you can afford on $100,000
45 of 67 counties have a typical home value at or below $356,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Okaloosa County | $352,929 | +0.9% | 0.57% |
| Santa Rosa County | $350,823 | +1.5% | 0.57% |
| Flagler County | $350,266 | -0.2% | 0.76% |
| Bay County | $343,009 | -0.0% | 0.58% |
| Brevard County | $342,346 | -0.5% | 0.68% |
| Clay County | $335,274 | -0.3% | 0.72% |
| Lee County | $334,485 | -3.5% | 0.79% |
| Pasco County | $328,125 | -1.9% | 0.73% |
| Volusia County | $324,665 | -0.3% | 0.77% |
| Baker County | $314,146 | +3.4% | 0.64% |
| Gilchrist County | $306,253 | +2.4% | 0.65% |
| Hernando County | $306,116 | -1.7% | 0.67% |
| Jefferson County | $305,552 | +4.4% | 0.62% |
| Alachua County | $298,912 | -1.3% | 0.96% |
| Charlotte County | $298,906 | -3.3% | 0.85% |
| Polk County | $295,509 | -2.2% | 0.73% |
| Duval County | $294,079 | -0.3% | 0.75% |
| Leon County | $291,390 | +1.5% | 0.79% |
| Okeechobee County | $289,216 | +0.8% | 0.74% |
| Levy County | $287,334 | -0.7% | 0.63% |
| Wakulla County | $285,880 | +0.9% | 0.64% |
| Escambia County | $280,027 | +1.4% | 0.58% |
| Hendry County | $270,219 | -4.1% | 0.8% |
| Citrus County | $268,688 | -0.8% | 0.58% |
| Marion County | $267,911 | -2.2% | 0.74% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.8% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Florida
Frequently asked questions
How much house can I afford on $100,000 in Florida?
About $356,000 with 20% down at 7.11%, keeping the payment (with Florida's 0.8% property tax and insurance) under $2,333 a month.
Is $100,000 enough to buy a house in Florida?
Not the typical home: the typical Florida home is worth $375,361 (Zillow, September 2026) and $100,000 supports about $356,000. 45 of 67 counties are within budget.