How much house can I afford on $80,000 in Florida?
About $285,000 with 20% down ($227,000 with an FHA loan), using Florida's 0.8% property tax rate.
That is $90,359 less than the typical Florida home ($375,361), so on $80,000 you'd look at cheaper areas or a smaller home. The payment of $1,867 covers $1,534 principal and interest, $190 property tax and $143 insurance.
Counties in Florida you can afford on $80,000
24 of 67 counties have a typical home value at or below $285,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| Columbia County | $267,659 | -0.0% | 0.74% |
| Suwannee County | $266,652 | +2.5% | 0.71% |
| Lafayette County | $262,301 | +4.9% | 0.55% |
| Glades County | $257,042 | -2.8% | 0.85% |
| Union County | $256,560 | +0.5% | 0.58% |
| Bradford County | $252,646 | +4.0% | 0.55% |
| De Soto County | $250,420 | +0.4% | 0.83% |
| Hardee County | $235,001 | +1.3% | 0.82% |
| Highlands County | $231,284 | -1.4% | 0.72% |
| Washington County | $220,578 | +1.0% | 0.46% |
| Dixie County | $217,764 | +2.5% | 0.62% |
| Putnam County | $216,313 | +0.7% | 0.78% |
| Hamilton County | $207,098 | +5.9% | 0.73% |
| Madison County | $206,128 | -2.4% | 0.83% |
| Liberty County | $201,245 | +4.9% | 0.9% |
| Gadsden County | $199,661 | -0.3% | 0.53% |
| Taylor County | $196,856 | +6.1% | 0.65% |
| Holmes County | $181,325 | -2.5% | 0.54% |
| Jackson County | $179,815 | +1.0% | 0.5% |
| Calhoun County | $166,734 | -5.4% | 0.51% |
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 $80,000 in Florida?
About $285,000 with 20% down at 7.11%, keeping the payment (with Florida's 0.8% property tax and insurance) under $1,867 a month.
Is $80,000 enough to buy a house in Florida?
Not the typical home: the typical Florida home is worth $375,361 (Zillow, September 2026) and $80,000 supports about $285,000. 24 of 67 counties are within budget.