Columbia County, Florida home prices
Typical home $267,659 · -0.0% in a year · property tax 0.74%
The typical home in Columbia County is worth $267,659, 29% less than the Florida typical home ($375,361). Values changed -0.0% in the past year and +26.9% over five years. Homeowners here pay a median 0.74% of their home's value in property tax each year ($1,969 on the typical home), versus 0.8% statewide.
Mortgage on the typical Columbia County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $53,532 | $214,127 | $1,440 | $0 | $298 | $1,738 | $74,500 |
| 10% down | $26,766 | $240,893 | $1,621 | $100 | $298 | $2,019 | $86,500 |
| 5% down | $13,383 | $254,276 | $1,711 | $106 | $298 | $2,114 | $90,600 |
| 3.5% down (FHA) | $9,368 | $262,811 | $1,768 | $118 | $298 | $2,184 | $93,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.74% 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.
What it takes: see what you can afford by salary in Florida · part of the Lake City metro area.
Florida counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Marion County | $267,911 | -2.2% | 0.74% |
| Suwannee County | $266,652 | +2.5% | 0.71% |
| Citrus County | $268,688 | -0.8% | 0.58% |
| Hendry County | $270,219 | -4.1% | 0.8% |
| Lafayette County | $262,301 | +4.9% | 0.55% |
| Glades County | $257,042 | -2.8% | 0.85% |
| Union County | $256,560 | +0.5% | 0.58% |
| Escambia County | $280,027 | +1.4% | 0.58% |
| Bradford County | $252,646 | +4.0% | 0.55% |
| De Soto County | $250,420 | +0.4% | 0.83% |
Frequently asked questions
What is the average home price in Columbia County, FL?
The typical home value in Columbia County is $267,659 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Columbia County?
About $74,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Columbia County?
The median effective rate is 0.74% of home value a year (Census ACS 2024 5-year estimates).