De Soto County, Florida home prices
Typical home $250,420 · +0.4% in a year · property tax 0.83%
The typical home in De Soto County is worth $250,420, 33% less than the Florida typical home ($375,361). Values changed +0.4% in the past year and +22.2% over five years. Homeowners here pay a median 0.83% of their home's value in property tax each year ($2,081 on the typical home), versus 0.8% statewide.
Mortgage on the typical De Soto County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,084 | $200,336 | $1,348 | $0 | $299 | $1,646 | $70,600 |
| 10% down | $25,042 | $225,378 | $1,516 | $94 | $299 | $1,909 | $81,800 |
| 5% down | $12,521 | $237,899 | $1,600 | $99 | $299 | $1,998 | $85,600 |
| 3.5% down (FHA) | $8,765 | $245,884 | $1,654 | $111 | $299 | $2,063 | $88,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.83% 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 Arcadia metro area.
Florida counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Bradford County | $252,646 | +4.0% | 0.55% |
| Union County | $256,560 | +0.5% | 0.58% |
| Glades County | $257,042 | -2.8% | 0.85% |
| Lafayette County | $262,301 | +4.9% | 0.55% |
| Hardee County | $235,001 | +1.3% | 0.82% |
| Suwannee County | $266,652 | +2.5% | 0.71% |
| Columbia County | $267,659 | -0.0% | 0.74% |
| Marion County | $267,911 | -2.2% | 0.74% |
| Citrus County | $268,688 | -0.8% | 0.58% |
| Highlands County | $231,284 | -1.4% | 0.72% |
Frequently asked questions
What is the average home price in De Soto County, FL?
The typical home value in De Soto County is $250,420 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in De Soto County?
About $70,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in De Soto County?
The median effective rate is 0.83% of home value a year (Census ACS 2024 5-year estimates).