Gadsden County, Florida home prices
Typical home $199,661 · -0.3% in a year · property tax 0.53%
The typical home in Gadsden County is worth $199,661, 47% less than the Florida typical home ($375,361). Values changed -0.3% in the past year and +30.9% over five years. Homeowners here pay a median 0.53% of their home's value in property tax each year ($1,058 on the typical home), versus 0.8% statewide.
Mortgage on the typical Gadsden County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $39,932 | $159,729 | $1,075 | $0 | $188 | $1,263 | $54,100 |
| 10% down | $19,966 | $179,695 | $1,209 | $75 | $188 | $1,472 | $63,100 |
| 5% down | $9,983 | $189,678 | $1,276 | $79 | $188 | $1,543 | $66,100 |
| 3.5% down (FHA) | $6,988 | $196,044 | $1,319 | $88 | $188 | $1,595 | $68,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.53% 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 Tallahassee metro area.
Florida counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Liberty County | $201,245 | +4.9% | 0.9% |
| Taylor County | $196,856 | +6.1% | 0.65% |
| Madison County | $206,128 | -2.4% | 0.83% |
| Hamilton County | $207,098 | +5.9% | 0.73% |
| Putnam County | $216,313 | +0.7% | 0.78% |
| Dixie County | $217,764 | +2.5% | 0.62% |
| Holmes County | $181,325 | -2.5% | 0.54% |
| Jackson County | $179,815 | +1.0% | 0.5% |
| Washington County | $220,578 | +1.0% | 0.46% |
| Highlands County | $231,284 | -1.4% | 0.72% |
Frequently asked questions
What is the average home price in Gadsden County, FL?
The typical home value in Gadsden County is $199,661 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Gadsden County?
About $54,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Gadsden County?
The median effective rate is 0.53% of home value a year (Census ACS 2024 5-year estimates).