Gilchrist County, Florida home prices
Typical home $306,253 · +2.4% in a year · property tax 0.65%
The typical home in Gilchrist County is worth $306,253, 18% less than the Florida typical home ($375,361). Values changed +2.4% in the past year and +32.9% over five years. Homeowners here pay a median 0.65% of their home's value in property tax each year ($1,995 on the typical home), versus 0.8% statewide.
Mortgage on the typical Gilchrist County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $61,251 | $245,003 | $1,648 | $0 | $319 | $1,968 | $84,300 |
| 10% down | $30,625 | $275,628 | $1,854 | $115 | $319 | $2,288 | $98,100 |
| 5% down | $15,313 | $290,941 | $1,957 | $121 | $319 | $2,398 | $102,800 |
| 3.5% down (FHA) | $10,719 | $300,706 | $2,023 | $135 | $319 | $2,478 | $106,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.65% 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 Gainesville metro area.
Florida counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| Baker County | $314,146 | +3.4% | 0.64% |
| 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% |
| Volusia County | $324,665 | -0.3% | 0.77% |
Frequently asked questions
What is the average home price in Gilchrist County, FL?
The typical home value in Gilchrist County is $306,253 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Gilchrist County?
About $84,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Gilchrist County?
The median effective rate is 0.65% of home value a year (Census ACS 2024 5-year estimates).