Gulf County, Florida home prices
Typical home $403,845 · -1.0% in a year · property tax 0.63%
The typical home in Gulf County is worth $403,845, 8% more than the Florida typical home ($375,361). Values changed -1.0% in the past year and +22.0% over five years. Homeowners here pay a median 0.63% of their home's value in property tax each year ($2,549 on the typical home), versus 0.8% statewide.
Mortgage on the typical Gulf County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $80,769 | $323,076 | $2,173 | $0 | $414 | $2,588 | $110,900 |
| 10% down | $40,384 | $363,460 | $2,445 | $151 | $414 | $3,011 | $129,000 |
| 5% down | $20,192 | $383,652 | $2,581 | $160 | $414 | $3,155 | $135,200 |
| 3.5% down (FHA) | $14,135 | $396,530 | $2,667 | $179 | $414 | $3,260 | $139,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.63% 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.
Florida counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Orange County | $400,964 | -0.8% | 0.76% |
| Seminole County | $400,341 | -0.3% | 0.67% |
| Manatee County | $408,269 | -2.5% | 0.78% |
| Sarasota County | $399,023 | -1.7% | 0.75% |
| Sumter County | $387,784 | -0.5% | 0.78% |
| Franklin County | $422,234 | -2.5% | 0.63% |
| Broward County | $422,344 | -1.6% | 0.94% |
| Hillsborough County | $375,501 | -0.9% | 0.81% |
| Saint Lucie County | $370,781 | -0.9% | 0.93% |
| Pinellas County | $368,917 | +0.2% | 0.7% |
Frequently asked questions
What is the average home price in Gulf County, FL?
The typical home value in Gulf County is $403,845 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Gulf County?
About $110,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Gulf County?
The median effective rate is 0.63% of home value a year (Census ACS 2024 5-year estimates).