Holmes County, Florida home prices
Typical home $181,325 · -2.5% in a year · property tax 0.54%
The typical home in Holmes County is worth $181,325, 52% less than the Florida typical home ($375,361). Values changed -2.5% in the past year and +4.7% over five years. Homeowners here pay a median 0.54% of their home's value in property tax each year ($987 on the typical home), versus 0.8% statewide.
Mortgage on the typical Holmes County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $36,265 | $145,060 | $976 | $0 | $173 | $1,149 | $49,200 |
| 10% down | $18,132 | $163,192 | $1,098 | $68 | $173 | $1,339 | $57,400 |
| 5% down | $9,066 | $172,259 | $1,159 | $72 | $173 | $1,404 | $60,200 |
| 3.5% down (FHA) | $6,346 | $178,041 | $1,198 | $80 | $173 | $1,451 | $62,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.54% 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 |
|---|---|---|---|
| Jackson County | $179,815 | +1.0% | 0.5% |
| Calhoun County | $166,734 | -5.4% | 0.51% |
| Taylor County | $196,856 | +6.1% | 0.65% |
| Gadsden County | $199,661 | -0.3% | 0.53% |
| Liberty County | $201,245 | +4.9% | 0.9% |
| 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% |
| Washington County | $220,578 | +1.0% | 0.46% |
Frequently asked questions
What is the average home price in Holmes County, FL?
The typical home value in Holmes County is $181,325 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Holmes County?
About $49,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Holmes County?
The median effective rate is 0.54% of home value a year (Census ACS 2024 5-year estimates).