Indian River County, Florida home prices
Typical home $363,705 · -0.9% in a year · property tax 0.69%
The typical home in Indian River County is worth $363,705, 3% less than the Florida typical home ($375,361). Values changed -0.9% in the past year and +16.3% over five years. Homeowners here pay a median 0.69% of their home's value in property tax each year ($2,521 on the typical home), versus 0.8% statewide.
Mortgage on the typical Indian River County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $72,741 | $290,964 | $1,957 | $0 | $392 | $2,349 | $100,700 |
| 10% down | $36,370 | $327,334 | $2,202 | $136 | $392 | $2,730 | $117,000 |
| 5% down | $18,185 | $345,519 | $2,324 | $144 | $392 | $2,860 | $122,600 |
| 3.5% down (FHA) | $12,730 | $357,117 | $2,402 | $161 | $392 | $2,955 | $126,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.69% 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 Sebastian metro area.
Florida counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lake County | $360,055 | -2.0% | 0.76% |
| Osceola County | $359,224 | -2.9% | 0.76% |
| Pinellas County | $368,917 | +0.2% | 0.7% |
| Saint Lucie County | $370,781 | -0.9% | 0.93% |
| Okaloosa County | $352,929 | +0.9% | 0.57% |
| Hillsborough County | $375,501 | -0.9% | 0.81% |
| Santa Rosa County | $350,823 | +1.5% | 0.57% |
| Flagler County | $350,266 | -0.2% | 0.76% |
| Bay County | $343,009 | -0.0% | 0.58% |
| Brevard County | $342,346 | -0.5% | 0.68% |
Frequently asked questions
What is the average home price in Indian River County, FL?
The typical home value in Indian River County is $363,705 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Indian River County?
About $100,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Indian River County?
The median effective rate is 0.69% of home value a year (Census ACS 2024 5-year estimates).