Liberty County, Florida home prices
Typical home $201,245 · +4.9% in a year · property tax 0.9%
The typical home in Liberty County is worth $201,245, 46% less than the Florida typical home ($375,361). Values changed +4.9% in the past year and +32.4% over five years. Homeowners here pay a median 0.9% of their home's value in property tax each year ($1,821 on the typical home), versus 0.8% statewide.
Mortgage on the typical Liberty County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $40,249 | $160,996 | $1,083 | $0 | $252 | $1,335 | $57,200 |
| 10% down | $20,125 | $181,121 | $1,218 | $75 | $252 | $1,546 | $66,300 |
| 5% down | $10,062 | $191,183 | $1,286 | $80 | $252 | $1,618 | $69,300 |
| 3.5% down (FHA) | $7,044 | $197,600 | $1,329 | $89 | $252 | $1,671 | $71,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.9% 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 |
|---|---|---|---|
| Gadsden County | $199,661 | -0.3% | 0.53% |
| 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% |
| Washington County | $220,578 | +1.0% | 0.46% |
| Holmes County | $181,325 | -2.5% | 0.54% |
| Jackson County | $179,815 | +1.0% | 0.5% |
| Highlands County | $231,284 | -1.4% | 0.72% |
Frequently asked questions
What is the average home price in Liberty County, FL?
The typical home value in Liberty County is $201,245 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Liberty County?
About $57,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Liberty County?
The median effective rate is 0.9% of home value a year (Census ACS 2024 5-year estimates).