Arcadia, FL home prices
Typical home $250,159 · +0.4% in a year · income needed $70,500
The Arcadia, FL metro area ranks 453 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +0.4% in a year and +22.2% over five years. With 20% down at 7.11%, the typical home costs about $1,645 a month including 0.83% property tax (De Soto County rate).
Mortgage on the typical Arcadia home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,032 | $200,127 | $1,346 | $0 | $298 | $1,645 | $70,500 |
| 10% down | $25,016 | $225,143 | $1,515 | $94 | $298 | $1,907 | $81,700 |
| 5% down | $12,508 | $237,651 | $1,599 | $99 | $298 | $1,996 | $85,500 |
| 3.5% down (FHA) | $8,756 | $245,628 | $1,652 | $111 | $298 | $2,061 | $88,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.83% 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.
Counties in the Arcadia area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| De Soto County, FL | $250,420 | +0.4% | 0.83% |
What can you afford in Florida on your salary? · Florida home prices · Salaries in Florida
Frequently asked questions
How much is a house in Arcadia?
The typical home in the Arcadia, FL metro area is worth $250,159 (Zillow, September 2026).
What salary do you need to buy a house in Arcadia?
About $70,500 a year for the typical home with 20% down at 7.11%.