Florida home prices and mortgage costs
Typical home value $375,361 · -0.9% in a year · property tax 0.8%
Florida ranks 24th most expensive of 51 states and D.C. Home values changed -0.9% over the past year and +18.6% over five years. Buying the typical home with 20% down costs about $2,458 a month at 7.11%, which needs a household income of about $105,400.
Cost of the typical Florida home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $75,072 | $300,289 | $2,020 | $0 | $438 | $2,458 | $105,400 |
| 10% down | $37,536 | $337,825 | $2,273 | $141 | $438 | $2,852 | $122,200 |
| 5% down | $18,768 | $356,593 | $2,399 | $149 | $438 | $2,986 | $128,000 |
| 3.5% down (FHA) | $13,138 | $368,562 | $2,479 | $166 | $438 | $3,084 | $132,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.8% 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.
Check a specific budget: how much house you can afford in Florida by salary · payment on a $400K home in Florida
Home prices by county in Florida
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| Monroe County | $962,885 | +1.9% | 0.53% | $6,088 | $260,900 |
| Walton County | $660,738 | +0.9% | 0.45% | $4,133 | $177,100 |
| Collier County | $552,087 | -1.4% | 0.63% | $3,535 | $151,500 |
| Miami-Dade County | $523,240 | +0.6% | 0.81% | $3,430 | $147,000 |
| Saint Johns County | $492,987 | -0.8% | 0.76% | $3,212 | $137,700 |
| Nassau County | $484,963 | +0.7% | 0.71% | $3,137 | $134,500 |
| Palm Beach County | $475,754 | +2.3% | 0.86% | $3,140 | $134,600 |
| Martin County | $448,233 | +0.7% | 0.77% | $2,923 | $125,300 |
| Broward County | $422,344 | -1.6% | 0.94% | $2,814 | $120,600 |
| Franklin County | $422,234 | -2.5% | 0.63% | $2,706 | $116,000 |
| Manatee County | $408,269 | -2.5% | 0.78% | $2,666 | $114,300 |
| Gulf County | $403,845 | -1.0% | 0.63% | $2,588 | $110,900 |
| Orange County | $400,964 | -0.8% | 0.76% | $2,612 | $112,000 |
| Seminole County | $400,341 | -0.3% | 0.67% | $2,579 | $110,500 |
| Sarasota County | $399,023 | -1.7% | 0.75% | $2,598 | $111,300 |
| Sumter County | $387,784 | -0.5% | 0.78% | $2,534 | $108,600 |
| Hillsborough County | $375,501 | -0.9% | 0.81% | $2,462 | $105,500 |
| Saint Lucie County | $370,781 | -0.9% | 0.93% | $2,469 | $105,800 |
| Pinellas County | $368,917 | +0.2% | 0.7% | $2,384 | $102,200 |
| Indian River County | $363,705 | -0.9% | 0.69% | $2,349 | $100,700 |
| Lake County | $360,055 | -2.0% | 0.76% | $2,347 | $100,600 |
| Osceola County | $359,224 | -2.9% | 0.76% | $2,342 | $100,400 |
| Okaloosa County | $352,929 | +0.9% | 0.57% | $2,244 | $96,200 |
| Santa Rosa County | $350,823 | +1.5% | 0.57% | $2,231 | $95,600 |
| Flagler County | $350,266 | -0.2% | 0.76% | $2,283 | $97,900 |
| Bay County | $343,009 | -0.0% | 0.58% | $2,184 | $93,600 |
| Brevard County | $342,346 | -0.5% | 0.68% | $2,208 | $94,600 |
| Clay County | $335,274 | -0.3% | 0.72% | $2,172 | $93,100 |
| Lee County | $334,485 | -3.5% | 0.79% | $2,187 | $93,700 |
| Pasco County | $328,125 | -1.9% | 0.73% | $2,130 | $91,300 |
| Volusia County | $324,665 | -0.3% | 0.77% | $2,117 | $90,700 |
| Baker County | $314,146 | +3.4% | 0.64% | $2,014 | $86,300 |
| Gilchrist County | $306,253 | +2.4% | 0.65% | $1,968 | $84,300 |
| Hernando County | $306,116 | -1.7% | 0.67% | $1,972 | $84,500 |
| Jefferson County | $305,552 | +4.4% | 0.62% | $1,955 | $83,800 |
| Alachua County | $298,912 | -1.3% | 0.96% | $1,997 | $85,600 |
| Charlotte County | $298,906 | -3.3% | 0.85% | $1,969 | $84,400 |
| Polk County | $295,509 | -2.2% | 0.73% | $1,917 | $82,100 |
| Duval County | $294,079 | -0.3% | 0.75% | $1,912 | $82,000 |
| Leon County | $291,390 | +1.5% | 0.79% | $1,907 | $81,700 |
| Okeechobee County | $289,216 | +0.8% | 0.74% | $1,879 | $80,500 |
| Levy County | $287,334 | -0.7% | 0.63% | $1,841 | $78,900 |
| Wakulla County | $285,880 | +0.9% | 0.64% | $1,833 | $78,600 |
| Escambia County | $280,027 | +1.4% | 0.58% | $1,783 | $76,400 |
| Hendry County | $270,219 | -4.1% | 0.8% | $1,770 | $75,800 |
| Citrus County | $268,688 | -0.8% | 0.58% | $1,711 | $73,300 |
| Marion County | $267,911 | -2.2% | 0.74% | $1,742 | $74,600 |
| Columbia County | $267,659 | -0.0% | 0.74% | $1,738 | $74,500 |
| Suwannee County | $266,652 | +2.5% | 0.71% | $1,725 | $73,900 |
| Lafayette County | $262,301 | +4.9% | 0.55% | $1,663 | $71,300 |
| Glades County | $257,042 | -2.8% | 0.85% | $1,695 | $72,600 |
| Union County | $256,560 | +0.5% | 0.58% | $1,633 | $70,000 |
| Bradford County | $252,646 | +4.0% | 0.55% | $1,601 | $68,600 |
| De Soto County | $250,420 | +0.4% | 0.83% | $1,646 | $70,600 |
| Hardee County | $235,001 | +1.3% | 0.82% | $1,543 | $66,100 |
| Highlands County | $231,284 | -1.4% | 0.72% | $1,499 | $64,200 |
| Washington County | $220,578 | +1.0% | 0.46% | $1,382 | $59,200 |
| Dixie County | $217,764 | +2.5% | 0.62% | $1,393 | $59,700 |
| Putnam County | $216,313 | +0.7% | 0.78% | $1,413 | $60,500 |
| Hamilton County | $207,098 | +5.9% | 0.73% | $1,345 | $57,600 |
| Madison County | $206,128 | -2.4% | 0.83% | $1,355 | $58,100 |
| Liberty County | $201,245 | +4.9% | 0.9% | $1,335 | $57,200 |
| Gadsden County | $199,661 | -0.3% | 0.53% | $1,263 | $54,100 |
| Taylor County | $196,856 | +6.1% | 0.65% | $1,265 | $54,200 |
| Holmes County | $181,325 | -2.5% | 0.54% | $1,149 | $49,200 |
| Jackson County | $179,815 | +1.0% | 0.5% | $1,133 | $48,600 |
| Calhoun County | $166,734 | -5.4% | 0.51% | $1,051 | $45,000 |
Metro areas in Florida
Frequently asked questions
What is the average home price in Florida?
The typical home in Florida is worth $375,361 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in Florida?
About $105,400 a year to buy the typical $375,361 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in Florida?
The typical effective rate is 0.8% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).