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State

Data from November 2026

Housing , home prices, rents and assistance in Florida (2026)

In Florida, a typical home is worth $359,000 and the typical rent is $1,669 a month. The FHA limit for a one-unit home runs from $541,287 to $990,150 depending on the county. 98 HUD-approved counseling agencies serve Florida; 57 say they serve you in Spanish.

Most populous:

Typical home value by county

  • Under $171,000
  • $171,000–$245,500
  • $245,500–$313,000
  • $313,000–$382,800
  • $382,800 or more

Tap the map to see each county’s figure and open its page.

Typical home value
$359,000
8% more than the U.S.
U.S.: $332,700
Typical rent per month
$1,669
18% more than the U.S.
U.S.: $1,413
Typical household income
$74,568
8% less than the U.S.
U.S.: $80,734
FHA limit, 1 unit
$541,287 to $990,150
It changes by county. The highest: Monroe County.
U.S.: $541,287 to $1,299,500
Property tax
0.76%
of value a year
The typical bill is $2,730 a year.
U.S.: 0.94%

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD)

In short

Living in Florida

A typical home in Florida is worth $359,000, very close to the national figure. Prices change a lot by county: from $110,200 in Holmes County to $780,600 in Monroe County. The typical household earns $74,568 a year and the typical rent is $1,669 a month; 60% of renter households spend 30% or more of their income on housing. 68% of households own their home, and the typical property tax is $2,730 a year (about 0.76% of value).

The conforming loan limit for a one-unit home runs from $832,750 to $990,150 depending on the county. To pay HUD’s fair rent for a 2-bedroom apartment in Florida ($1,962) without spending more than 30% of income, you need about $37.73 an hour working full time.

Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

The essentials in Florida

More on property tax

  • Homestead exemption

    If the home is your permanent residence (or a dependent's), the exemption can lower its taxable value by up to $50,000 and also triggers the Save Our Homes cap on yearly assessment increases. You apply to your county property appraiser.

    Florida Department of Revenue · Verified October 15, 2026

  • Deadline: residence on January 1, application by March 1

    You must live in the home as a permanent Florida resident on January 1 and file the application (Form DR-501) with your county property appraiser by March 1.

    Florida Department of Revenue (Form DR-501) · Verified October 15, 2026

  • Social Security number on the application

    The homestead application asks for each applicant's Social Security number and says it is mandatory by law. It also asks non-citizens for their immigration number or resident alien card number, per the same form. If you have no Social Security number, ask your county property appraiser before you file.

    Florida Department of Revenue (Form DR-501) · Verified October 15, 2026

  • Documentary stamp tax on the deed and the mortgage

    Florida charges 70 cents per $100 of the price when the deed is recorded (60 cents in Miami-Dade County) and 35 cents per $100 of the loan on the mortgage. The law holds every party liable, whatever the contract says about who pays.

    Florida Department of Revenue · Verified October 15, 2026

  • Nonrecurring intangible tax on the mortgage

    Florida charges a one-time 2 mills (0.2%) on the mortgage amount when it is recorded. The law makes the lender the taxpayer; ask whether it is passed on to you in the Loan Estimate.

    Florida Department of Revenue · Verified October 16, 2026

The homes here

Housing in Florida

What homes there are in Florida, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Florida, 5 in 10 homes are single-family detached houses; in the U.S., 6.

Year built

Homes in Florida are newer: the typical year built is 1988; in the U.S., 1980.

There are fewer big homes in Florida than in the U.S.: 56% have 3 bedrooms or more, against 61%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The largest group of owner-occupied homes in Florida is worth between $300K and $500K: 35%.

Monthly rent with utilities

The largest group of rented homes in Florida pays between $1,500 and $1,999 a month: 29%.

With a mortgage

$1,959 a month

United States: $1,963 a month

Without a mortgage

$673 a month

United States: $638 a month

Owners with a mortgage

56%

United States: 61%

In Florida, 56% of owners have a mortgage; their typical cost is $1,959 a month, about the same as in the U.S..

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Florida gained value faster than in the U.S.: 67% against 53%.

Since 2015–2019, the typical rent in Florida rose 42%, more than in the U.S. (33%).

Here income did not keep up with housing: it rose 34%, while home values changed +67% and rent +42%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureFloridaUnited States
Rental vacancy 7.6%5.5%
Homeowner vacancy 1.4%0.9%
More than one person per room 3.3%3.4%
People per household 2.512.53
Drive alone 70%69%
Carpool 9%9%
Public transit 1%3%
Walk or bike 2%3%
Work from home 16%15%
Other means 2%2%
Typical commute 20 to 29 minutes20 to 29 minutes

There is more rental housing open in Florida: 7.6% is empty and offered for rent, against 5.5% in the U.S..

In Florida, 3.3% of households live with more than one person per room, about the same as in the U.S..

By size, households in Florida look like those in the U.S.: 2.51 people on average.

In Florida, 70% of workers drive alone to work; in the U.S., 69%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Places

Explore the counties in Florida

Sort by any column or type a name. The 25 most populous are shown; the button reveals the rest.

See the counties page

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

Calculator

Work out your payment in Florida

Start from the typical home value in Florida, $359,000, and this week’s average rate. Move the price and the down payment to see your monthly payment. If you already visited a county, the calculator uses its numbers.

More math for Florida

$
%

Estimated monthly payment

$2,924

FHA loan over 30 years, with estimated taxes and insurance.

See the full calculation

Prices and risks

Three official measures that help you decide: how much home prices have changed according to FHFA, how prices compare with the national average according to BEA, and how many homes sit in a flood zone according to FEMA.

Home prices

How have home prices changed?

According to the FHFA House Price Index, home prices in Florida rose 127% in the 10 years through 2025.

Price change each year

Period Florida United States
In 2025 −0.5% +2.9%
5 years (2020–2025) +60% +47%
10 years (2015–2025) +127% +85%

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual state indexes experimental.

Source: FHFA House Price Index (HPI) Data from 2025 data FHFA House Price Index (HPI)

Cost of living

How expensive are prices here?

According to the Bureau of Economic Analysis (BEA), in 2024 prices in Florida were 3% higher than the U.S. average. Housing rents were 21% higher than nationwide.

Category Florida United States Versus the U.S.
All prices Consumer goods and services 103.4 100.0 3% more
Housing rents What renters pay 122.1 100.6 21% more
Water, power and gas Water, sewer, electricity and gas 90.1 98.4 8% less
Goods Food, clothing, transportation and more 98.1 99.6 2% less
Other services Services other than rent 101.3 100.1 1% more

BEA expresses each index as a percentage of the average U.S. price level: a higher number means higher prices, and a lower one, lower prices.

Source: Regional price parities (BEA) Data from 2024 data Regional price parities (BEA)

Flooding

Is there a flood risk?

According to FEMA, in Florida 13% of homes (1,007,351) are in a high-risk flood zone. Of those homes, 67% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. 44 CFR 59.1
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. 42 U.S.C. 4012a
  • Most homeowners insurance does not cover flood damage. FEMA, FloodSmart
Florida United States
Homes in a high-risk zone 13% 3.5%
Of those, with NFIP insurance 67% 48%
All homes with NFIP insurance 14% 2.9%

The NFIP is the federal flood insurance program; private policies are not counted. FEMA counts homes with its National Structure Inventory. We add up the county figures FEMA publishes.

Look up your address on FEMA’s map Source: Homes with flood insurance (NFIP, FEMA) As of August 3, 2026 Homes with flood insurance (NFIP, FEMA)

Places

Cities in Florida

The 16 most populous cities with a page. Each one compares its prices and rents with its county.

See the other cities (466)

    Help to buy

    Assistance programs in Florida

    Our list has 5 official programs that help you buy in Florida. Each card says what kind of help it gives and when we checked its official page.

    See all 5 programs
    1. Florida Assist (FL Assist)

      Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance. Offered by Florida Housing Finance Corporation.

      Deferred Verified November 5, 2026

    2. Florida Homeownership Loan Program (FL HLP) Second Mortgage

      Florida Housing second loan for the down payment, with monthly payments over 30 years. Offered by Florida Housing Finance Corporation.

      Repayable Verified November 5, 2026

    3. HFA Preferred and HFA Advantage PLUS Second Mortgage

      Florida Housing forgivable second loan, only with its conventional mortgages. Offered by Florida Housing Finance Corporation.

      Forgivable Verified November 5, 2026

    Tenant rights

    Tenant rights in Florida

    Florida law answers 4 of these 5 questions, each answer with its citation. Where it says “Data not available”, we have not verified it against the source yet.

    A summary of state law, not legal advice. Cities may have additional rules.

    See every right

    1. How much can they charge for a deposit?

      Florida law sets no maximum for the security deposit. Section 83.49 says how the landlord must hold the money, what you must be told and how it is returned, but caps no amount.

      Fla. Stat. §83.49(1) (2026)

    2. When must they return my deposit?

      If the landlord does not plan to make a claim, the security deposit must be returned within 15 days after the rental agreement ends. If the landlord wants to make a claim, the landlord must send written notice of that intention within 30 days after the agreement ends.

      Fla. Stat. §83.49(3)(a)

    3. If I fall behind on rent, what notice must I get?

      If you do not pay rent when due, the landlord can give you a written demand to pay or give up the home within 3 days. The 3 days do not count Saturdays, Sundays or legal holidays.

      Fla. Stat. §83.56(3)

    4. How much notice ends a month-to-month rental?

      In a month-to-month tenancy, you or the landlord must give written notice at least 30 days before the end of a monthly period to end it.

      Fla. Stat. §83.57(3)

    5. Are there limits on late fees?

      Data not available

    The simple kitchen of an apartment, with an electric stove, a refrigerator and wood cabinets.

    Help and advice

    Who can help you in Florida?

    You do not have to do this alone. A HUD-approved housing counselor gives independent advice on buying, renting, late payments and credit, often free or at low cost.

    98 HUD-approved counseling agencies serve Florida; 57 say they serve you in Spanish. Choose your county to see the closest ones with their phone number.

    97 public housing authorities run Section 8 vouchers and public housing in Florida.

    See all 98 agencies See the housing agencies

    Who runs the help in Florida

    • Florida Housing Finance Corporation

      The Florida Housing Finance Corporation (Florida Housing) was created by the state Legislature to help provide a range of affordable housing opportunities for Florida residents. Its homeownership programs include homebuyer loan programs, down payment assistance (DPA) programs and the Homeownership Pool Program (HOP).

      The agency's official page · Verified October 17, 2026

    Where to file a complaint in Florida

    • Where to file a housing discrimination complaint

      If you were harmed by an unlawful housing practice, you can file a complaint with the Florida Commission on Human Relations. The complaint must be filed within 1 year of the date of the last alleged act of discrimination.

      Florida Commission on Human Relations (FCHR) · Verified October 16, 2026

    • Help with homeowners insurance complaints or questions

      The Division of Consumer Services can help with insurance concerns involving companies that issue policies in Florida, including property and casualty, health and life insurance. It can also help you understand your policy.

      Florida Department of Financial Services, Division of Consumer Services · Verified October 16, 2026

    Guides

    Guides for you in Florida

    We picked them with the numbers of Florida. Each one says why it can help you.

    Frequently asked questions about housing in Florida

    What is the FHA limit in Florida in 2026?

    In Florida, the FHA limit for a one-unit home runs from $541,287 to $990,150. The highest is in Monroe County.

    How much does a typical home cost in Florida?

    The typical home value in Florida is $359,000 (Average 2020–2024, U.S. Census). The highest is in Monroe County ($780,600) and the lowest in Holmes County ($110,200).

    How much does it cost to rent in Florida?

    The typical rent in Florida is $1,669 a month (Average 2020–2024, U.S. Census).

    How much do you need to earn to rent a 2-bedroom apartment in Florida?

    At HUD's average fair market rent in Florida ($1,962, Fiscal year 2027), about $37.73 an hour working full time, so rent stays under 30% of income.

    How much is property tax in Florida?

    The typical property tax in Florida is $2,730 a year, about 0.76% of home value (Average 2020–2024, U.S. Census).

    Where can I find free help in Spanish to buy a home in Florida?

    There are 98 HUD-approved counseling agencies in Florida; 57 say they serve you in Spanish. Each county page lists the closest ones with their phone number.

    Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); Regional price parities (2024 data); Census Bureau cartographic boundary files (2024 data).