In Alachua, a typical home is worth $299,200 and typical rent is $1,284 a month. Compared with all of Alachua County, typical household income is 35% higher and the share of households that own their home is 21 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $280,155 to $322,431.
Typical rent
$1,949a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Alachua is in Alachua County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Alachua County. See the county
What this place has that others do not, from public data, most unusual first.
1
Alachua has the 8th smallest share of rent-burdened renters of the 434 cities in Florida with more than 5,000 people (37%).
2
75% of households in Alachua own their home, against 54% in Alachua County.
3
Nearby, in Lake City, the typical home value is $184,900: 38% less than in Alachua ($299,200).
4
Nearby, in Starke, the typical rent is $840: 35% less than in Alachua ($1,284).
5
The typical household income in Alachua is $83,464,35% more than in Alachua County as a whole ($61,949).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Alachua
What homes there are in Alachua, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Alachua
Alachua County
Florida
United States
Kind of home: Alachua and its comparisons
Measure
Alachua
Alachua County
Florida
United States
Detached house
81%
50%
55%
61%
Attached house
Unreliable estimate
5%
7%
6%
Building of 2 to 4
Unreliable estimate
9%
6%
8%
Apartments (5 or more)
Unreliable estimate
29%
25%
19%
Mobile home
Unreliable estimate
6%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Alachua, 8 in 10 homes are single-family detached houses; in Alachua County, 5.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Alachua
Alachua County
Florida
United States
Year built: Alachua and its comparisons
Measure
Alachua
Alachua County
Florida
United States
Before 1960
Unreliable estimate
10%
10%
26%
1960–1979
18%
25%
24%
24%
1980–1999
34%
35%
34%
25%
2000–2009
28%
17%
18%
14%
2010 or later
16%
13%
14%
11%
Homes in Alachua are newer: the typical year built is 1996; in Alachua County, 1988.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K11%
$200K–$300K34%
$300K–$500K38%
$500K–$750K6%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Alachua and its comparisons
Measure
Alachua
Under $100K
Unreliable estimate
$100K–$200K
11%
$200K–$300K
34%
$300K–$500K
38%
$500K–$750K
6%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99926%
$1,000–$1,49952%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Alachua and its comparisons
Measure
Alachua
Under $500
Unreliable estimate
$500–$999
26%
$1,000–$1,499
52%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,567 a month
Alachua County: $1,730 a month
Without a mortgage
$547 a month
Alachua County: $627 a month
Owners with a mortgage
74%
Alachua County: 58%
The typical cost for an owner with a mortgage in Alachua is $1,567 a month, less than in Alachua County ($1,730); without one, $547.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Alachua+67%
Alachua County+55%
Florida+67%
United States+53%
Typical rent
Alachua+21%
Alachua County+36%
Florida+42%
United States+33%
Typical household income
Alachua+32%
Alachua County+25%
Florida+34%
United States+29%
Change since 2015–2019: Alachua and its comparisons
Measure
Alachua
Alachua County
Florida
United States
Typical home value
+67%
+55%
+67%
+53%
Typical rent
+21%
+36%
+42%
+33%
Typical household income
+32%
+25%
+34%
+29%
Since 2015–2019, homes in Alachua gained value faster than in Alachua County: 67% against 55%.
Since 2015–2019, the typical rent in Alachua rose 21%, less than in Alachua County (36%).
The typical household income in Alachua rose 32% over that time; home values changed +67% and rent +21%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Alachua and its comparisons
Measure
Alachua
Alachua County
Florida
United States
Rental vacancy
Unreliable estimate
8.6%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
1.7%
1.4%
0.9%
More than one person per room
Unreliable estimate
2.0%
3.3%
3.4%
People per household
2.36
2.28
2.51
2.53
Drive alone
69%
68%
70%
69%
Carpool
8%
9%
9%
9%
Public transit
Unreliable estimate
3%
1%
3%
Walk or bike
Unreliable estimate
5%
2%
3%
Work from home
21%
14%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Alachua County, a household in Alachua has 2.36 people on average.
Many people here do not commute at all: 21% work from home; in Alachua County, 14%.
Do the math
What would you pay each month for a home in Alachua?
A typical home is tight for the typical income
We start with a typical home in Alachua, worth $299,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Alachua, which is $83,464 a year. For that payment to be 28% of income, a household would need to earn about $106,459 a year.
The calculator's FHA and conventional loan limits are those of all of Alachua County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Alachua. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $10,472 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,484
at 7.18% · 30 years
Loan amount
$293,781
Total interest
$422,682
Paid off in
November 2056
Includes $5,053 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,947 a month
Tight
$1,947 to $2,504 a month
Your payment · 36%
Hard
more than $2,504 a month
Compared with the typical household income in Alachua ($83,464 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,990
Property tax
$237
Home insurance
$125
FHA mortgage insurance (MIP)
$132
You need at least $10,472 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $2,484; principal and interest $1,990.
The city and its county
Alachua and Alachua County
Alachua is in Alachua County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Alachua
Map of Alachua County, Florida, with Alachua marked. Around it, the neighboring counties.
Alachua
Alachua County
Other cities with a page
Alachua's own numbers
Typical home value
$299,200
Typical monthly rent
$1,284
Typical yearly household income
$83,464
Households that own their home
75%
Effective property tax rate
0.95%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Alachua County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,471
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
4.8%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Alachua County.
A typical home in Alachua is worth $299,200: 4% above the county and 17% below Florida. With the typical household income in Alachua ($83,464 a year), a typical home costs 3.6 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Alachua3.6 years
County4.7 years
Florida4.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Alachua County
According to FHFA’s house price index, home prices in Alachua County rose 112% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Alachua County.
Yearly change in FHFA’s price index in Alachua County, 2016 to 2025
2016: +5.6% +5.6% 2016
2017: +7.2% +7.2% 2017
2018: +8.2% +8.2% 2018
2019: +5.6% +5.6% 2019
2020: +5.4% +5.4% 2020
2021: +12.6% +12.6% 2021
2022: +18.0% +18.0% 2022
2023: +10.0% +10.0% 2023
2024: +3.5% +3.5% 2024
2025: +2.6% +2.6% 2025
Change in FHFA’s price index in Alachua County, Florida and the United States
Period
County
Florida
U.S.
Last year (2025)
+2.6%
−0.5%
+2.9%
5 years (2020–2025)
+55%
+60%
+47%
10 years (2015–2025)
+112%
+127%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Alachua next to Alachua County, Florida and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Alachua$299,200
County$288,800
Florida$359,000
United States$332,700
Typical monthly rent
Alachua$1,284
County$1,339
Florida$1,669
United States$1,413
Typical yearly household income
Alachua$83,464
County$61,949
Florida$74,568
United States$80,734
See the full table
Alachua next to Alachua County and Florida
Measure
Alachua
Alachua County
Florida
U.S.
Typical home value
$299,200 ▲4% above the county
$288,800
$359,000
$332,700
Typical monthly rent
$1,284 ▼4% below the county
$1,339
$1,669
$1,413
Typical yearly household income
$83,464 ▲35% above the county
$61,949
$74,568
$80,734
Households that own their home
75% ▲21 points above the county
54%
68%
65%
Typical yearly property tax
$2,834 ▲2% above the county
$2,773
$2,730
$3,119
Effective property tax rate
0.95% ▼0.01 points below the county
0.96%
0.76%
0.94%
Renters with high rent for their income
37% ▼26 points below the county
63%
60%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Alachua County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Alachua
For a typical $299,200 home in Alachua, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Alachua's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,484a month
Least cash to close
Down payment
$10,472
Cash to close
$19,448
Rate
7.18%
Mortgage insurance
FHA MIP · $132
Conventional, 5% down$2,429a month
Down payment
$14,960
Cash to close
$23,936
Rate
7.18%
Mortgage insurance
PMI · $142
Conventional, 20% down, no PMI$1,983a month
Down payment
$59,840
Cash to close
$68,816
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,260a month
Down payment
$44,880
Cash to close
$53,856
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Alachua
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,484
$10,472
$293,781
7.18%
FHA MIP · $132
$19,448
580
Conventional, 5% down
$2,429
$14,960
$284,240
7.18%
PMI · $142
$23,936
620*
Conventional, 20% down, no PMI
$1,983
$59,840
$239,360
7.18%
None
$68,816
620*
ITIN, 15% down (example)
$2,260
$44,880
$254,320
8.18%
None
$53,856
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Alachua is $1,284 a month: 4% below the county. In Alachua, 37% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Alachua County, by unit size. To pay the 2-bedroom one ($1,471 a month) without spending more than 30% of your income, you would need to earn $28.29 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Alachua County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,197
$23.02
$47,880
1 bedroom
$1,241
$23.87
$49,640
2 bedrooms
$1,471
$28.29
$58,840
3 bedrooms
$1,806
$34.73
$72,240
4 bedrooms
$1,933
$37.17
$77,320
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Alachua
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Alachua has 2 ZIP codes with their own.
For 2 bedrooms it is $1,400 in all of them.
None is above the fair market rent for Alachua County ($1,471).
Fair market rent by ZIP code and size in Alachua, fiscal year 2027.
32615
$1,140
$1,180
$1,400
$1,720
$1,840
32616
$1,140
$1,180
$1,400
$1,720
$1,840
ZIP code2 bd3 bd
32615 $1,400$1,720
32616 $1,400$1,720
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Alachua when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 2 HUD-approved agencies with an office in Alachua County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Alachua or Alachua County. The ones below are statewide in Florida: they work in Alachua the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
No legal help resource on our list is for Alachua or Alachua County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Alachua and all of Alachua County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Alachua?
The typical home value in Alachua is $299,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Alachua County it is $288,800.
How much does it cost to rent in Alachua?
Typical rent in Alachua is $1,284 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Alachua County is $1,471.
What is the FHA loan limit in Alachua?
Alachua uses the FHA limit for all of Alachua County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Alachua?
The typical homeowner in Alachua pays $2,834 a year, according to the U.S. Census Bureau. That is 0.95% of the home’s value; in Alachua County, the rate is 0.96%.
Where can I find free help to buy or rent in Alachua?
There are 2 HUD-approved counseling agencies with an office in Alachua County. They can help you get ready to buy, with your credit, or with rent.
