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City · 7,150 residents · Jackson County, Florida

Marianna , Florida

In Marianna, a typical home is worth $98,700 and typical rent is $861 a month. Compared with all of Jackson County, the typical home value is 18% lower, typical household income is 18% lower, and the share of households that own their home is 19 points lower.

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  • Typical home value

    $98,700

    18% below the county

    73% below Florida

    • Marianna
    • Jackson
    • Florida

  • Typical rent

    $861a month

    About the same as the county

    48% below Florida

    • Marianna
    • Jackson
    • Florida

  • Typical household income

    $40,414a year

    18% below the county

    46% below Florida

    • Marianna
    • Jackson
    • Florida

  • Households that own their home

    56%

    19 points below the county

    11 points below Florida

    • Marianna
    • Jackson
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$196,438
1.7% more than 12 months ago
Typical rent
$1,295 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Marianna is in Jackson 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 Jackson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Marianna apart

What this place has that others do not, from public data, most unusual first.

  1. Marianna has the 4th lowest typical home value of the 480 cities in Florida with more than 5,000 people ($98,700).

  2. Marianna has the 4th lowest typical rent of the 471 cities in Florida with more than 5,000 people ($861).

  3. Marianna has the 11th lowest typical household income of the 480 cities in Florida with more than 5,000 people ($40,414).

  4. 56% of households in Marianna own their home, against 76% in Jackson County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Marianna

What homes there are in Marianna, 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 Marianna, 8 in 10 homes are single-family detached houses; in Jackson County, 7.

Year built

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
Monthly rent with utilities

With a mortgage

$877 a month

Jackson County: $1,164 a month

Without a mortgage

$410 a month

Jackson County: $374 a month

Owners with a mortgage

62%

Jackson County: 42%

In Marianna, 62% of owners have a mortgage, and their typical cost is $877 a month, against $1,164 in Jackson County. Without one it drops to $410.

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, home values in Marianna moved so little that the Census cannot say whether they rose or fell.

The typical rent in Marianna rose 42% over the same time; in Jackson County, it rose 32%.

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

MeasureMariannaJackson CountyFloridaUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.4%0.9%
More than one person per room Unreliable estimate1.6%3.3%3.4%
People per household 2.022.382.512.53
Drive alone 87%84%70%69%
Carpool Unreliable estimate7%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate7%16%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Marianna are smaller: 2.02 people on average; in Jackson County, 2.38.

In Marianna, 87% of workers drive alone to work; in Jackson County, 84%.

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

Do the math

What would you pay each month for a home in Marianna?

A typical home is within reach of the typical income

We start with a typical home in Marianna, worth $98,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Marianna, which is $40,414 a year.

The calculator's FHA and conventional loan limits are those of all of Jackson County.

Your numbers

Local data
$

Starts at the typical home value in Marianna. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $3,455 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$781

at 7.18% · 30 years

Loan amount
$96,912
Total interest
$139,433
Paid off in
November 2056

Includes $1,667 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $943 a month

    Your payment · 23%

  • Tight

    $943 to $1,212 a month

  • Hard

    more than $1,212 a month

Compared with the typical household income in Marianna ($40,414 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$781
Principal & interest$657
Property tax$40
Home insurance$41
FHA mortgage insurance (MIP)$44

You need at least $3,455 for the down payment, plus closing costs.

Next step

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.

The city and its county

Marianna and Jackson County

Marianna is in Jackson 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).

Marianna's own numbers

Typical home value
$98,700
Typical monthly rent
$861
Typical yearly household income
$40,414
Households that own their home
56%
Effective property tax rate
0.48%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Jackson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$962
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
2.4%

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 Jackson County.

Everything about Jackson County

Buying

Buying a home in Marianna

A typical home in Marianna is worth $98,700: 18% below the county and 73% below Florida. With the typical household income in Marianna ($40,414 a year), a typical home costs 2.4 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.

  • Marianna 2.4 years
  • Jackson 2.5 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Jackson County

According to FHFA’s house price index, home prices in Jackson County rose 90% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Jackson County.

Period County Florida U.S.
Last year (2025) +0.2% −0.5% +2.9%
5 years (2020–2025) +48% +60% +47%
10 years (2015–2025) +90% +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

Marianna next to Jackson 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
  • Marianna $98,700
  • Jackson $120,800
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Marianna $861
  • Jackson $865
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Marianna $40,414
  • Jackson $49,149
  • Florida $74,568
  • United States $80,734
See the full table
Marianna next to Jackson County and Florida
Measure Marianna Jackson County Florida U.S.
Typical home value $98,700 $120,800 $359,000 $332,700
Typical monthly rent $861 $865 $1,669 $1,413
Typical yearly household income $40,414 $49,149 $74,568 $80,734
Households that own their home 56% 76% 68% 65%
Typical yearly property tax $475 $609 $2,730 $3,119
Effective property tax rate 0.48% 0.5% 0.76% 0.94%
Renters with high rent for their income 49% 53% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Jackson 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 Marianna

For a typical $98,700 home in Marianna, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Marianna's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $781a month

    Least cash to close
    Down payment
    $3,455
    Cash to close
    $6,416
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $44

  • Conventional, 5% down $763a month

    Down payment
    $4,935
    Cash to close
    $7,896
    Rate
    7.18%
    Mortgage insurance
    PMI · $47

  • Conventional, 20% down, no PMI $616a month

    Down payment
    $19,740
    Cash to close
    $22,701
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $707a month

    Down payment
    $14,805
    Cash to close
    $17,766
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Marianna and for Jackson County.

Property tax

Effective rate in Marianna

0.48%of the home’s value each year

$475 a year for the typical owner in Marianna.

  • Marianna 0.48%
  • Jackson 0.5%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Jackson County

FEMA does not publish these numbers by city: they are for all of Jackson County.

Homes in the high-risk zone
2.4%
451
Of those, with NFIP insurance
14%
County Florida U.S.
Homes in the high-risk zone 2.4% 13% 3.5%
Of those, with NFIP insurance 14% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Marianna

Typical rent in Marianna is $861 a month: about the same as the county. In Marianna, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Jackson County, by unit size. To pay the 2-bedroom one ($962 a month) without spending more than 30% of your income, you would need to earn $18.50 an hour working full time.

HUD fair market rent for all of Jackson County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $724 $13.92 $28,960
1 bedroom $733 $14.10 $29,320
2 bedrooms $962 $18.50 $38,480
3 bedrooms $1,264 $24.31 $50,560
4 bedrooms $1,273 $24.48 $50,920

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 Marianna

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Marianna has 2 ZIP codes with their own.

For 2 bedrooms it runs from $970 in 32448 to $1,050 in 32446.

2 of the 2 are above the fair market rent for Jackson County ($962).

  • 32446 $1,050$1,370
  • 32448 $970$1,270

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Marianna 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Marianna

HUD lists 11 buildings with rents for lower incomes in Marianna. These are the largest.

  • Three Rivers 3070 Carters Mill Rd, Marianna 32446 100 low-income homes · 2 bd: 36 · 3 bd: 64 · In service since 2015 · For families (850) 482-5358
  • Cottondale Village 4052 Old Cottondale Rd, Marianna 32448 82 low-income homes · 1 bd: 20 · 2 bd: 44 · 3 bd: 18 · In service since 2011 · For families
  • Pebble Hill Estates 2817 Brightwell Ave, Marianna 32448 80 low-income homes · 2 bd: 40 · 3 bd: 40 · In service since 2008 · For families
  • Railroad/Orange Hill Par 2914 Albert St, Marianna 32448 80 low-income homes · Run by Housing Authority of the City of Marianna · Average payment: $417 a month · Average wait: 8 months (850) 482-3512
  • Holly Hill 4414 Holly Hill Dr, Marianna 32448 53 homes, 52 low-income · 1 bd: 12 · 2 bd: 25 · 3 bd: 16 · In service since 2003 · For families

See all 17 buildings in Jackson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Marianna

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.

We found no HUD-approved agencies with an office in Jackson County. The nearest ones are below; many serve by phone or online.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Marianna

No down payment, repair or rent-help program on our list is for Marianna or Jackson County. The ones below are statewide in Florida: they work in Marianna the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Marianna

The HUD-approved agencies closest to the center of Marianna, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • University of Florida/Florida Cooperative Extension - Washington County Cooperative Extension Service

    1424 Jackson Ave, Chipley · 19 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 7 more
    (850) 638-6265

  • University of Florida/Florida Cooperative Extension - Holmes County Cooperative Extension Service

    1169 E Highway 90, Bonifay · 26 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 7 more
    (850) 547-1108

  • City of Panama City Community Development Corporation

    501 Harrison Ave, Panama City · 51 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (850) 872-7231

All counseling agencies in Florida

Help in Spanish near Marianna

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Marianna

HUD’s record names them for Marianna or Jackson County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the City of Marianna Public housing and Section 8 vouchers (850) 482-3512

One other authority has an office in Jackson County: see the list Source: HUD

Cities

Nearby cities

The cities closest to Marianna, with the typical home value.

Everything about Jackson County Housing in Florida

Neighboring counties

If Jackson County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Marianna.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Marianna

Short answers with the numbers for Marianna and all of Jackson 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 Marianna?

The typical home value in Marianna is $98,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jackson County it is $120,800.

How much does it cost to rent in Marianna?

Typical rent in Marianna is $861 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jackson County is $962.

What is the FHA loan limit in Marianna?

Marianna uses the FHA limit for all of Jackson 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 Marianna?

The typical homeowner in Marianna pays $475 a year, according to the U.S. Census Bureau. That is 0.48% of the home’s value; in Jackson County, the rate is 0.5%.

Where can I find free help to buy or rent in Marianna?

We found no HUD-approved counseling agencies with an office in Jackson County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).