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City · 7,865 residents · Alachua County, Florida

Newberry , Florida

In Newberry, a typical home is worth $288,100. Compared with all of Alachua County, typical household income is 45% higher and the share of households that own their home is 39 points higher.

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  • Typical home value

    $288,100

    About the same as the county

    20% below Florida

    • Newberry
    • Alachua
    • Florida

  • Typical household income

    $89,552a year

    45% above the county

    20% above Florida

    • Newberry
    • Alachua
    • Florida

  • Households that own their home

    93%

    39 points above the county

    26 points above Florida

    • Newberry
    • Alachua
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$327,354
2% less than 12 months ago
Typical rent
$2,191 a month
2.5% more than 12 months ago

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

Newberry 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Newberry apart

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

  1. 93% of households in Newberry own their home, against 54% in Alachua County.

  2. The typical household income in Newberry is $89,552, 45% more than in Alachua County as a whole ($61,949).

  3. Nearby, in Lake City, the typical home value is $184,900: 36% less than in Newberry ($288,100).

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

The homes here

Housing in Newberry

What homes there are in Newberry, 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 Newberry, 9 in 10 homes are single-family detached houses; in Alachua County, 5.

Year built

The typical home in Newberry was built in 2006, 18 years after the typical one in Alachua County.

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

$1,814 a month

Alachua County: $1,730 a month

Without a mortgage

$523 a month

Alachua County: $627 a month

Owners with a mortgage

70%

Alachua County: 58%

In Newberry, 70% of owners have a mortgage; their typical cost is $1,814 a month, about the same as in Alachua County.

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

The typical home value in Newberry rose 64% since 2015–2019, more than in Alachua County (55%).

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

MeasureNewberryAlachua CountyFloridaUnited States
Rental vacancy Unreliable estimate8.6%7.6%5.5%
Homeowner vacancy Unreliable estimate1.7%1.4%0.9%
More than one person per room Unreliable estimate2.0%3.3%3.4%
People per household 2.742.282.512.53
Drive alone 68%68%70%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimate3%1%3%
Walk or bike Unreliable estimate5%2%3%
Work from home 14%14%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Newberry are bigger: 2.74 people on average; in Alachua County, 2.28.

To get to work, 68% of workers in Newberry drive alone; in Alachua County, 68%.

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 Newberry?

A typical home is tight for the typical income

We start with a typical home in Newberry, worth $288,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Newberry, which is $89,552 a year. For that payment to be 28% of income, a household would need to earn about $103,127 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Newberry. 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 $10,084 (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

$2,406

at 7.18% · 30 years

Loan amount
$282,881
Total interest
$407,000
Paid off in
November 2056

Includes $4,865 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,090 a month

  • Tight

    $2,090 to $2,687 a month

    Your payment · 32%

  • Hard

    more than $2,687 a month

Compared with the typical household income in Newberry ($89,552 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,406
Principal & interest$1,916
Property tax$243
Home insurance$120
FHA mortgage insurance (MIP)$127

You need at least $10,084 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

Newberry and Alachua County

Newberry 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).

Newberry's own numbers

Typical home value
$288,100
Typical yearly household income
$89,552
Households that own their home
93%
Effective property tax rate
1.01%

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.

Everything about Alachua County

Buying

Buying a home in Newberry

A typical home in Newberry is worth $288,100: about the same as the county and 20% below Florida. With the typical household income in Newberry ($89,552 a year), a typical home costs 3.2 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.

  • Newberry 3.2 years
  • Alachua 4.7 years
  • Florida 4.8 years
  • United States 4.1 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.

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

Newberry 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
  • Newberry $288,100
  • Alachua $288,800
  • Florida $359,000
  • United States $332,700
Typical yearly household income
  • Newberry $89,552
  • Alachua $61,949
  • Florida $74,568
  • United States $80,734
See the full table
Newberry next to Alachua County and Florida
Measure Newberry Alachua County Florida U.S.
Typical home value $288,100 $288,800 $359,000 $332,700
Typical yearly household income $89,552 $61,949 $74,568 $80,734
Households that own their home 93% 54% 68% 65%
Typical yearly property tax $2,896 $2,773 $2,730 $3,119
Effective property tax rate 1.01% 0.96% 0.76% 0.94%

“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 Newberry

For a typical $288,100 home in Newberry, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Newberry's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,406a month

    Least cash to close
    Down payment
    $10,084
    Cash to close
    $18,727
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $127

  • Conventional, 5% down $2,353a month

    Down payment
    $14,405
    Cash to close
    $23,048
    Rate
    7.18%
    Mortgage insurance
    PMI · $137

  • Conventional, 20% down, no PMI $1,924a month

    Down payment
    $57,620
    Cash to close
    $66,263
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,190a month

    Down payment
    $43,215
    Cash to close
    $51,858
    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 Newberry and for Alachua County.

Property tax

Effective rate in Newberry

1.01%of the home’s value each year

$2,896 a year for the typical owner in Newberry.

  • Newberry 1.01%
  • Alachua 0.96%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Alachua County

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

Homes in the high-risk zone
4.8%
4,050
Of those, with NFIP insurance
18%
County Florida U.S.
Homes in the high-risk zone 4.8% 13% 3.5%
Of those, with NFIP insurance 18% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Newberry

The Census Bureau publishes no typical rent for Newberry. Below are the fair market rents for Alachua County.

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.

HUD fair market rent for all of Alachua 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 $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 Newberry

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Newberry is in ZIP code 32669.

For 2 bedrooms it is $1,850: $379 more than the fair market rent for Alachua County ($1,471).

  • 32669 $1,850$2,270

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Newberry 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 Newberry

HUD lists one building with rents for lower incomes in Newberry.

  • Brookside 100 NW 146th Dr, Newberry 32669 176 homes, 124 low-income · 1 bd: 32 · 2 bd: 80 · 3 bd: 40 · 4 bd: 24 · In service since 2003 · For families

See all 37 buildings in Alachua County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Newberry

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Newberry

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Newberry

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

  • University of Florida/Florida Cooperative Extension

    1604 McCarty Drive, McCarty Hall D, Suit, Gainesville · 14 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 7 more
    (352) 392-1761

  • Neighborhood Housing & Development Corporation

    633 NW 8th Ave, Gainesville · 16 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (352) 380-9119

  • Ocala Housing Authority

    1629 NW 4th St, Ocala · 41 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (352) 369-2636

Every agency in Alachua County All counseling agencies in Florida

Help in Spanish near Newberry

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 Newberry

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

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

Cities

Other cities in Alachua County

These cities are also in Alachua County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Alachua County Housing in Florida

Nearby cities

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

Neighboring counties

If Alachua 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 Newberry.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Newberry

Short answers with the numbers for Newberry 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 Newberry?

The typical home value in Newberry is $288,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Alachua County it is $288,800.

What is the FHA loan limit in Newberry?

Newberry 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 Newberry?

The typical homeowner in Newberry pays $2,896 a year, according to the U.S. Census Bureau. That is 1.01% of the home’s value; in Alachua County, the rate is 0.96%.

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

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.

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).