Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$267,6590.0% YoY · prices are flat
Market right nowBalanced, leaning buyersFewer homes for sale than last year, 24% have cut their price
Income needed to buy, per year$58,023About 0.9× the local median income ($62,511): affordable for a typical household
Days on market86 daysFaster than a year ago: sellers have the edge
The typical home in Columbia County, FL is worth $267,659, about the same as a year ago. That is well above what local incomes have historically supported: fair value is about $241,601, so the area is 10.8% overvalued. It is a balanced market, leaning toward buyers: homes take about 86 days to sell, listings are down 6% from a year ago, 24% of listings have had a price cut. A household needs about $58,023 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $62,511. Typical rent is $1,499 a month. In the latest IRS figures, 650 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$267,659
Change in 1 year
0.0%
Overvalued %
+10.8%
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Fair home value
$241,601
Change in 5 years
+26.9%
Home value to income
4.3×
Monthly mortgage payment (20% down)
$1,451
Income needed to afford it
$58,023
Property tax rate
0.74%
Rent and investing
Typical rent
$1,499
Price-to-rent ratio
14.9×
HUD Fair Market Rent, 2 bedrooms
$1,187
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Gross rental yield
6.72%
Cap rate (estimate)
4.37%
Market activity
Listings vs a year ago
−5.6%
Days on market
86
Listings with a price cut
24.0%
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Homes for sale
251
Pending sales per 100 listings
20
Asking price per sq ft
$182
People and jobs
Median household income
$62,511
Population change (1 year)
+0.5%
Unemployment rate
5.3%
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Population
74,094
Income adjusted for cost of living
$66,501
Net moves in (IRS)
+650
Cost of living (US = 100)
94.0
Schools, risk and environment
School rating (1 to 10)
6.6
FEMA hazard risk score (0 to 100)
69.7
Unhealthy air days a year
0
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Flood risk score
68.2
Wildfire risk score
88.1
Walkability (1 to 20)
6.0
Road, rail and air noise
54 dB
Questions people ask
Is Columbia County, FL overvalued?
Home prices in Columbia County, FL are well above what local incomes have historically supported: fair value is about $241,601, so the area is 10.8% overvalued.
Is Columbia County, FL a buyer's or seller's market?
Columbia County, FL is a balanced market, leaning toward buyers: homes take about 86 days to sell, listings are down 6% from a year ago, 24% of listings have had a price cut.
Are home prices going down in Columbia County, FL?
Home values in Columbia County, FL are up 0.0% over the last year.
How much do you need to earn to buy a home in Columbia County, FL?
A household needs about $58,023 a year to afford the typical home in Columbia County, FL at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $62,511.