Data through September 2026 · updated 2026-11-08 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$306,253+2.4% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 23% have cut their price
Income needed to buy, per year$66,389About 1.1× the local median income ($58,365): a stretch for a typical household
Days on market85 daysFaster than a year ago: sellers have the edge
Next 12 months−1.2%Zillow expects prices to dip slightly
The typical home in Gilchrist County, FL is worth $306,253, up 2.4% from a year ago. That is well above what local incomes have historically supported: fair value is about $237,785, so the area is 28.8% overvalued. It is a buyer's market: homes take about 85 days to sell, listings are up 2% from a year ago, 23% of listings have had a price cut. Zillow expects prices to fall about 1.2% over the next year. A household needs about $66,389 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 $58,365. In the latest IRS figures, 314 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
$306,253
Change in 1 year
+2.4%
Overvalued %
+28.8%
Show 7 more
Fair home value
$237,785
Change in 5 years
+32.9%
Zillow forecast, next 12 months
−1.2%
Home value to income
5.2×
Monthly mortgage payment (20% down)
$1,660
Income needed to afford it
$66,389
Property tax rate
0.65%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,471
Market activity
Listings vs a year ago
+1.5%
Days on market
85
Listings with a price cut
23.3%
Show 3 more
Homes for sale
67
Pending sales per 100 listings
21
Asking price per sq ft
$217
People and jobs
Median household income
$58,365
Population change (1 year)
+1.8%
Unemployment rate
3.5%
Show 4 more
Population
20,488
Income adjusted for cost of living
$60,357
Net moves in (IRS)
+314
Cost of living (US = 100)
96.7
Schools, risk and environment
School rating (1 to 10)
7.8
FEMA hazard risk score (0 to 100)
28.0
Flood risk score
31.4
Show 3 more
Wildfire risk score
77.2
Walkability (1 to 20)
4.3
Road, rail and air noise
54 dB
Questions people ask
Is Gilchrist County, FL overvalued?
Home prices in Gilchrist County, FL are well above what local incomes have historically supported: fair value is about $237,785, so the area is 28.8% overvalued.
Is Gilchrist County, FL a buyer's or seller's market?
Gilchrist County, FL is a buyer's market: homes take about 85 days to sell, listings are up 2% from a year ago, 23% of listings have had a price cut.
Are home prices going down in Gilchrist County, FL?
Home values in Gilchrist County, FL are up 2.4% over the last year. Zillow's forecast for the next 12 months is −1.2%.
How much do you need to earn to buy a home in Gilchrist County, FL?
A household needs about $66,389 a year to afford the typical home in Gilchrist County, FL at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $58,365.