Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$207,098+5.9% YoY · prices are rising fast
Market right nowBalanced, leaning sellersFewer homes for sale than last year, 8% have cut their price
Income needed to buy, per year$44,895About 0.9× the local median income ($48,859): affordable for a typical household
Days on market98 daysFaster than a year ago: sellers have the edge
The typical home in Hamilton County, FL is worth $207,098, up 5.9% from a year ago. That is well above what local incomes have historically supported: fair value is about $166,519, so the area is 24.4% overvalued. It is a balanced market, leaning toward sellers: homes take about 98 days to sell, listings are down 7% from a year ago, 8% of listings have had a price cut. A household needs about $44,895 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 $48,859. In the latest IRS figures, 72 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
$207,098
Change in 1 year
+5.9%
Overvalued %
+24.4%
Show 6 more
Fair home value
$166,519
Change in 5 years
+38.9%
Home value to income
4.2×
Monthly mortgage payment (20% down)
$1,122
Income needed to afford it
$44,895
Property tax rate
0.73%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$953
Market activity
Listings vs a year ago
−7.3%
Days on market
98
Listings with a price cut
7.7%
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Homes for sale
38
Pending sales per 100 listings
21
Asking price per sq ft
$159
People and jobs
Median household income
$48,859
Population change (1 year)
−0.4%
Unemployment rate
6.7%
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Population
14,180
Income adjusted for cost of living
$51,978
Net moves in (IRS)
+72
Cost of living (US = 100)
94.0
Schools, risk and environment
School rating (1 to 10)
2.0
FEMA hazard risk score (0 to 100)
43.0
Unhealthy air days a year
0
Show 4 more
Flood risk score
25.9
Wildfire risk score
69.3
Walkability (1 to 20)
4.8
Road, rail and air noise
55 dB
Questions people ask
Is Hamilton County, FL overvalued?
Home prices in Hamilton County, FL are well above what local incomes have historically supported: fair value is about $166,519, so the area is 24.4% overvalued.
Is Hamilton County, FL a buyer's or seller's market?
Hamilton County, FL is a balanced market, leaning toward sellers: homes take about 98 days to sell, listings are down 7% from a year ago, 8% of listings have had a price cut.
Are home prices going down in Hamilton County, FL?
Home values in Hamilton County, FL are up 5.9% over the last year.
How much do you need to earn to buy a home in Hamilton County, FL?
A household needs about $44,895 a year to afford the typical home in Hamilton County, FL at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $48,859.