Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$181,325−2.5% YoY · prices are falling
Market right nowBuyer's marketMore homes for sale than last year, 35% have cut their price
Income needed to buy, per year$39,307About 0.7× the local median income ($52,901): affordable for a typical household
Days on market77 daysAbout the same pace as a year ago
The typical home in Holmes County, FL is worth $181,325, down 2.5% from a year ago. That is slightly below what local incomes have historically supported: fair value is about $183,618, so the area is 1.2% undervalued. It is a buyer's market: homes take about 77 days to sell, listings are up 21% from a year ago, 35% of listings have had a price cut. A household needs about $39,307 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 $52,901. In the latest IRS figures, 320 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
$181,325
Change in 1 year
−2.5%
Overvalued %
−1.2%
Show 6 more
Fair home value
$183,618
Change in 5 years
+4.7%
Home value to income
3.4×
Monthly mortgage payment (20% down)
$983
Income needed to afford it
$39,307
Property tax rate
0.54%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$971
Market activity
Listings vs a year ago
+20.8%
Days on market
77
Listings with a price cut
35.0%
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Homes for sale
58
Pending sales per 100 listings
19
Asking price per sq ft
$152
People and jobs
Median household income
$52,901
Population change (1 year)
−0.0%
Unemployment rate
4.5%
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Population
20,119
Income adjusted for cost of living
$56,278
Net moves in (IRS)
+320
Cost of living (US = 100)
94.0
Schools, risk and environment
School rating (1 to 10)
5.1
FEMA hazard risk score (0 to 100)
49.4
Unhealthy air days a year
0
Show 4 more
Flood risk score
26.5
Wildfire risk score
32.2
Walkability (1 to 20)
4.4
Road, rail and air noise
54 dB
Questions people ask
Is Holmes County, FL overvalued?
Home prices in Holmes County, FL are slightly below what local incomes have historically supported: fair value is about $183,618, so the area is 1.2% undervalued.
Is Holmes County, FL a buyer's or seller's market?
Holmes County, FL is a buyer's market: homes take about 77 days to sell, listings are up 21% from a year ago, 35% of listings have had a price cut.
Are home prices going down in Holmes County, FL?
Home values in Holmes County, FL are down 2.5% over the last year.
How much do you need to earn to buy a home in Holmes County, FL?
A household needs about $39,307 a year to afford the typical home in Holmes County, FL at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $52,901.