Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$305,552+4.4% YoY · prices are rising fast
Market right nowBalanced, leaning sellersFewer homes for sale than last year, 6% have cut their price
Income needed to buy, per year$66,237About 1.0× the local median income ($64,680): a stretch for a typical household
Days on market84 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+0.2%Zillow expects prices to stay about flat
The typical home in Jefferson County, FL is worth $305,552, up 4.4% from a year ago. That is well above what local incomes have historically supported: fair value is about $276,259, so the area is 10.6% overvalued. It is a balanced market, leaning toward sellers: homes take about 84 days to sell, listings are down 7% from a year ago, 6% of listings have had a price cut. Zillow expects prices to rise about 0.2% over the next year. A household needs about $66,237 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 $64,680. In the latest IRS figures, 225 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
$305,552
Change in 1 year
+4.4%
Overvalued %
+10.6%
Show 7 more
Fair home value
$276,259
Change in 5 years
+29.0%
Zillow forecast, next 12 months
+0.2%
Home value to income
4.7×
Monthly mortgage payment (20% down)
$1,656
Income needed to afford it
$66,237
Property tax rate
0.62%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,424
Market activity
Listings vs a year ago
−6.8%
Days on market
84
Listings with a price cut
5.5%
Show 3 more
Homes for sale
41
Pending sales per 100 listings
24
Asking price per sq ft
$221
People and jobs
Median household income
$64,680
Population change (1 year)
+0.4%
Unemployment rate
7.4%
Show 4 more
Population
16,007
Income adjusted for cost of living
$68,882
Net moves in (IRS)
+225
Cost of living (US = 100)
93.9
Schools, risk and environment
School rating (1 to 10)
3.0
FEMA hazard risk score (0 to 100)
39.0
Flood risk score
39.4
Show 3 more
Wildfire risk score
71.3
Walkability (1 to 20)
5.2
Road, rail and air noise
54 dB
Questions people ask
Is Jefferson County, FL overvalued?
Home prices in Jefferson County, FL are well above what local incomes have historically supported: fair value is about $276,259, so the area is 10.6% overvalued.
Is Jefferson County, FL a buyer's or seller's market?
Jefferson County, FL is a balanced market, leaning toward sellers: homes take about 84 days to sell, listings are down 7% from a year ago, 6% of listings have had a price cut.
Are home prices going down in Jefferson County, FL?
Home values in Jefferson County, FL are up 4.4% over the last year. Zillow's forecast for the next 12 months is +0.2%.
How much do you need to earn to buy a home in Jefferson County, FL?
A household needs about $66,237 a year to afford the typical home in Jefferson County, FL at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $64,680.