Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$262,301+4.9% YoY · prices are rising fast
Market right nowBalanced, leaning buyersMore homes for sale than last year, 21% have cut their price
Income needed to buy, per year$56,861About 1.0× the local median income ($57,560): affordable for a typical household
Days on market95 daysFaster than a year ago: sellers have the edge
The typical home in Lafayette County, FL is worth $262,301, up 4.9% from a year ago. That is well above what local incomes have historically supported: fair value is about $218,067, so the area is 20.3% overvalued. It is a balanced market, leaning toward buyers: homes take about 95 days to sell, listings are up 7% from a year ago, 21% of listings have had a price cut. A household needs about $56,861 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 $57,560. In the latest IRS figures, 177 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
$262,301
Change in 1 year
+4.9%
Overvalued %
+20.3%
Show 6 more
Fair home value
$218,067
Change in 5 years
+31.2%
Home value to income
4.6×
Monthly mortgage payment (20% down)
$1,422
Income needed to afford it
$56,861
Property tax rate
0.55%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,191
Market activity
Listings vs a year ago
+6.7%
Days on market
95
Listings with a price cut
21.1%
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Homes for sale
16
Pending sales per 100 listings
19
Asking price per sq ft
$186
People and jobs
Median household income
$57,560
Population change (1 year)
+0.8%
Unemployment rate
10.9%
Show 4 more
Population
8,792
Income adjusted for cost of living
$61,234
Net moves in (IRS)
+177
Cost of living (US = 100)
94.0
Schools, risk and environment
School rating (1 to 10)
7.5
FEMA hazard risk score (0 to 100)
15.9
Flood risk score
22.0
Show 3 more
Wildfire risk score
59.7
Walkability (1 to 20)
5.2
Road, rail and air noise
54 dB
Questions people ask
Is Lafayette County, FL overvalued?
Home prices in Lafayette County, FL are well above what local incomes have historically supported: fair value is about $218,067, so the area is 20.3% overvalued.
Is Lafayette County, FL a buyer's or seller's market?
Lafayette County, FL is a balanced market, leaning toward buyers: homes take about 95 days to sell, listings are up 7% from a year ago, 21% of listings have had a price cut.
Are home prices going down in Lafayette County, FL?
Home values in Lafayette County, FL are up 4.9% over the last year.
How much do you need to earn to buy a home in Lafayette County, FL?
A household needs about $56,861 a year to afford the typical home in Lafayette County, FL at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $57,560.