What is the Momentum Buyer Score?

The Momentum Buyer Score is a 0-100 rating of how good a value a Florida county or ZIP code is for home buyers. It combines home values, price trends, rents and cap rate, over- or under-valuation, property taxes, insurance, and migration. Higher scores mean stronger value for buyers. Momentum publishes it free for all 67 Florida counties and 887 ZIP codes.

Is it a good time to buy a home in Florida?

It depends on the local market. Across much of Florida in 2026, home values are roughly flat to slightly down year over year and active inventory has risen, giving buyers more negotiating leverage than in 2021-2022. Momentum publishes county- and ZIP-level data, including a 0-100 buyer-value score, so you can check any specific market before buying.

How much are property taxes and home insurance in Florida?

Both vary widely by county. Florida has no state income tax, but property-tax millage and especially homeowners and flood insurance differ dramatically by location and flood zone. Momentum tracks property tax and insurance by county and ZIP, including 2026 insurance-crisis data, at movewithmomentum.com/data.

What are CDD and HOA fees in Florida?

Many newer Florida communities carry CDD (Community Development District) bond assessments on top of HOA dues, which can add hundreds of dollars a month to the true cost of ownership. Momentum's neighborhood guides and HOA/CDD databases disclose these for thousands of communities.

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Neighborhood Guides

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Built for top-producing agents, not corporate bureaucracy.

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May Housing Pulse

The insurance crisis, by county

Florida market outlook 2026

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