Calhoun County Homes for Sale

Northwest Florida · county seat Blountstown · 13,593 residents

Calhoun County is Blountstown — a small, deeply rural county on the Apalachicola River in the central Panhandle, with an agriculture-and-timber economy and very low costs, among the areas hit hardest by Hurricane Michael.

40 homes for saleMedian $173KBalanced MarketNorthwest Florida
Live Market Pulse
61/100
Momentum
Balanced Market
Buyer 7/10 · Seller 4/10 · Investor 5/10. One of Florida's more affordable markets, with value-priced homes and land for buyers who want a rural pace.
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Built fromZillow & Realtor.com datarealMLS listingsCensus & IRSUpdated monthly
LiveMarket PulseApril 2026
$173K
Median Value
-0.8%
1-Yr Price
81days
Avg DOM
17.8%
Price Cuts
Balanced
Seller Leverage
$155/sf
Median $/Sqft
40
For Sale
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Calhoun County is Blountstown — a small, deeply rural county on the Apalachicola River in the central Panhandle, with an agriculture-and-timber economy and very low costs, among the areas hit hardest by Hurricane Michael. For buyers that means real negotiating room; for sellers, sharp pricing and a willingness to offer a concession. The county median is a starting point — the number that matters is the one for a specific home in a specific Calhoun County neighborhood, which is what we price against live comps."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Calhoun County snapshot (April 2026): typical home value $173K ($155/sqft), about 40 active listings, a median 81 days on market, and 17.8% of listings cutting price — a balanced market. Values are -0.8% over the past year and +3.2% over five years.

Calhoun County's economy rests on agriculture and timber, county-and-school-district government, a regional hospital, and a small corrections-and-services base. It is one of the smallest, most rural, and most affordable economies in Florida, and it absorbed severe damage from Hurricane Michael in 2018.

Entry
under $121K

Condos, townhomes, and starter homes — the lowest-cost way into Calhoun County and its school zones.

Core
$121K–$225K

The heart of the market: established single-family homes and newer planned-community product.

Top
$225K+

Luxury, waterfront, acreage, and custom homes — the county's strongest-resale tier.

Rolled-up counts and medians from Realtor.com, April 2026. Price bands are typical ranges for orientation, not an appraisal.

Calhoun County Market Scorecard

Balanced Market

Calhoun County is a balanced market: about 40 active listings, a median list price of $251,000, 17.8% of them cutting price, and homes going under contract in about 81 days.

$173K
Typical value
12
New / mo
$155
$/sqft
81
Days on mkt
17.8%
Cut price
n/a
Median rent
Typical home value · last 13 months $173K

Go deeper: county scorecard · all 67 counties · true cost calculator · affordability calculator.

Typical value & rent: Zillow Research. Listings & days on market: Realtor.com, April 2026. Market metrics describe homes for sale and recent sales, not residents.

Should You Buy, Sell, or Invest Here?

7/10
Buyer

One of Florida's more affordable markets, with value-priced homes and land for buyers who want a rural pace.

4/10
Seller

Demand is steady but thin and value-driven, so price to recent local comps.

5/10
Investor

Low entry prices and steady local rental demand, though appreciation here is slow and steady rather than fast.

Cash offer
~$156K
  • Close in as little as 7–14 days
  • No repairs, cleaning, or showings
  • No financing fall-through
  • Pick your move-out date
List with Momentum
~$173Ktypical value
  • Often nets more, even after commission
  • Sells 1.25% above MLS average, 8 days faster
  • Full marketing & negotiation
  • We front the prep with our concierge

Figures are illustrative ranges, not an offer. Your actual cash offer and net-to-seller depend on the home's condition, location, and current Calhoun County demand. Compare both at our Calhoun County cash-offer page.

Schools in Calhoun County

The Calhoun County School District serves Blountstown and Altha.

  • Blountstown High School
  • Altha School (K-12)

This is a small district; confirm the zoned assignment for a specific address. See school-zone guides →

Taxes, Insurance & Cost to Own

A median-priced Calhoun County home costs about $1,303/month all-in (mortgage, tax, and insurance, 10% down) against median household income of $46,901. Florida's homestead exemption removes up to $50,000 of assessed value, and Save Our Homes caps annual assessed-value increases at 3% while you keep the homestead.

Typical property-tax millage15.944 mills (~1.59% before exemptions)
Avg. homeowners insurance$1,669/yr (Citizens county avg)
Homestead exemptionUp to $50,000 + 3% Save Our Homes cap
Est. all-in monthly (PITI)$1,303/mo on a $173K home
Income to buy median home$52,129/yr (est.)

At about $1,669 a year on average, Calhoun is middle-of-the-pack for Florida — manageable, but very address-dependent near the water. Wind-mitigation features earn insurance credits; flood insurance is priced separately by address. Run your own numbers with the true cost calculator.

New Construction in Calhoun County

Builders pulled 4 residential permits last year (-85.7% YoY) — 4 single-family and 0 multifamily, about 0.3 per 1,000 residents. Active master-planned communities include Blountstown-area acreage. Builders compete on rate buydowns and closing-cost credits; buyer representation matters even on a new build. See active builders →

Population & Migration

Calhoun County has about 13,593 residents. On a net domestic basis it saw net domestic out-migration of about 25 people and a net -$2.35M in adjusted gross income in the latest IRS filing year (county-to-county moves within the U.S.; this does not count international migration or births). Migration is the demand engine behind prices: when more income flows in than out, it supports both rents and values.

12-Month Forecast

Expect Calhoun to remain one of the most affordable markets in the state over the next 12 months, with modest local demand, continued post-Michael rebuilding, and very low prices.

BlountstownCounty seat on the Apalachicola River.
AlthaSmall farming town to the north.

Economy & Major Employers

Calhoun County's economy rests on agriculture and timber, county-and-school-district government, a regional hospital, and a small corrections-and-services base. It is one of the smallest, most rural, and most affordable economies in Florida, and it absorbed severe damage from Hurricane Michael in 2018.

  • Calhoun County School District
  • Calhoun-Liberty Hospital
  • Calhoun County government
  • agriculture and timber
  • Florida Department of Corrections
  • local retail and services

Agriculture, timber, and government anchor this very small Apalachicola River county that was hit hard by Hurricane Michael.

A deep, diversified employer base is what underpins housing demand through national cycles. Talk to a local Calhoun County agent →

Master-plannedBlountstown-area acreage
WaterfrontApalachicola River, Chipola River
Luxuryriverfront and farmland estates

Lifestyle in Calhoun County

Calhoun County is quiet river-and-forest Panhandle: the Apalachicola and Chipola rivers for fishing and paddling, the Panhandle Pioneer Settlement living-history museum in Blountstown, and a rolling, agricultural-and-timber landscape. It is a remote, very affordable, outdoors-and-farming lifestyle along one of Florida's great rivers.

Risks to Weigh

Calhoun County's risks are rural and storm-related: Hurricane Michael (2018) caused catastrophic damage across the county, recovery has been long, the economy is tiny and agriculture-timber-and-government dependent, and incomes are low. It is inland, so surge is not a factor, but wind exposure is real, and the market is very small.

Calhoun County Real Estate FAQ

What is the median home price in Calhoun County?
The typical Calhoun County home is worth about $173K as of April 2026 (Zillow ZHVI), -0.8% over the past year. The median list price is similar; individual neighborhoods range widely around that figure.
Is Calhoun County a buyer's or seller's market?
As of April 2026, Calhoun County is a balanced market. Homes are taking a median of 81 days to sell, and inventory has rebuilt from its lows, giving buyers more room to negotiate than in recent years.
Is Calhoun County expensive?
Calhoun County's price-to-income ratio is about 3.7×, which is below the typical Florida county. The bigger cost surprises for newcomers are property insurance and, in newer communities, CDD fees — not the sticker price.
What is the average rent in Calhoun County?
Zillow does not publish a reliable median-rent index for a market the size of Calhoun County, so we don't quote a single rent figure here. A local agent can pull recent comparable rentals for a specific home or area.
Are property taxes high in Calhoun County?
The typical millage is about 15.944 mills, or roughly 1.59% of taxable value before exemptions. Florida's $50,000 homestead exemption and the Save Our Homes 3% assessment cap meaningfully lower the bill for owner-occupants.
How much is homeowners insurance in Calhoun County?
The Citizens county-average premium is about $1,669 a year, but your actual cost depends heavily on the home's age, roof, construction, and flood zone. Wind-mitigation credits can lower it; flood insurance is priced separately by address.
Is Calhoun County a good place to invest in real estate?
Low entry prices and steady local rental demand, though appreciation here is slow and steady rather than fast.
Is Calhoun County growing?
Calhoun County has about 13,593 residents and is still drawing net in-migration of people and income. Migration and jobs are the forces most likely to support prices through the rate cycle.
How long do homes take to sell in Calhoun County?
A median of about 81 days on market as of April 2026, longer than the 2021-2022 frenzy and a sign of today's more balanced conditions.
What are the best areas to live in Calhoun County?
The county seat, Blountstown, anchors the market, and the right area depends on whether you prioritize schools, commute, the water, or new construction. Our neighborhood guides map each on price, schools, and lifestyle.
What is the price per square foot in Calhoun County?
Listings in Calhoun County are priced around the area's median per-square-foot rate as of April 2026; smaller, older, and inland homes run below it, while new construction and waterfront run above. Per-square-foot is most useful within a single neighborhood, not across the whole county.
How much income do I need to buy a home in Calhoun County?
As a rough rule, a buyer needs household income roughly in line with the county's price-to-income ratio of 3.7× the home price, keeping total housing costs near 30% of income. Median household income here is $46,901. A lender pre-approval gives you the exact figure for your situation.
Is now a good time to buy in Calhoun County?
It depends on your horizon. For buyers planning to stay several years, today's balanced market conditions — more inventory and routine price cuts — offer better terms than the 2021-2022 peak. For short-term flips, flat appreciation makes the math tight. The right answer is specific to the home and your timeline.
Do I need flood insurance in Calhoun County?
It depends on the address. Homes in FEMA high-risk flood zones (A or V) typically require flood insurance with a federally backed mortgage, and even outside those zones it can be worth carrying in low-lying or coastal parts of Calhoun County. Flood premiums are priced separately by address under FEMA Risk Rating 2.0, so always check the flood zone before you buy.
Is Calhoun County a good place to retire?
Florida's lack of a state income tax and the homestead/Save Our Homes protections make Calhoun County attractive for retirees on a fixed income, especially in its 55+ and lower-maintenance communities. Weigh that against insurance costs and proximity to healthcare when you choose a specific area.
How fast are home prices rising in Calhoun County?
Over the past year, the typical Calhoun County home value moved -0.8%. Over five years it is +3.2% and over ten years +6.4% — so the long-run trend is up even though near-term growth has cooled.
What is the cost of living in Calhoun County?
Housing, insurance, and property tax are the main local cost drivers; Florida charges no state income tax. A median-priced home runs about $1,303 a month all-in (mortgage, tax, and insurance), against median household income of $46,901 a year. Utilities, transportation, and healthcare track close to state averages.
What are the risks of buying in Calhoun County?
The main ones are hurricane and flood exposure (which drive insurance costs), rising premiums statewide, and — in fast-growing submarkets — overbuilding that can soften resale and rents. On older condos, ask about reserves and special assessments. None are dealbreakers, but all belong in your budget before you offer.
Is Calhoun County good for real estate investors?
Calhoun County's estimated cap rate is roughly in line with the state norm, so it leans toward appreciation over cash flow. Net migration and the local job base are the demand signals that matter most for landlords here.
What counties are near Calhoun County?
See the 'Explore more' section on this page for direct links to the neighboring county market reports, plus the full set of scorecards for all 67 Florida counties.
Has inventory in Calhoun County gone up?
Yes — active listings are -15.9% versus a year ago. That rebuild from pandemic-era lows is the single biggest reason buyers have more leverage now than they did in 2021-2022.
Has Calhoun County recovered from Hurricane Michael?
Hurricane Michael (2018) struck Calhoun County with catastrophic force as it moved inland, and recovery in this small, rural county has been gradual. Much of the timber and many structures were damaged, and rebuilding continues. It remains one of the most affordable, least developed counties in Florida, oriented around the Apalachicola and Chipola rivers, agriculture, and timber.

or call (904) 351-6461 · jon@movewithmomentum.com