Cedar Key, FL (32626) housing scorecard.
As of 2026-11-06, the typical home in Cedar Key, FL (32626) is worth $277,641, up about 4.5% a year over five years; the Momentum Market Score is 62/100 (leaning to the buyer on price and leverage). Data from Zillow, Realtor.com and the U.S. Census; score by Momentum Realty.
Home value, rent, cap rate, 5-year growth, price versus incomes and our 0 to 100 Momentum Market Score for ZIP 32626, free.
At about 4.59 times the local median income, prices sit close to the Florida norm. Values are up roughly 4.5% a year over the last five years. Owning the typical home at the 7.18% 30-year rate (Freddie Mac weekly average, Nov 5, 2026) takes about 29.9% of a median income in principal and interest, the affordability squeeze in one number. About 23.7% of listings have cut their price.
Typical home value, last 13 months
What drives the score
Each bar ranks this ZIP against every other Florida ZIP (0 = lowest, 100 = highest) on that input, then weighted into the score. Full methodology.
Common questions
Is Cedar Key, FL (32626) a buyer's or seller's market?
By the Momentum Market Score, Cedar Key, FL (32626) reads buyer value (62 out of 100), meaning it is leaning to the buyer on price and leverage. The score blends value versus incomes, price cuts, inventory growth, affordability and rent yield.
What is the typical home value in Cedar Key?
About $277,641 (Zillow Home Value Index, 2026-11-06), up roughly 4.5% a year over five years.
Where does this data come from?
Zillow Research (home value, rent), Realtor.com (days on market, listings), U.S. Census (income, population), Freddie Mac via FRED (rate). Score and derived metrics by Momentum Realty, methodology here.
Data: Zillow Research, Realtor.com, U.S. Census Bureau ACS, and Freddie Mac 30-Year Fixed Rate Mortgage Average [MORTGAGE30US] via FRED. Score by Momentum Realty.
Housing distress & ownership in ZIP 32626
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.
Looking in Cedar Key?
A ZIP-level score is the lay of the land. We know the streets. Talk to the founders.
Talk to the founders