Gulf County housing scorecard.
Everything the paid data sites charge for, free and built for Florida: home value, rent, cap rate, 5-year growth, price versus incomes, overvaluation and our 0 to 100 Momentum Market Score, from Zillow, Realtor.com and Census data.
The typical home costs about 5.93 times the local median income, about 21.7% richer than the Florida norm, so value is stretched here. Values are up roughly 5.9% a year over the last five years. Owning the typical home at today's 6.52% 30-year rate takes about 36.1% of a median income in principal and interest, the affordability squeeze in one number. Add the average Citizens homeowners premium (about $179 a month) and the monthly cost to own runs near $2,203, before property tax. About 19.1% of listings have cut their price.
Gulf County housing market, in one paragraph
As of 2026-06-09, in Gulf County, the typical home is worth $399,522; up about 5.9% a year over five years; the Momentum Market Score is 14/100 (expensive against incomes and tight for buyers); the market looks about 22% overvalued; the average Citizens insurance premium is about $2,147 a year. Data from Zillow, Realtor.com, the U.S. Census and Citizens Property Insurance; scores by Momentum Realty.
Typical home value, last 13 months
Ten years ago the typical home here was about $192,788; today it is $399,522.
Where Gulf sits
Open the full Florida market map →Gulf vs Florida average
| Metric | Gulf | FL avg |
|---|---|---|
| Buyer-value score | 14 | 50 |
| Typical home value | $399,522 | $332,815 |
| Price cuts | 19.1% | 24.1% |
| Income to own | 36.1% | 30.5% |
| Cost to own / mo | $2,203/mo | $1,832/mo |
Green = the more buyer-friendly figure. “FL avg” is the unweighted mean across all 67 Florida counties. “Income to own” is principal & interest only; “cost to own” adds the average Citizens homeowners premium at the current 6.52% 30-year rate, 20% down, property tax not included.
Quick answers: is now a good time to buy in Gulf County, is it overvalued, and more.
What drives the score
Each bar is this county ranked against every other Florida county (0 = lowest, 100 = highest) on that input, then weighted into the score. Higher overall = more buyer value and leverage. See the full methodology.
Momentum scores for Gulf
Three composite reads, each built from the labeled components below it (0 = lowest in Florida, 100 = highest). Every input is public and the formula is published, unlike the paywalled black-box versions elsewhere.
10-year upside from appreciation, incomes, demographics, affordability and valuation.
Near-term price direction signal from recent appreciation, days on market, inventory and price cuts. A momentum read, not a guaranteed forecast.
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Free housing data from Momentum Realty · Zillow, Realtor.com, Census & FRED sources.
Who is moving in and out of Gulf
In 2022 to 2023, Gulf County saw 603 households move in and 427 move out, a net of +176 households (+332 people). The households arriving reported about $110,403 in average income versus $66,944 for those leaving, so Gulf is pulling in higher earners. Net, +$38M of annual income moved into the county.
Households approximate tax returns; people approximate exemptions; income is total adjusted gross income. Source: IRS Statistics of Income, county-to-county migration, 2022 to 2023.
Property insurance in Gulf
Citizens, Florida's state-backed insurer of last resort, now covers 74 homes in Gulf County at an average premium of about $2,147 a year. A rising Citizens count is the clearest sign of where private insurers have pulled back and premiums have spiked.
Figures cover Citizens Property Insurance (the state insurer of last resort), not the whole market, so they understate total private-market premiums while precisely tracking where coverage has become hardest to get. Source: Citizens Property Insurance Corporation, Policies in Force by County, April 2026.
New construction pipeline in Gulf
In 2025, builders pulled permits for 302 new homes in Gulf County: 302 single-family and 0 in multifamily buildings. That is up 0.0% from the year before. At 20.4 permits per 1,000 residents, new supply here is well above the Florida pace.
New homes permitted, 2021 to 2025
Privately-owned residential units authorized by building permits, reported plus imputed. Source: U.S. Census Bureau, Building Permits Survey, 2025.
ZIP-level scorecards in Gulf County
Zoom in from the county to any ZIP for its own home value, cap rate, overvaluation and buyer-value score (2 scored ZIP codes, highest score first):
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Common questions
Is Gulf County a buyer's or seller's market?
By our Momentum Market Score, Gulf County reads frothy (14 out of 100), meaning it is expensive against incomes and tight for buyers. The score blends value versus local incomes, price cuts, inventory growth, affordability and rent yield.
How much is a home worth in Gulf County?
The typical home value is $399,522 (Zillow Home Value Index, 2026-06-09), up about 5.9% a year over the last five years.
Is Gulf County housing overvalued or undervalued?
On price versus the local long-term trend and incomes, Gulf County looks about 22% overvalued, with a price-to-income ratio of 5.93x. Overvaluation compares the current typical value to its own historical relationship with local income, not to other markets.
How much is homeowners insurance in Gulf County?
The average Citizens Property Insurance premium in Gulf County is about $2,147 a year. Citizens is Florida's insurer of last resort, so its county average is a realistic floor; private quotes vary by roof age, elevation and flood zone. Insurance is now one of the largest line items in a Florida housing budget.
Is Gulf County a good place to invest in rental property?
Rental math in Gulf County depends on the specific property. Run the full numbers, including taxes and insurance, in our Florida investment property calculator.
Where does this data come from?
Home values and rent are from Zillow Research, days on market and listings from Realtor.com, income and population from the U.S. Census, mortgage rates from Freddie Mac via FRED, and insurance from Citizens Property Insurance. Derived metrics and the Momentum Market Score are computed by Momentum Realty with a published methodology.
Data: Zillow Research (home value, rent), Realtor.com (days on market, listings), U.S. Census Bureau ACS (income, population), and Freddie Mac 30-Year Fixed Rate Mortgage Average [MORTGAGE30US] via FRED (rate). Momentum Market Score and derived metrics computed by Momentum Realty.
Thinking about Gulf County?
A score is the 30,000-foot view. We live here. Talk to the founders about what the number means for a specific neighborhood, street, or budget.
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