Holmes County real estate, your questions answered.
Short answer: as of 2026-06-09, Holmes County scores 63/100 (buyer value) on our buyer-value scale, the typical home is worth $187,855, the market looks about 20% undervalued, and average insurance runs about $1,472 a year.
Answers update from live data (2026-06-09). For the full numbers, see the Holmes County housing scorecard.
Is now a good time to buy a house in Holmes County?
As of 2026-06-09, our Momentum Market Score for Holmes County is 63 out of 100, which reads buyer value, meaning the market is leaning to the buyer on price and leverage. Prices are falling (-2.1% over the past year) and the area looks about 20% undervalued versus local incomes. A higher score means more buyer value and negotiating leverage; see the full Holmes County scorecard for the breakdown.
Is Holmes County a buyer's or seller's market?
Holmes County currently reads buyer value on our 0 to 100 score (63/100), so it is leaning to the buyer on price and leverage. The score blends home value versus local incomes, price cuts, inventory trend, affordability and rent yield.
Are home prices going up or down in Holmes County?
The typical home in Holmes County is worth $187,855 (Zillow, 2026-06-09). Prices are falling over the last year (-2.1%) and have moved about 4.2% a year over five years.
Is Holmes County housing overvalued?
On price versus the area's own long-run relationship with local income, Holmes County looks about 20% undervalued, with a price-to-income ratio of 3.89x. This compares the current typical value to its historical norm, not to other markets.
How much does a house cost in Holmes County?
The typical Holmes County home is worth about $187,855 as of 2026-06-09, against a county median household income near $48,236.
How much is homeowners insurance in Holmes County?
The average Citizens Property Insurance premium in Holmes County is about $1,472 a year. Citizens is Florida's insurer of last resort, so that is a realistic floor; private quotes vary by roof age, elevation and flood zone. In Florida, insurance is now one of the largest line items in a housing budget.
Are people moving to or from Holmes County?
In the latest IRS migration data, Holmes County is net gaining about 113 households a year, drawing the most out-of-state arrivals from AL.
Sources: Zillow, Realtor.com, U.S. Census, Freddie Mac/FRED, IRS migration, Citizens Property Insurance. Scores by Momentum Realty. Informational only, not investment, legal or insurance advice. Holmes County scorecard · all county Q&A · all scorecards.