Jefferson County real estate, your questions answered.
Short answer: as of 2026-07-06, Jefferson County scores 30/100 (seller-favored) on our buyer-value scale, the typical home is worth $309,004, the market looks about 10% overvalued, and average insurance runs about $1,152 a year.
Answers update from live data (2026-07-06). For the full numbers, see the Jefferson County housing scorecard.
| Momentum Market Score | 30/100 (seller-favored) |
|---|---|
| Typical home value | $309,004 |
| 1-year price change | 3.3% |
| Overvaluation vs local income | about 10% overvalued |
| Avg insurance / year | $1,152 |
Is now a good time to buy a house in Jefferson County?
As of 2026-07-06, our Momentum Market Score for Jefferson County is 30 out of 100, which reads seller-favored, meaning the market is pricey against incomes with thin buyer leverage. Prices are rising (3.3% over the past year) and the area looks about 10% overvalued versus local incomes. A higher score means more buyer value and negotiating leverage; see the full Jefferson County scorecard for the breakdown.
Is Jefferson County a buyer's or seller's market?
Jefferson County currently reads seller-favored on our 0 to 100 score (30/100), so it is pricey against incomes with thin buyer 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 Jefferson County?
The typical home in Jefferson County is worth $309,004 (Zillow, 2026-07-06). Prices are rising over the last year (3.3%) and have moved about 6.6% a year over five years.
Is Jefferson County housing overvalued?
On price versus the area's own long-run relationship with local income, Jefferson County looks about 10% overvalued, with a price-to-income ratio of 5.42x. This compares the current typical value to its historical norm, not to other markets.
How much does a house cost in Jefferson County?
The typical Jefferson County home is worth about $309,004 as of 2026-07-06, against a county median household income near $56,984.
How much is homeowners insurance in Jefferson County?
The average Citizens Property Insurance premium in Jefferson County is about $1,152 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 Jefferson County?
In the latest IRS migration data, Jefferson County is net gaining about 90 households a year.
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. Jefferson County scorecard · all county Q&A · all scorecards.