Lafayette County real estate, your questions answered.
Short answer: as of 2026-07-06, Lafayette County scores 71/100 (strong buyer value) on our buyer-value scale, the typical home is worth $268,477, the market looks about 10% undervalued, and average insurance runs about $972 a year.
Answers update from live data (2026-07-06). For the full numbers, see the Lafayette County housing scorecard.
| Momentum Market Score | 71/100 (strong buyer value) |
|---|---|
| Typical home value | $268,477 |
| 1-year price change | 7.8% |
| Overvaluation vs local income | about 10% undervalued |
| Avg insurance / year | $972 |
Is now a good time to buy a house in Lafayette County?
As of 2026-07-06, our Momentum Market Score for Lafayette County is 71 out of 100, which reads strong buyer value, meaning the market is priced low against incomes with real negotiating room. Prices are rising (7.8% over the past year) and the area looks about 10% undervalued versus local incomes. A higher score means more buyer value and negotiating leverage; see the full Lafayette County scorecard for the breakdown.
Is Lafayette County a buyer's or seller's market?
Lafayette County currently reads strong buyer value on our 0 to 100 score (71/100), so it is priced low against incomes with real negotiating room. The score blends home value versus local incomes, price cuts, inventory trend, affordability and rent yield.
Are home prices going up or down in Lafayette County?
The typical home in Lafayette County is worth $268,477 (Zillow, 2026-07-06). Prices are rising over the last year (7.8%) and have moved about 7.6% a year over five years.
Is Lafayette County housing overvalued?
On price versus the area's own long-run relationship with local income, Lafayette County looks about 10% undervalued, with a price-to-income ratio of 4.42x. This compares the current typical value to its historical norm, not to other markets.
How much does a house cost in Lafayette County?
The typical Lafayette County home is worth about $268,477 as of 2026-07-06, against a county median household income near $60,692.
How much is homeowners insurance in Lafayette County?
The average Citizens Property Insurance premium in Lafayette County is about $972 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 Lafayette County?
In the latest IRS migration data, Lafayette County is net gaining about 84 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. Lafayette County scorecard · all county Q&A · all scorecards.