Liberty 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 runs about 3.86 times the local median income, which is roughly 21.6% cheaper than the Florida norm. Values are up roughly 6.0% a year over the last five years. Owning the typical home at today's 6.52% 30-year rate takes about 23.5% of a median income in principal and interest, the affordability squeeze in one number. Add the average Citizens homeowners premium (about $77 a month) and property taxes (about $86 a month) and the monthly cost to own runs near $1,216. About 12.5% of listings have cut their price.
Liberty County housing market, in one paragraph
As of 2026-08-01, in Liberty County, the typical home is worth $207,878; up about 6.0% a year over five years; the Momentum Market Score is 73/100 (priced low against incomes with real negotiating room); the market looks about 22% undervalued; the average Citizens insurance premium is about $922 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 $110,237; today it is $207,878.
Where Liberty sits
Open the full Florida market map →Liberty vs Florida average
| Metric | Liberty | FL avg |
|---|---|---|
| Buyer-value score | 73 | 50 |
| Typical home value | $207,878 | $336,033 |
| Price cuts | 12.5% | 24.6% |
| Income to own | 23.5% | 30.9% |
| Cost to own / mo | $1,216/mo | $2,005/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 and property taxes at the current 6.52% 30-year rate, 20% down.
Quick answers: is now a good time to buy in Liberty County, is it overvalued, and more.
Run the numbers for Liberty County: true monthly cost · rental underwrite · insurance check · property tax · compare vs another county.
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 Liberty
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.
Rental-investor attractiveness from yield, rent growth, appreciation, demographics 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.
Housing stock and economy in Liberty
Housing tenure, vacancy, financing, education and remote work. Source: U.S. Census Bureau, American Community Survey 5-Year. These figures describe the housing stock and economy of an area, not its residents. Momentum Realty does not steer buyers or sellers and complies fully with the Fair Housing Act.
Who is moving in and out of Liberty
In 2022 to 2023, Liberty County saw 178 households move in and 151 move out, a net of +27 households (+87 people). Arrivers and leavers earned about the same ($42,624 vs $41,834 average). Net, +$1M 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 Liberty
Citizens, Florida's state-backed insurer of last resort, now covers 60 homes in Liberty County at an average premium of about $922 a year. That is roughly 1.9% of the county's housing units on the state plan, a direct read on how far private insurers have pulled back.
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 Liberty
In 2025, builders pulled permits for 25 new homes in Liberty County: 25 single-family and 0 in multifamily buildings. That is up 212.5% from the year before. At 3.3 permits per 1,000 residents, new supply here is below 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 Liberty County
Zoom in from the county to any ZIP for its own home value, cap rate, overvaluation and buyer-value score (1 scored ZIP codes, highest score first):
Housing distress & ownership in Liberty
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. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
Go deeper
Compare nearby counties:
Common questions
Is Liberty County a buyer's or seller's market?
By our Momentum Market Score, Liberty County reads strong buyer value (73 out of 100), meaning it is priced low against incomes with real negotiating room. The score blends value versus local incomes, price cuts, inventory growth, affordability and rent yield.
How much is a home worth in Liberty County?
The typical home value is $207,878 (Zillow Home Value Index, 2026-08-01), up about 6.0% a year over the last five years.
Is Liberty County housing overvalued or undervalued?
On price versus the local long-term trend and incomes, Liberty County looks about 22% undervalued, with a price-to-income ratio of 3.86x. Overvaluation compares the current typical value to its own historical relationship with local income, not to other markets.
How much is homeowners insurance in Liberty County?
The average Citizens Property Insurance premium in Liberty County is about $922 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 Liberty County a good place to invest in rental property?
Rental math in Liberty 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 Liberty 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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