Liberty County real estate, your questions answered.
Short answer: as of 2026-06-09, Liberty County scores 76/100 (strong buyer value) on our buyer-value scale, the typical home is worth $199,231, the market looks about 24% undervalued, and average insurance runs about $922 a year.
Answers update from live data (2026-06-09). For the full numbers, see the Liberty County housing scorecard.
Is now a good time to buy a house in Liberty County?
As of 2026-06-09, our Momentum Market Score for Liberty County is 76 out of 100, which reads strong buyer value, meaning the market is priced low against incomes with real negotiating room. Prices are rising (5.5% over the past year) and the area looks about 24% undervalued versus local incomes. A higher score means more buyer value and negotiating leverage; see the full Liberty County scorecard for the breakdown.
Is Liberty County a buyer's or seller's market?
Liberty County currently reads strong buyer value on our 0 to 100 score (76/100), 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 Liberty County?
The typical home in Liberty County is worth $199,231 (Zillow, 2026-06-09). Prices are rising over the last year (5.5%) and have moved about 6.7% a year over five years.
Is Liberty County housing overvalued?
On price versus the area's own long-run relationship with local income, Liberty County looks about 24% undervalued, with a price-to-income ratio of 3.7x. This compares the current typical value to its historical norm, not to other markets.
How much does a house cost in Liberty County?
The typical Liberty County home is worth about $199,231 as of 2026-06-09, against a county median household income near $53,824.
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 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 Liberty County?
In the latest IRS migration data, Liberty County is net gaining about 27 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. Liberty County scorecard · all county Q&A · all scorecards.