Madison County real estate, your questions answered.
Short answer: as of 2026-06-09, Madison County scores 62/100 (buyer value) on our buyer-value scale, the typical home is worth $208,688, the market looks about 11% undervalued, and average insurance runs about $1,028 a year.
Answers update from live data (2026-06-09). For the full numbers, see the Madison County housing scorecard.
Is now a good time to buy a house in Madison County?
As of 2026-06-09, our Momentum Market Score for Madison County is 62 out of 100, which reads buyer value, meaning the market is leaning to the buyer on price and leverage. Prices are rising (1.7% over the past year) and the area looks about 11% undervalued versus local incomes. A higher score means more buyer value and negotiating leverage; see the full Madison County scorecard for the breakdown.
Is Madison County a buyer's or seller's market?
Madison County currently reads buyer value on our 0 to 100 score (62/100), 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 Madison County?
The typical home in Madison County is worth $208,688 (Zillow, 2026-06-09). Prices are rising over the last year (1.7%) and have moved about 7.1% a year over five years.
Is Madison County housing overvalued?
On price versus the area's own long-run relationship with local income, Madison County looks about 11% undervalued, with a price-to-income ratio of 4.33x. This compares the current typical value to its historical norm, not to other markets.
How much does a house cost in Madison County?
The typical Madison County home is worth about $208,688 as of 2026-06-09, against a county median household income near $48,176.
How much is homeowners insurance in Madison County?
The average Citizens Property Insurance premium in Madison County is about $1,028 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 Madison County?
In the latest IRS migration data, Madison County is net gaining about 149 households a year, drawing the most out-of-state arrivals from GA.
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. Madison County scorecard · all county Q&A · all scorecards.