Florida Housing Data · Value & Risk
The most overvalued Florida housing markets.
How far each county's home-value-to-income ratio sits above the Florida norm. The higher the figure, the more prices have outrun local incomes, which is the classic setup for a stall or a correction when buyers tap out.
| # | County | Over/undervalued | Home value | Score |
|---|---|---|---|---|
| 1 | Monroe County | +138.7% | $959,844 | 13 |
| 2 | Walton County | +69.4% | $654,948 | 19 |
| 3 | Miami-Dade County | +55.4% | $521,012 | 14 |
| 4 | Franklin County | +37.8% | $421,618 | 25 |
| 5 | Glades County | +37.8% | $261,366 | 34 |
| 6 | Collier County | +31.0% | $550,723 | 8 |
| 7 | Gulf County | +21.4% | $399,009 | 29 |
| 8 | Palm Beach County | +20.0% | $474,416 | 20 |
| 9 | Broward County | +16.5% | $423,492 | 23 |
| 10 | Okeechobee County | +14.2% | $291,202 | 39 |
| 11 | Martin County | +13.8% | $448,218 | 18 |
| 12 | Jefferson County | +12.6% | $312,612 | 29 |
| 13 | Nassau County | +11.3% | $482,579 | 28 |
| 14 | Levy County | +10.5% | $289,894 | 30 |
| 15 | Saint Lucie County | +10.3% | $371,231 | 40 |
| 16 | Manatee County | +10.3% | $407,828 | 30 |
| 17 | Sumter County | +8.7% | $388,138 | 32 |
| 18 | Pinellas County | +8.1% | $370,534 | 40 |
| 19 | Osceola County | +7.2% | $359,490 | 41 |
| 20 | Orange County | +6.6% | $400,602 | 41 |
| 21 | Hendry County | +6.0% | $274,458 | 51 |
| 22 | Lake County | +6.0% | $361,482 | 53 |
| 23 | Indian River County | +5.2% | $364,167 | 32 |
| 24 | Alachua County | +4.6% | $304,012 | 49 |
| 25 | Hillsborough County | +3.1% | $377,121 | 47 |
| 26 | Gilchrist County | +2.9% | $306,479 | 58 |
| 27 | De Soto County | +2.3% | $253,930 | 44 |
| 28 | Columbia County | +1.1% | $271,358 | 54 |
| 29 | Suwannee County | +0.9% | $273,177 | 50 |
| 30 | Sarasota County | +0.9% | $396,714 | 33 |
| 31 | Citrus County | +0.7% | $271,610 | 53 |
| 32 | Bay County | +0.5% | $344,049 | 40 |
| 33 | Pasco County | +0.3% | $329,346 | 64 |
| 34 | Volusia County | +0.1% | $324,688 | 45 |
| 35 | Hernando County | -0.1% | $307,929 | 62 |
| 36 | Seminole County | -1.0% | $400,852 | 53 |
| 37 | Flagler County | -2.0% | $348,636 | 43 |
| 38 | Dixie County | -4.6% | $221,373 | 50 |
| 39 | Polk County | -4.6% | $295,824 | 58 |
| 40 | Putnam County | -5.3% | $218,349 | 57 |
| 41 | Saint Johns County | -5.5% | $488,938 | 45 |
| 42 | Marion County | -5.7% | $269,197 | 65 |
| 43 | Lee County | -5.9% | $335,409 | 42 |
| 44 | Leon County | -7.1% | $294,604 | 63 |
| 45 | Hardee County | -7.3% | $244,900 | 56 |
| 46 | Brevard County | -7.5% | $341,942 | 58 |
| 47 | Charlotte County | -7.9% | $297,268 | 50 |
| 48 | Okaloosa County | -8.5% | $353,011 | 62 |
| 49 | Hamilton County | -8.7% | $212,350 | 50 |
| 50 | Baker County | -8.7% | $315,090 | 79 |
| 51 | Taylor County | -10.0% | $197,629 | 66 |
| 52 | Gadsden County | -10.2% | $201,459 | 75 |
| 53 | Lafayette County | -10.4% | $265,104 | 66 |
| 54 | Madison County | -10.6% | $210,250 | 69 |
| 55 | Duval County | -11.8% | $294,579 | 63 |
| 56 | Escambia County | -12.0% | $281,804 | 71 |
| 57 | Washington County | -12.8% | $223,859 | 81 |
| 58 | Bradford County | -13.3% | $252,406 | 72 |
| 59 | Highlands County | -13.9% | $233,302 | 76 |
| 60 | Union County | -16.1% | $265,709 | 92 |
| 61 | Santa Rosa County | -19.2% | $350,816 | 74 |
| 62 | Jackson County | -19.8% | $184,878 | 78 |
| 63 | Holmes County | -20.0% | $188,335 | 63 |
| 64 | Clay County | -20.0% | $336,192 | 78 |
| 65 | Wakulla County | -20.2% | $288,738 | 72 |
| 66 | Liberty County | -20.2% | $209,249 | 95 |
| 67 | Calhoun County | -22.7% | $176,870 | 85 |
Tap a county for its full scorecard (home value, cap rate, scores, migration, permits, insurance). Computed from Zillow Home Value Index and U.S. Census median household income.
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Common questions
Which Florida county ranks first for over/undervalued?
Monroe County leads, followed by Walton County and Miami-Dade County. The full ranking of 67 counties is in the table above.
Where does this data come from?
Computed from Zillow Home Value Index and U.S. Census median household income. Tap any county to open its full scorecard. Data current as of 2026-09-24.