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 | +138.5% | $966,757 | 17 |
| 2 | Walton County | +68.3% | $656,360 | 19 |
| 3 | Miami-Dade County | +54.5% | $521,999 | 17 |
| 4 | Glades County | +39.3% | $266,330 | 26 |
| 5 | Franklin County | +38.0% | $425,681 | 21 |
| 6 | Collier County | +31.3% | $556,356 | 19 |
| 7 | Gulf County | +22.0% | $404,460 | 13 |
| 8 | Palm Beach County | +18.1% | $471,499 | 24 |
| 9 | Broward County | +15.5% | $423,722 | 28 |
| 10 | Okeechobee County | +13.8% | $292,913 | 34 |
| 11 | Martin County | +13.2% | $449,671 | 23 |
| 12 | Levy County | +10.4% | $292,380 | 34 |
| 13 | Nassau County | +10.2% | $482,069 | 28 |
| 14 | Jefferson County | +10.2% | $309,004 | 30 |
| 15 | Saint Lucie County | +9.8% | $372,606 | 45 |
| 16 | Manatee County | +9.8% | $409,046 | 37 |
| 17 | Sumter County | +8.2% | $389,734 | 37 |
| 18 | Osceola County | +7.5% | $363,216 | 41 |
| 19 | Orange County | +7.1% | $405,720 | 40 |
| 20 | Pinellas County | +7.1% | $370,627 | 46 |
| 21 | Hendry County | +6.9% | $278,929 | 41 |
| 22 | Lake County | +6.1% | $365,241 | 56 |
| 23 | Alachua County | +5.1% | $308,496 | 46 |
| 24 | Indian River County | +4.7% | $365,803 | 39 |
| 25 | Hillsborough County | +2.9% | $379,631 | 50 |
| 26 | Gilchrist County | +2.5% | $308,050 | 52 |
| 27 | De Soto County | +0.8% | $252,156 | 39 |
| 28 | Suwannee County | +0.6% | $274,411 | 55 |
| 29 | Pasco County | +0.4% | $332,569 | 65 |
| 30 | Sarasota County | +0.4% | $398,681 | 45 |
| 31 | Columbia County | +0.2% | $271,232 | 52 |
| 32 | Bay County | +0.2% | $345,836 | 37 |
| 33 | Citrus County | +0.2% | $272,823 | 65 |
| 34 | Hernando County | +0.0% | $310,841 | 64 |
| 35 | Volusia County | -0.8% | $324,661 | 44 |
| 36 | Seminole County | -1.0% | $404,154 | 50 |
| 37 | Flagler County | -2.4% | $349,999 | 52 |
| 38 | Polk County | -4.5% | $298,816 | 59 |
| 39 | Marion County | -5.1% | $273,317 | 68 |
| 40 | Dixie County | -5.1% | $222,641 | 53 |
| 41 | Putnam County | -5.1% | $220,798 | 55 |
| 42 | Lee County | -5.7% | $339,372 | 49 |
| 43 | Saint Johns County | -5.7% | $492,726 | 46 |
| 44 | Brevard County | -7.5% | $344,842 | 59 |
| 45 | Leon County | -7.5% | $296,215 | 52 |
| 46 | Charlotte County | -8.3% | $298,142 | 58 |
| 47 | Okaloosa County | -8.5% | $355,824 | 58 |
| 48 | Baker County | -9.1% | $316,707 | 64 |
| 49 | Hardee County | -9.1% | $242,544 | 63 |
| 50 | Madison County | -9.9% | $213,448 | 61 |
| 51 | Lafayette County | -10.1% | $268,477 | 71 |
| 52 | Gadsden County | -10.3% | $203,008 | 67 |
| 53 | Taylor County | -10.8% | $197,489 | 70 |
| 54 | Hamilton County | -10.8% | $209,557 | 45 |
| 55 | Duval County | -11.8% | $296,782 | 58 |
| 56 | Bradford County | -12.4% | $257,301 | 68 |
| 57 | Escambia County | -12.8% | $281,903 | 69 |
| 58 | Washington County | -13.2% | $225,216 | 66 |
| 59 | Highlands County | -13.6% | $236,074 | 76 |
| 60 | Union County | -15.2% | $270,960 | 94 |
| 61 | Holmes County | -18.3% | $194,032 | 57 |
| 62 | Santa Rosa County | -19.5% | $352,252 | 73 |
| 63 | Clay County | -20.5% | $336,835 | 74 |
| 64 | Jackson County | -20.9% | $184,210 | 82 |
| 65 | Wakulla County | -21.1% | $287,920 | 71 |
| 66 | Calhoun County | -21.7% | $180,453 | 71 |
| 67 | Liberty County | -21.9% | $206,422 | 74 |
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 2026-07-06.