Housing affordability index in Florida
Housing affordability index in Florida: puts one number on the housing question: 27.8% of the state's median household income goes to principal and interest on a median-priced home at today's rate.
30-year fixed rate used: 6.76% (observed 2026-09-10, FRED MORTGAGE30US).
Share of income
27.8%
principal + interest
Monthly payment
$1,581
on a $304,396 home
Median income
$68,353
households, ACS 5-year
| Rank | County | Share of income | Monthly P&I |
|---|---|---|---|
| 1 | Monroe County | 54.2% | $3,620 |
| 2 | Miami-Dade County | 37.6% | $2,010 |
| 3 | Collier County | 33.7% | $2,305 |
| 4 | Broward County | 30.9% | $1,811 |
| 5 | Palm Beach County | 30.2% | $1,913 |
| 6 | Sumter County | 28.8% | $1,685 |
| 7 | Martin County | 28.7% | $1,866 |
| 8 | Manatee County | 28.3% | $1,682 |
| 9 | Orange County | 28.2% | $1,709 |
| 10 | Osceola County | 27.6% | $1,481 |
| 11 | Sarasota County | 27.3% | $1,758 |
| 12 | Walton County | 27.2% | $1,698 |
| 13 | Charlotte County | 26.7% | $1,381 |
| 14 | Pinellas County | 26.7% | $1,477 |
| 15 | Alachua County | 26.6% | $1,276 |
| 16 | Flagler County | 26.4% | $1,526 |
| 17 | Indian River County | 26.2% | $1,477 |
| 18 | Lee County | 26.1% | $1,511 |
| 19 | Leon County | 26.1% | $1,334 |
| 20 | Hillsborough County | 26% | $1,532 |
| 21 | St. Lucie County | 26% | $1,433 |
| 22 | St. Johns County | 25.9% | $2,161 |
| 23 | Seminole County | 25.8% | $1,710 |
| 24 | Franklin County | 25.3% | $1,226 |
| 25 | Okaloosa County | 24.9% | $1,534 |
| 26 | Volusia County | 24.8% | $1,306 |
| 27 | Lake County | 24.7% | $1,363 |
| 28 | Brevard County | 24.3% | $1,444 |
| 29 | Duval County | 23.9% | $1,305 |
| 30 | Bay County | 23.3% | $1,282 |
| 31 | Pasco County | 23% | $1,213 |
| 32 | Nassau County | 22.7% | $1,594 |
| 33 | Citrus County | 22.6% | $991 |
| 34 | Hernando County | 22.6% | $1,115 |
| 35 | Polk County | 22.1% | $1,120 |
| 36 | Marion County | 22% | $1,012 |
| 37 | Gulf County | 21.9% | $1,027 |
| 38 | Escambia County | 20.9% | $1,072 |
| 39 | Jefferson County | 20.3% | $871 |
| 40 | Santa Rosa County | 20% | $1,415 |
| 41 | Okeechobee County | 19.6% | $823 |
| 42 | Hendry County | 19.4% | $796 |
| 43 | Clay County | 19.3% | $1,322 |
| 44 | Columbia County | 19.3% | $859 |
| 45 | DeSoto County | 19.3% | $725 |
| 46 | Levy County | 18.9% | $788 |
| 47 | Gadsden County | 18.7% | $713 |
| 48 | Baker County | 18.3% | $1,033 |
| 49 | Gilchrist County | 18.2% | $860 |
| 50 | Highlands County | 18.1% | $810 |
| 51 | Washington County | 18% | $715 |
| 52 | Calhoun County | 17.7% | $613 |
| 53 | Bradford County | 17.5% | $799 |
| 54 | Putnam County | 17.5% | $653 |
| 55 | Wakulla County | 17.2% | $1,032 |
| 56 | Suwannee County | 17.1% | $709 |
| 57 | Hardee County | 16.6% | $617 |
| 58 | Glades County | 15.3% | $474 |
| 59 | Jackson County | 15.3% | $588 |
| 60 | Union County | 14.2% | $759 |
| 61 | Liberty County | 13.7% | $588 |
| 62 | Madison County | 13.3% | $480 |
| 63 | Hamilton County | 13.2% | $524 |
| 64 | Dixie County | 12.9% | $484 |
| 65 | Holmes County | 12.8% | $493 |
| 66 | Lafayette County | 12.8% | $616 |
| 67 | Taylor County | 12% | $464 |
Methodology
Every county figure for Florida uses the county's own median home value and median household income from the Census American Community Survey 5-year estimates, a 20% deposit, and the current 30-year fixed rate from FRED (MORTGAGE30US) amortised over 30 years.
The share shown is annualised principal and interest divided by median household income. Property tax, insurance and HOA dues are excluded so the comparison between counties stays like-for-like.
Counties without both a published home value and a published income are left out entirely rather than filled with an estimate, so the table is shorter than the county list in some states.
Sources: FRED series MORTGAGE30US, Freddie Mac Primary Mortgage Market Survey; U.S. Census Bureau, American Community Survey 5-year estimates. American Community Survey 5-year estimates, 2022.