Florida housing market
Statewide listing data for September 2026, the latest month Realtor.com® Economic Research has published, with two years of history. Checked October 7, 2026.
Florida at a glance
SoutheastSource: Realtor.com® Economic Research (Florida, September 2026). Asking prices and active listings, not closed sales.
What the data says
- There are 9.6% fewer homes for sale in Florida than a year ago.
- The median asking price is down 3.5% from a year ago.
- 20% of active listings have had at least one price reduction.
- The typical listing spends 81 days on the market, 7 days shorter than a year ago.
Repeat sales and appraisals of the same homes, published quarterly with a lag of about two months.
Two-year trend
Median listing price, Florida
| Period | Value |
|---|---|
| 2024-09-01 | $437K |
| 2024-10-01 | $435K |
| 2024-11-01 | $433K |
| 2024-12-01 | $432K |
| 2025-01-01 | $435K |
| 2025-02-01 | $435K |
| 2025-03-01 | $439K |
| 2025-04-01 | $440K |
| 2025-05-01 | $440K |
| 2025-06-01 | $439K |
| 2025-07-01 | $435K |
| 2025-08-01 | $430K |
| 2025-09-01 | $425K |
| 2025-10-01 | $425K |
| 2025-11-01 | $425K |
| 2025-12-01 | $425K |
| 2026-01-01 | $425K |
| 2026-02-01 | $425K |
| 2026-03-01 | $425K |
| 2026-04-01 | $426K |
| 2026-05-01 | $425K |
| 2026-06-01 | $424K |
| 2026-07-01 | $419K |
| 2026-08-01 | $415K |
| 2026-09-01 | $410K |
Homes for sale, Florida
| Period | Value |
|---|---|
| 2024-09-01 | 144K |
| 2024-10-01 | 146K |
| 2024-11-01 | 152K |
| 2024-12-01 | 153K |
| 2025-01-01 | 157K |
| 2025-02-01 | 169K |
| 2025-03-01 | 177K |
| 2025-04-01 | 183K |
| 2025-05-01 | 182K |
| 2025-06-01 | 179K |
| 2025-07-01 | 175K |
| 2025-08-01 | 167K |
| 2025-09-01 | 162K |
| 2025-10-01 | 162K |
| 2025-11-01 | 163K |
| 2025-12-01 | 161K |
| 2026-01-01 | 158K |
| 2026-02-01 | 162K |
| 2026-03-01 | 161K |
| 2026-04-01 | 160K |
| 2026-05-01 | 157K |
| 2026-06-01 | 153K |
| 2026-07-01 | 150K |
| 2026-08-01 | 147K |
| 2026-09-01 | 146K |
Listings follow a seasonal pattern each year; compare a month with the same month a year earlier.
Florida compared with the U.S.
Compare with another state| Measure | Florida | United States |
|---|---|---|
| Median listing price | $409,950 (−3.5% y/y) | $419,250 (−1.4% y/y) |
| Homes for sale | 146,478 (−9.6% y/y) | 1,161,615 (+5.4% y/y) |
| Median days on market | 81 days (−7 days y/y) | 61 days (Unchanged y/y) |
| Listings with a price cut | 20.1% (−0.4 pts y/y) | 20.8% (+0.9 pts y/y) |
| Median list price per sq ft | $249 (−3.8% y/y) | $223 (−1.7% y/y) |
Sources: Realtor.com® Economic Research (Florida, September 2026); Realtor.com® Economic Research (United States, September 2026). “y/y” is the change from the same month a year earlier.
An affordability illustration
Run your own numbersThe inputs
- Median listing price (September 2026)$409,950
- Down payment20% ($81,990)
- Loan amount$327,960
- Rate: 30-year fixed, national (Week of Oct 1, 2026)7.28%
- Median household income, Florida (2025)$77,920
This is an illustration, not a lender calculation. It leaves out property taxes, homeowners insurance, mortgage insurance and HOA dues, which can add several hundred dollars or more a month. The rate is a national average for strong-credit borrowers; your rate may differ.
Sources: Realtor.com® Economic Research (Florida, September 2026); Freddie Mac Primary Mortgage Market Survey, via FRED, Federal Reserve Bank of St. Louis (United States, Week of Oct 1, 2026); U.S. Census Bureau, Current Population Survey, via FRED, Federal Reserve Bank of St. Louis (Florida, 2025).
Editor’s notes on Florida
Written March 2026; conditions may have changedFlorida's market has normalized after the pandemic frenzy, with inventory finally recovering toward healthy levels. The state remains a top relocation destination driven by no income tax, warm weather, and a diversifying economy. Insurance costs have become a significant factor — especially in South Florida and coastal areas — and are increasingly affecting buyer psychology and lending calculations. The inland markets (Orlando, Lakeland, Ocala) offer better value and lower insurance exposure than the coasts.
For buyers
Insurance is the hidden wildcard. Get insurance quotes before making offers — rates in South Florida and coastal areas can add $4,000–$12,000/year to your costs. Inland markets are more insurable and better value.
For sellers
Insurance concerns are creating headwinds in coastal markets. Be prepared for buyers to negotiate based on insurance quotes. Disclose flood zone status proactively and price to account for buyer insurance costs.
These notes are background written by our editors in March 2026, before the data above. Where they differ, the dated figures on this page are more current.