Market Overview
Home Prices in Apalachicola, FL
The median home value in Apalachicola, FL is $300,375 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 3.7% compared to a year ago and down 7.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Apalachicola are priced27% below average.
Over the past five years, Apalachicola home values have risen by approximately10.1%, reflecting steady appreciation in this market.
Price History
Apalachicola Home Price Trend
2020
$228,323
$228K
—
2021
$272,779
$273K
+19.5%
2022
$330,725
$331K
+21.2%
2023
$322,997
$323K
-2.3%
2024
$336,248
$336K
+4.1%
2025
$311,931
$312K
-7.2%
2026
$300,375
$300K
-3.7%
City Comparison
Apalachicola vs. National Median
🏠 Apalachicola
$300,375
National Median
$410,000
At $300,375, homes in Apalachicola cost 27% below the national median of $410,000. This makes Apalachicola a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Apalachicola?
20% Down Payment
$60,075
on $300,375
Monthly P&I
$1,567/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,990/mo
incl. taxes & insurance
Income Needed
$79,600
gross annual (30% rule)
10% Down Option
$30,038
+ PMI applies
Loan Amount (20% dn)
$240,300
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Apalachicola, FL?
The median home value in Apalachicola is $300,375 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 3.7% year-over-year.
How much have home prices changed in Apalachicola?
Over the past year, home values in Apalachicola have decreased by 3.7%. Over five years, prices have risen approximately 10.1%.
How much do I need to earn to buy a home in Apalachicola?
To comfortably afford the median home price of $300,375 with a 20% down payment ($60,075) at today's rates (6.8%), you'd need a gross annual income of approximately $79,600. This assumes keeping total housing costs at or below 30% of gross income.
How does Apalachicola compare to the national average home price?
The national median home value is approximately $410,000. At $300,375, homes in Apalachicola are 27% below the national average.