Market Overview
Home Prices in Floral City, FL
The median home value in Floral City, FL is $277,277 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.5% compared to a year ago and down 1.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Floral City are priced32% below average. Floral City is part of the Homosassa Springs, FL metro area.
Over the past five years, Floral City home values have risen by approximately37.7%, reflecting strong long-term appreciation in this market.
Price History
Floral City Home Price Trend
City Comparison
Floral City vs. National Median
At $277,277, homes in Floral City cost 32% below the national median of $410,000. This makes Floral City a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Floral City?
20% Down Payment
$55,455
on $277,277
Monthly P&I
$1,446/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,836/mo
incl. taxes & insurance
Income Needed
$73,440
gross annual (30% rule)
10% Down Option
$27,728
+ PMI applies
Loan Amount (20% dn)
$221,822
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 Floral City, FL?
The median home value in Floral City is $277,277 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.5% year-over-year.
How much have home prices changed in Floral City?
Over the past year, home values in Floral City have increased by 1.5%. Over five years, prices have risen approximately 37.7%.
How much do I need to earn to buy a home in Floral City?
To comfortably afford the median home price of $277,277 with a 20% down payment ($55,455) at today's rates (6.8%), you'd need a gross annual income of approximately $73,440. This assumes keeping total housing costs at or below 30% of gross income.
How does Floral City compare to the national average home price?
The national median home value is approximately $410,000. At $277,277, homes in Floral City are 32% below the national average.
What metro area is Floral City part of?
Floral City is part of the Homosassa Springs, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.