Market Overview
Home Prices in Mc David, FL
The median home value in Mc David, FL is $294,566 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.7% compared to a year ago and up 0.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Mc David are priced28% below average. Mc David is part of the Pensacola-Ferry Pass-Brent, FL metro area.
Over the past five years, Mc David home values have risen by approximately34.8%, reflecting strong long-term appreciation in this market.
Price History
Mc David Home Price Trend
City Comparison
Mc David vs. National Median
At $294,566, homes in Mc David cost 28% below the national median of $410,000. This makes Mc David a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Mc David?
20% Down Payment
$58,913
on $294,566
Monthly P&I
$1,536/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,951/mo
incl. taxes & insurance
Income Needed
$78,040
gross annual (30% rule)
10% Down Option
$29,457
+ PMI applies
Loan Amount (20% dn)
$235,653
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 Mc David, FL?
The median home value in Mc David is $294,566 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.7% year-over-year.
How much have home prices changed in Mc David?
Over the past year, home values in Mc David have increased by 5.7%. Over five years, prices have risen approximately 34.8%.
How much do I need to earn to buy a home in Mc David?
To comfortably afford the median home price of $294,566 with a 20% down payment ($58,913) at today's rates (6.8%), you'd need a gross annual income of approximately $78,040. This assumes keeping total housing costs at or below 30% of gross income.
How does Mc David compare to the national average home price?
The national median home value is approximately $410,000. At $294,566, homes in Mc David are 28% below the national average.
What metro area is Mc David part of?
Mc David is part of the Pensacola-Ferry Pass-Brent, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.