Market Overview
Home Prices in Ponce de Leon, FL
The median home value in Ponce de Leon, FL is $234,159 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.7% compared to a year ago and down 1.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ponce de Leon are priced43% below average. Ponce de Leon is part of the Crestview-Fort Walton Beach-Destin, FL metro area.
Over the past five years, Ponce de Leon home values have risen by approximately19.4%, reflecting steady appreciation in this market.
Price History
Ponce de Leon Home Price Trend
City Comparison
Ponce de Leon vs. National Median
At $234,159, homes in Ponce de Leon cost 43% below the national median of $410,000. This makes Ponce de Leon a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Ponce de Leon?
20% Down Payment
$46,832
on $234,159
Monthly P&I
$1,221/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,551/mo
incl. taxes & insurance
Income Needed
$62,040
gross annual (30% rule)
10% Down Option
$23,416
+ PMI applies
Loan Amount (20% dn)
$187,327
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 Ponce de Leon, FL?
The median home value in Ponce de Leon is $234,159 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.7% year-over-year.
How much have home prices changed in Ponce de Leon?
Over the past year, home values in Ponce de Leon have increased by 2.7%. Over five years, prices have risen approximately 19.4%.
How much do I need to earn to buy a home in Ponce de Leon?
To comfortably afford the median home price of $234,159 with a 20% down payment ($46,832) at today's rates (6.8%), you'd need a gross annual income of approximately $62,040. This assumes keeping total housing costs at or below 30% of gross income.
How does Ponce de Leon compare to the national average home price?
The national median home value is approximately $410,000. At $234,159, homes in Ponce de Leon are 43% below the national average.
What metro area is Ponce de Leon part of?
Ponce de Leon is part of the Crestview-Fort Walton Beach-Destin, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.