Market Overview
Home Prices in Youngstown, FL
The median home value in Youngstown, FL is $278,531 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.5% compared to a year ago and down 3.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Youngstown are priced32% below average. Youngstown is part of the Panama City, FL metro area.
Over the past five years, Youngstown home values have risen by approximately21.9%, reflecting strong long-term appreciation in this market.
Price History
Youngstown Home Price Trend
City Comparison
Youngstown vs. National Median
At $278,531, homes in Youngstown cost 32% below the national median of $410,000. This makes Youngstown a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Youngstown?
20% Down Payment
$55,706
on $278,531
Monthly P&I
$1,453/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,845/mo
incl. taxes & insurance
Income Needed
$73,800
gross annual (30% rule)
10% Down Option
$27,853
+ PMI applies
Loan Amount (20% dn)
$222,825
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 Youngstown, FL?
The median home value in Youngstown is $278,531 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 Youngstown?
Over the past year, home values in Youngstown have increased by 1.5%. Over five years, prices have risen approximately 21.9%.
How much do I need to earn to buy a home in Youngstown?
To comfortably afford the median home price of $278,531 with a 20% down payment ($55,706) at today's rates (6.8%), you'd need a gross annual income of approximately $73,800. This assumes keeping total housing costs at or below 30% of gross income.
How does Youngstown compare to the national average home price?
The national median home value is approximately $410,000. At $278,531, homes in Youngstown are 32% below the national average.
What metro area is Youngstown part of?
Youngstown is part of the Panama City, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.