Florida
Local Housing Market · Zillow ZHVI · July 2026
$378,167
Typical Home Value
▼ 2.2% YoY ▼ 0.06% MoM
6.65%
30Y Mortgage Rate
PMMS · Aug 20, 2026
9bps
YoY Rate Change
▲ Higher than 1yr ago
195bps
30Y/10Y Spread
Norm ~170bps
🏘 Florida Home Values
Zillow Home Value Index (ZHVI)
ZillowTypical Home Value
$378,167
▼ 2.2% YoY
Month-over-Month
▼ 0.06% MoM
July 2026
Data Period
July 2026
Updated monthly
Zillow ZHVI · State-level · Smoothed, seasonally adjusted · Updated monthly
📊 National Mortgage Rates
Current Mortgage Rates
Freddie Mac PMMS30Y Fixed
6.65%
PMMS · Aug 20, 2026
15Y Fixed
5.95%
PMMS · Aug 20, 2026
1yr Ago 30Y
6.56%
▲ Rates higher now
30Y/10Y Spread
195bps
Tight · norm ~170bps
Freddie Mac PMMS via FRED · National rates · State-specific rates may vary slightly
📋 Realtor.com Market Data · Florida
Market Indicators
REALTOR.COM🏦 LO Market Signal · July 2026
• Inventory is down 14.1% YoY and listing prices are softening 3.7% YoY with 19.4% of listings carrying a price cut. Appraisal risk is lower, but watch for value gaps on pending deals.
• Homes are selling in a median 80 days — a slower market. Pending ratio is 0.31 — moderate demand, purchase timelines are manageable.
• New listings are increasing 2.1% YoY. More sellers entering the market supports purchase loan volume.
Median Listing Price
$419,000
▼ 3.7% YoY
Median Days on Market
80d
0d YoY
Active Listings
150,062
▼ 14.1% YoY
New Listings
39,044
▲ 2.1% YoY
Price Reduced Share
19.4%
of active listings
Pending Ratio
0.31
pending ÷ active
Realtor.com Research · State-level inventory data · Updated monthly
Hottest Markets in Florida
REALTOR.COMTop metros by national hotness rank (supply + demand composite) · July 2026
Wildwood-The Villages
▼ COOLING
National rank #157
Median Price
$374,900
Median DOM
69d
Demand score 74/100
Tallahassee
▼ COOLING
National rank #162
Median Price
$342,900
Median DOM
55d
Demand score 44/100
Pensacola-Ferry Pass-Brent
▼ COOLING
National rank #182
Median Price
$365,000
Median DOM
63d
Demand score 51/100
Realtor.com Hotness Index · Metro-level · Higher demand score = more buyer activity relative to supply