Florida
Local Housing Market · Zillow ZHVI · September 2026
$375,361
Typical Home Value
▼ 0.9% YoY ▲ 0.10% MoM
7.40%
30Y Mortgage Rate
PMMS · Oct 15, 2026
121bps
YoY Rate Change
▲ Higher than 1yr ago
230bps
30Y/10Y Spread
Norm ~170bps
🏘 Florida Home Values
Zillow Home Value Index (ZHVI)
ZillowTypical Home Value
$375,361
▼ 0.9% YoY
Month-over-Month
▲ 0.10% MoM
September 2026
Data Period
September 2026
Updated monthly
Zillow ZHVI · State-level · Smoothed, seasonally adjusted · Updated monthly
📊 National Mortgage Rates
Current Mortgage Rates
Freddie Mac PMMS30Y Fixed
7.40%
PMMS · Oct 15, 2026
15Y Fixed
6.71%
PMMS · Oct 15, 2026
1yr Ago 30Y
6.19%
▲ Rates higher now
30Y/10Y Spread
230bps
Normal · 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 · September 2026
• Inventory is down 9.6% YoY and listing prices are softening 3.5% YoY with 20.1% of listings carrying a price cut. Appraisal risk is lower, but watch for value gaps on pending deals.
• Homes are selling in a median 81 days — a slower market. Pending ratio is 0.29 — moderate demand, purchase timelines are manageable.
• New listings are increasing 3.1% YoY. More sellers entering the market supports purchase loan volume.
Median Listing Price
$409,950
▼ 3.5% YoY
Median Days on Market
81d
0d YoY
Active Listings
146,478
▼ 9.6% YoY
New Listings
39,002
▲ 3.1% YoY
Price Reduced Share
20.1%
of active listings
Pending Ratio
0.29
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) · September 2026
Wildwood-The Villages
▼ COOLING
National rank #147
Median Price
$370,000
Median DOM
67d
Demand score 77/100
Tallahassee
▼ COOLING
National rank #166
Median Price
$344,900
Median DOM
58d
Demand score 42/100
Pensacola-Ferry Pass-Brent
▼ COOLING
National rank #198
Median Price
$360,000
Median DOM
67d
Demand score 47/100
Realtor.com Hotness Index · Metro-level · Higher demand score = more buyer activity relative to supply