What Is My Home Worth in Florida

Start with where your county and city sit

The same three-bedroom house can be worth twice as much one county over. Typical home values in the Zillow data run from $166,734 in Calhoun County and $179,815 in Jackson County to $552,087 in Collier, $660,738 in Walton and $962,885 in Monroe. Among the big metro counties: Duval $294,079, Hillsborough $375,501, Pinellas $368,917, Orange $400,964, Broward $422,344, Palm Beach $475,754, Miami-Dade $523,240.

City figures are just as spread out. Typical values are $284,832 in Jacksonville, $334,660 in Cape Coral, $372,775 in Orlando, $509,743 in Fort Lauderdale, $580,267 in Boca Raton and $583,705 in Miami. These are midpoints for whole areas. They tell you the neighborhood of your answer, not the answer.

How accurate is a Zillow estimate in Florida

Automated valuation models, including Zillow's Zestimate and similar tools from other sites, use public records, recent sales and listing data to estimate a value. They do well on newer homes in subdivisions with many similar sales. Zillow itself publishes error rates and notes that estimates are less accurate for homes that aren't currently listed for sale.

In Florida, the gaps are predictable. An algorithm usually doesn't know:

• Roof age and type. A new roof can be the difference between an easy insurance quote and a hard one.
• Flood zone and elevation at the actual lot, and whether the house has flooded.
• Interior condition and updates such as impact windows, a remodeled kitchen or a new AC system.
• Water and view. Canal, lake and open-water frontage often aren't priced well from public records alone.
• Condo building issues: assessments, reserve funding, milestone inspection results, and whether lenders will finance units.

Use the online number as a range check. If it is far from what local sales suggest, the local sales win.

Florida features that move value up or down

Buyers in Florida think about the monthly cost of ownership as much as the price, and insurance is now a large part of it. That makes some features worth more here than elsewhere:

• Roof: age, material and permit history.
• Wind mitigation features: impact windows or shutters, roof-to-wall attachments, roof shape. A wind mitigation report documents them and can lower premiums.
• Flood zone: homes in A or V zones with a mortgage need flood insurance, which reduces what some buyers can pay.
• Systems: electrical panel, plumbing type and AC age, which a 4-point inspection checks on older homes.
• Ongoing charges: HOA dues and CDD assessments, which buyers fold into affordability.
• Pool and outdoor space, which buyers in most Florida markets value.

Two homes with the same square footage on the same street can differ meaningfully in value because one has a new roof and impact windows and the other doesn't.

The property appraiser's value is not your market value

Your county property appraiser's website shows a just value and an assessed value. Neither is a sale price. Just value is a mass-appraisal estimate as of January 1, often behind the market. Assessed value for a homestead can be far lower because Save Our Homes caps annual increases at 3% or the change in CPI, whichever is lower. Long-time owners often see an assessed value that is a fraction of what their house would sell for.

This matters for buyers too: the assessment resets to market value after a sale, so a buyer's tax bill will be higher than yours. When buyers ask why they should pay your price when the county says less, the answer is that the county's figure isn't built for that purpose.

How a real valuation is built

A comparative market analysis (CMA) from an agent, or an appraisal from a licensed appraiser, starts with closed sales of similar homes nearby, ideally from the last few months and from the same subdivision or building. Each comparable is adjusted for differences: size, bedrooms and baths, lot, pool, water, roof age, condition, garage. Active and pending listings show competition, but closed sales show what buyers actually paid.

A lender's appraiser does essentially the same thing after you accept an offer, and a financed buyer's loan depends on it. If your price is well above what the comparable sales support, the appraisal is where it gets corrected.

Good comparables are close in every sense: same area, similar age and size, sold recently, and under similar conditions. A sale between relatives, a short sale, or a house sold as is with major damage tells you little about a well-kept home and should be set aside or adjusted heavily. When there are few sales in your subdivision, the analysis widens to nearby areas with similar buyers, and the adjustments carry more weight, which is why two honest valuations can differ by a few percent.

Read your value against the recent trend

Statewide, values climbed from $316,452 in September 2021 to a peak of $403,220 in June 2024, and now sit at $375,361. That is 18.6% higher than five years ago and about 6.9% below the peak. Single-family homes are about 6% off their high; condos about 16%.

Owners who remember what a neighbor got in 2024 often expect that number today. For most of the state the market has moved since then, and a comparable sale from the peak needs a downward adjustment. The reverse is also true: if you bought before 2021, your home is very likely worth much more than you paid, even after the pullback.

The condo and house gap varies a lot by city. In Pembroke Pines the typical condo value is $187,128 against $486,731 for all homes, while in Palm Coast condos ($352,336) are valued slightly above the overall market ($343,894). Your property type can matter as much as your city when you read these figures.

What to have ready for an accurate number

• Year and permit for the roof, AC and water heater.
• Any wind mitigation or 4-point report.
• Flood zone, elevation certificate and flood claim history.
• A list of improvements since you bought, with dates and costs.
• HOA or CDD amounts, and for condos the latest budget, assessments and inspection status.
• Known issues you would need to disclose.

With those details, a valuation can move from a broad range to a defensible price. The home-valuation form on this page asks for the basics and gives you a number based on local closed sales.