67.6%
of Florida housing units were owner-occupied
This is the statewide owner-occupancy rate for 2020 through 2024. It describes occupied homes, not every housing unit in the state.
Source: U.S. Census Bureau, 2020-2024 American Community SurveyFlorida housing reference
Florida Mortgage and Homebuying Statistics
A practical, source-led snapshot of the housing and mortgage figures shaping Florida homebuying in 2026.
Last updated August 21, 2026
Florida homebuying at a glance
Florida is not one housing market, and statewide figures cannot predict the cost or availability of a specific home. They can, however, give buyers, writers, and local businesses a grounded starting point for understanding the wider market.
Each figure below is linked to its original source and dated to the reporting period it represents. Mortgage rates change weekly; sales figures and household benchmarks update on different schedules.
The numbers
Florida mortgage and homebuying facts
Use the linked source beside each statistic for the full definition, geography, and reporting method.
$359,000
was the median value of owner-occupied homes
This statewide Census measure covers 2020 through 2024 and is not the same as the price of homes sold in a recent quarter.
Source: U.S. Census Bureau, 2020-2024 American Community Survey$1,959
was the median monthly owner cost for homes with a mortgage
The figure includes selected monthly owner costs reported by Florida households with a mortgage during 2020 through 2024.
Source: U.S. Census Bureau, 2020-2024 American Community Survey178,297
building permits were issued in Florida in 2025
Permits are a useful sign of housing construction activity, but a permit does not guarantee that a home has been completed or sold.
Source: U.S. Census Bureau, 2025 building-permit data$425,000
was the median sale price for Florida single-family homes in July 2026
Half of reported single-family sales closed above this price and half closed below it during the month.
Source: Florida Realtors, July 2026 statewide single-family market detail23,870
Florida single-family home sales closed in July 2026
That was 5.1% higher than July 2025, based on statewide multiple-listing-service data.
Source: Florida Realtors, July 2026 statewide single-family market detail26.2%
of Florida single-family sales were paid in cash in July 2026
The remaining closed sales involved some form of financing, seller financing, or an assumed loan.
Source: Florida Realtors, July 2026 statewide single-family market detail47 days
was the median time from listing to contract for Florida single-family sales in July 2026
This measures the time between a listing date and the contract that led to a closed sale.
Source: Florida Realtors, July 2026 statewide single-family market detail97,741
single-family listings were active in Florida at the end of July 2026
This is a count of properties still listed for sale on the last day of the month, not the number of homes sold.
Source: Florida Realtors, July 2026 statewide single-family market detail4.5 months
was Florida's supply of single-family inventory in July 2026
Florida Realtors estimates this from active listings and the recent pace of sales. It is a statewide measure, not a forecast for an individual neighborhood.
Source: Florida Realtors, July 2026 statewide single-family market detail96.0%
was the median share of original list price received in July 2026
For the middle sale in the data set, the final sale price was 96.0% of the original list price. Individual homes can vary widely.
Source: Florida Realtors, July 2026 statewide single-family market detail6.65%
was the average U.S. 30-year fixed mortgage rate on August 20, 2026
This weekly national survey is a useful benchmark, not a quote or promise of the rate available to any individual borrower.
Source: Freddie Mac Primary Mortgage Market Survey, August 20, 2026What these figures do and do not tell you
Median sale prices, household costs, and mortgage-rate averages are useful context. They are not a payment estimate, approval decision, or guarantee of a rate. A real homebuying plan also depends on the property, taxes, insurance, credit, income, assets, debts, loan type, and timing.
For a clearer look at the questions that shape a mortgage conversation, explore our homebuyer guidance or speak with a Florida mortgage professional.
Methodology and sources
How this reference is maintained
U.S. Census Bureau
Statewide owner-occupancy, owner-occupied home value, monthly owner costs, and building-permit figures. Household measures use the 2020-2024 American Community Survey; permits cover 2025.
Review the Florida QuickFacts sourceFlorida Realtors
Statewide July 2026 single-family sales, median sale price, cash-sale share, time-to-contract, inventory, months of supply, and list-price figures drawn from Florida multiple-listing-service data.
Review the July 2026 market reportFreddie Mac
Weekly national 30-year fixed-rate benchmark from the Primary Mortgage Market Survey, dated August 20, 2026.
Review the mortgage-rate surveyThis page is reviewed about monthly, or sooner when a key source publishes a newer release. Links and anchors are kept stable so references remain usable over time.