What's a healthy ratio in Florida?

Under 3.0 is considered affordable; 3.0-4.0 moderate; 4.0-5.0 seriously unaffordable; over 5.0 severely unaffordable.

Does this account for interest rates?

No, price-to-income is rate-agnostic so it stays comparable across cycles.

What if my income is higher?

Your personal ratio matters more than the market median. Use it as a relative comparison.

Buyer authority FL

Most affordable cities for home buyers in Florida.

Affordability = how many years of household income buys the median home. This ranks Florida cities by price-to-income ratio (lower = more affordable).

Last updated September 2026

Florida ranking

50 cities ranked. Click any row for the matching local page.

#	City	Price-to-income ratio	Score
1	Immokalee	6.9x income	18	View →
2	Miami	6.8x income	20	View →
3	Pahokee	6.6x income	23	View →
4	Orlando	6.5x income	25	View →
5	Jacksonville	6.5x income	25	View →
6	Fort Lauderdale	6.5x income	25	View →
7	Tampa	6.5x income	25	View →
8	Port Richey	6.4x income	26	View →
9	Hialeah	6.3x income	29	View →
10	Holiday	6.3x income	29	View →
11	Live Oak	6.2x income	29	View →
12	Crescent City	6.3x income	29	View →
13	Opa Locka	6.2x income	30	View →
14	Pompano Beach	6.2x income	31	View →
15	Hollywood	6.2x income	31	View →
16	Saint Petersburg	6.2x income	31	View →
17	West Palm Beach	6.2x income	31	View →
18	Tallahassee	6.2x income	31	View →
19	Pensacola	6.2x income	31	View →
20	Lakeland	6.2x income	31	View →
21	Kissimmee	6.2x income	31	View →
22	Sarasota	6.2x income	31	View →
23	Lake Worth	6.2x income	31	View →
24	Bradenton	6.2x income	31	View →
25	Fort Myers	6.2x income	31	View →
26	Ocala	6.2x income	31	View →
27	Gainesville	6.2x income	31	View →
28	Port Saint Lucie	6.2x income	31	View →
29	Clearwater	6.2x income	31	View →
30	Homestead	6.2x income	31	View →
31	Cape Coral	6.2x income	31	View →
32	Boynton Beach	6.2x income	31	View →
33	Melbourne	6.2x income	31	View →
34	Panama City	6.2x income	31	View →
35	Spring Hill	6.2x income	31	View →
36	Saint Augustine	6.2x income	31	View →
37	New Port Richey	6.2x income	31	View →
38	Delray Beach	6.2x income	31	View →
39	Vero Beach	6.2x income	31	View →
40	Palm Bay	6.2x income	31	View →
41	Largo	6.2x income	31	View →
42	Arcadia	6.2x income	31	View →
43	Old Town	6.1x income	31	View →
44	Haines City	6.1x income	32	View →
45	Quincy	6.1x income	32	View →
46	Avon Park	6.1x income	32	View →
47	Interlachen	6.1x income	32	View →
48	Blountstown	6.0x income	33	View →
49	Homosassa	5.9x income	34	View →
50	Fort Mc Coy	6.0x income	34	View →

Methodology

Ratio = estimated home value ÷ average household income (Census ACS). Demographia bands (under 3.0 affordable, over 5.0 severely unaffordable) are designed around medians, so treat these as directional. Cities whose true median home value likely exceeds the dataset's modeled value (e.g. SF Bay, Manhattan) are flagged in their state pages.

FAQ

What's a healthy ratio in Florida?: Under 3.0 is considered affordable; 3.0-4.0 moderate; 4.0-5.0 seriously unaffordable; over 5.0 severely unaffordable.
Does this account for interest rates?: No, price-to-income is rate-agnostic so it stays comparable across cycles.
What if my income is higher?: Your personal ratio matters more than the market median. Use it as a relative comparison.