Florida Home Values in 2026: What Sellers Need to Know Right Now

Quick Answer: Florida single-family home values in 2026 are down 3-8% from their 2022 peak. Condo values are down 12-25% depending on building age and Milestone assessment status. Insurance costs have doubled since 2020. Rental yields have compressed. The sellers doing best in 2026 are those exiting before more downward pressure hits.

Where Values Have Dropped Most

Miami-Dade condos in 30+ year-old buildings: down 20-40% due to SB 4-D assessments. Cape Coral / Lee County single-family: down 8-15% post-Ian. Tampa Bay coastal single-family: down 5-12% post-Helene. Panhandle beachfront: mixed, some still up from 2021 lows.

Where Values Are Holding

Central Florida (Orlando, Kissimmee, Ocala): flat to +2% year-over-year. Non-coastal North Florida (Jacksonville, Gainesville): stable. Higher-elevation Georgia border areas: modest gains.

The Insurance Factor

Homeowners insurance in Florida has doubled since 2020. This affects both what buyers can afford and what your house is worth. A property with declined insurance coverage sells for 15-30% less than a comparable property with clean coverage.

What This Means for Sellers

If you are in a category that is losing value (older condo, coastal single-family, second home), waiting typically loses money. If you are in a stable category, timing is less urgent — but the trend is not going up. Consult with a cash buyer for a market check.

Get a Straight-Answer Cash Offer From Homeinc

Call (888) 850-2636 or fill out the form. Written offer in 24-48 hours.

Frequently Asked Questions

How fast can Homeinc close?

We close in 7-14 days from your acceptance of our written offer. No financing, no appraisal, no inspection contingency.

What fees does Homeinc charge?

Zero. No agent commissions, no closing costs to you, no inspection or appraisal fees. Our offer is what you receive at closing.

Is Homeinc a real company?

Yes. Homeinc has been buying houses in Florida since 2013. A+ BBB rating, 950+ Google reviews (4.9 stars), physical office in Fort Lauderdale. Call (888) 850-2636 and speak to a real person.