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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Zolfo Springs, FL Housing Affordability Index

Zolfo Springs, Florida has an MBR Housing Affordability Index score of 185.1 (Highly Affordable) as of October 30, 2026, ranking 21st most affordable of 479 scored Florida cities, compared with 92.5 statewide and 97.4 nationally. On a median-priced $115,100 home with 20% down, the Florida average 30-year fixed rate of 7.14% means a monthly principal and interest payment of about $621, or 12% of the city’s $60,946 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Zolfo Springs is updated every night from live Florida mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Zolfo Springs MBR-HAI 185.1 Highly Affordable
Rank in Florida 21 of 479 1 = most affordable
Florida 92.5 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.14% Florida lenders
Median home value $115,100 U.S. Census Bureau

Zolfo Springs is 92.6 points above the Florida score. Scores as of October 30, 2026. See the Florida index

View Zolfo Springs Mortgage Rates

What It Takes to Buy in Zolfo Springs

$621/mo
Principal & Interest
Median home, 20% down, 7.14%
$26,600
Income Needed
To keep the payment at 28% of income
$60,946
Median Household Income
Florida: $74,568
1.9x
Price-to-Income Ratio
Florida: 4.8x
$480/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,101/yr
Median Property Tax
0.96% of median value
21.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
39.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Zolfo Springs, Florida. The rate is the Florida average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Zolfo Springs Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Zolfo Springs, Florida score: 185.1 (Highly Affordable), ranked 21 of 479 Florida cities. monitorbankrates.com/housing-affordability-index/florida/zolfo-springs”