The median home in Cedar Key, Florida is valued at $309,909, down 9.6% year over year. Cedar Key is part of the Gainesville, FL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$309,909

-9.6%

Prices falling — better for buyers.

Affordability

Enter your income for Cedar Key.

Income (annual)

Down Payment

$61,982 on $309,909

Example: $75,000 household income. Change it above to see your own.

Stretch34.2% of income

Above 28% but manageable with cuts.

PITI$2,139

P/I34.2%

Afford$254K

Gap-$56K

P&I $1,567Tax $222Ins $350

6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Florida

Compare Cedar Key with other housing markets across Florida.

Jupiter Island$9.49M Golden Beach$7.5M Fisher Island$6.39M Lake Buena Vista$6.09M Jupiter Inlet Colony$3.62M Manalapan$3.57M Golf$2.87M Boca Grande$2.63M

Full Gainesville, FL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Gainesville, FL metro.

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Cedar Key, FL