The median home in Gainesville, Florida is valued at $289,050, down 3.0% year over year. Typical monthly rent is $1,634, producing a price-to-rent ratio of 14.7x — below the national average of 18x. Gainesville is part of the Gainesville, FL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Gainesville, FL stress score, crash risk, and 12-month forecast →

Home Value$289,050

-3.0%

Rent$1,634/mo

AFFORDABILITY

Enter your income for Gainesville.

Income (annual)

Down Payment

$57,810 on $289,050

Stretch — 32.3% of income

Above 28% but manageable with cuts.

PITI$2,019

P/I32.3%

Afford$251K

Gap-$39K

P&I $1,462Tax $207Ins $350

Renting $385/mo cheaper ($1,634 rent)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 Gainesville with other housing markets across Florida.

Jupiter Island$9494K Golden Beach$7499K Fisher Island$6393K Lake Buena Vista$6088K Jupiter Inlet Colony$3619K Manalapan$3569K Golf$2871K Boca Grande$2635K

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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GAINESVILLE, FL