Fort White, FL—32038
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Fort White, FL
As of Oct '25, the median home price in Fort White, FL is $305,000, with a year-over-year change of -1.0%. This indicates that home prices in Fort White, FL are decreasing. According to Zillow, the 1-year price projection is 1.7%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $305,000 | -1.0% |
| Single Family | $305,000 | -1.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $155,000 | -7.7% |
2 Bed | $241,000 | -4.4% |
3 Bed | $335,000 | -0.6% |
4 Bed | $413,000 | -1.0% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Fort White, FL
As of July '25, Rentcast reports the average rent in Fort White, FL is $1,760, with a year-over-year rent change of 15.8%. Per bedroom, the median rent as of July '25 in Fort White, FL is 3-bedrooms: $1,680, 4-bedrooms: $2,000. The most common rental property sizes in Fort White, FL are 3-bedroom and 2-bedroom, accounting for 49.5% and 17.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,750 | $1,760 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $1,750 | $1,680 |
| 4 Bed Rent | $2,000 | $2,000 |
% of Rental Stock
Property Listings — Fort White, FL
As of Oct '25, Realtor.com reports that the median days on market for a home in Fort White, FL is 82. This is a decrease of -3.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 29.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $437,000 | 3.0% |
Listing Count | 28 | 64.0% |
| Listings as % of Homes | 0.3% | 64.0% |
Days on Market | 82 | -3.0% |
Demographics — Fort White, FL
As of the latest ACS Survey released in 2023, Fort White, FL has a population of 10,000, which has remained stable by -0.7% over the past 5 years. Fort White, FL is a moderately popular place for families, as children make up 20.0% of the population. The area has a poorly educated workforce, with 15.4% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 10.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 10,000 | -0.7% |
% Under 18 | 20.0% | 2.6% |
% Seniors | 22.9% | 18.0% |
% WFH | 10.3% | 415.0% |
% w/ College Degree | 15.4% | 9.2% |
As of the latest ACS Survey released in 2023, Fort White, FL is a predominantly white area, with 82.7% of the population identifying as white. The white population has shrunk by 2.5% in the last 5 years. The second most common race or ethnicity in Fort White, FL is hispanic, making up 6.9% of the population. Foreign-born residents account for 3.8% of the population in Fort White, FL, and this percentage has decreased by 5.0% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 82.7% | -2.5% |
% Black | 6.3% | -1.6% |
% Hispanic | 6.9% | 40.8% |
% Asian | 0.8% | -27.3% |
% Foreign Born | 3.8% | -5.0% |
Mortgage and Risk — Fort White, FL
According to HUD data as of 2023, there were 170 mortgage originations in Fort White, FL, of which 78.0% of loans were conventional mortgages. The average loan-to-value was 72.0%, with 35.0% above 90% LTV (very high). This implies large mortgage risk in Fort White, FL. Investor activity is low, as 1.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 170 |
% Conventional Loans | 78.0% |
% Government Loans | 22.0% |
% Investor Loans | 1.0% |
% Second Loans | 5.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Fort White, FL
Fort White, FL lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 5 |
Total Units Section 8 | 5 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $780 |
| 2 Bedroom | N/A | N/A | $1,020 |
| 3 Bedroom | -$510 | $1,750 | $1,240 |
| 4 Bedroom | -$650 | $2,000 | $1,350 |
Affordability — Fort White, FL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.8 |
| Median Home Price | $305,000 |
| Median Household Income | $58,100 |