The typical owner-occupied home in Geneva is worth about $520,400, 45% above the Florida median of $359,000 and 56% above the national median of $332,700. Owners pay a median $3,636 a year in property taxes, about 0.70% of their home's value, lower than the Florida rate of 0.76%. The median household earns $132,981 a year, so the median home costs 3.9 times the median income (4.8 times for Florida). 97% of occupied homes here are lived in by their owners, and 71% of those owners still have a mortgage.
Geneva at a glance
| Geneva | Florida | U.S. | |
|---|---|---|---|
| Median home value | $520,400 | $359,000 | $332,700 |
| Median property tax paid per year | $3,636 | $2,730 | $3,119 |
| Property tax as a share of value | 0.70% | 0.76% | 0.94% |
| Median household income | $132,981 | $74,568 | $80,734 |
| Homes lived in by their owners | 97% | 68% | 65% |
| Owner homes with a mortgage | 71% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $2,477 | $1,959 | $1,963 |
| Those costs as a share of the owners' income | 17.6% | 23.6% | 21.0% |
| Median rent | – | $1,669 | $1,413 |
| Median year homes were built | 1993 | 1988 | 1980 |
| Vacant homes | 3.8% | 14.7% | 10.1% |
| Population | 3,441 | 22,416,077 | 334,922,499 |
What a typical home costs per month in Geneva
At this week's average 30-year rate of 7.11%, buying the median Geneva home of $520,400 with 20% down costs about $3,321 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $4,188, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $142,329 for the 20%-down payment. That payment is 30% of the median Geneva household income of $132,981; at that income and 20% down, the 28% guideline points to a home of about $486,000.
| Down payment | $104,080 |
|---|---|
| Loan amount | $416,320 |
| Principal and interest | $2,801 |
| Property taxes (0.70% a year) | $304 |
| Homeowners insurance (our estimate, 0.5% a year) | $217 |
| PMI | $0 |
| Total per month | $3,321 |
Change the numbers in the calculator
| Down payment | $18,214 |
|---|---|
| Loan amount | $510,974 |
| Principal and interest | $3,437 |
| Property taxes (0.70% a year) | $304 |
| Homeowners insurance (our estimate, 0.5% a year) | $217 |
| FHA mortgage insurance | $230 |
| Total per month | $4,188 |
Change the numbers in the calculator
Questions about home buying in Geneva
What is the median home value in Geneva?
About $520,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Geneva?
Homeowners pay a median $3,636 a year, which is about 0.70% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Geneva?
For the median home with 20% down at 7.11%, the payment is about $3,321 a month. Keeping that under 28% of gross income takes about $142,329 a year.
More about Geneva
- Mortgage Refinance in Geneva
- Debt Relief in Geneva
- Home Equity Loans in Geneva
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data