The typical owner-occupied home in Ponce De Leon is worth about $123,800, 66% below the Florida median of $359,000 and 63% below the national median of $332,700. Owners pay a median $914 a year in property taxes, about 0.74% of their home's value, close to the Florida rate of 0.76%. The median household earns $77,798 a year, so the median home costs 1.6 times the median income (4.8 times for Florida). 74% of occupied homes here are lived in by their owners, and 37% of those owners still have a mortgage.
Ponce De Leon at a glance
| Ponce De Leon | Florida | U.S. | |
|---|---|---|---|
| Median home value | $123,800 | $359,000 | $332,700 |
| Median property tax paid per year | $914 | $2,730 | $3,119 |
| Property tax as a share of value | 0.74% | 0.76% | 0.94% |
| Median household income | $77,798 | $74,568 | $80,734 |
| Homes lived in by their owners | 74% | 68% | 65% |
| Owner homes with a mortgage | 37% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,155 | $1,959 | $1,963 |
| Those costs as a share of the owners' income | 23.4% | 23.6% | 21.0% |
| Median rent | – | $1,669 | $1,413 |
| Rent as a share of renters' income | 32.5% | 35.2% | 30.6% |
| Median year homes were built | 1989 | 1988 | 1980 |
| Vacant homes | 23.2% | 14.7% | 10.1% |
| Population | 780 | 22,416,077 | 334,922,499 |
What a typical home costs per month in Ponce De Leon
At this week's average 30-year rate of 7.11%, buying the median Ponce De Leon home of $123,800 with 20% down costs about $794 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,000, 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 $34,036 for the 20%-down payment. That payment is 12% of the median Ponce De Leon household income of $77,798; at that income and 20% down, the 28% guideline points to a home of about $283,000.
| Down payment | $24,760 |
|---|---|
| Loan amount | $99,040 |
| Principal and interest | $666 |
| Property taxes (0.74% a year) | $76 |
| Homeowners insurance (our estimate, 0.5% a year) | $52 |
| PMI | $0 |
| Total per month | $794 |
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| Down payment | $4,333 |
|---|---|
| Loan amount | $121,558 |
| Principal and interest | $818 |
| Property taxes (0.74% a year) | $76 |
| Homeowners insurance (our estimate, 0.5% a year) | $52 |
| FHA mortgage insurance | $55 |
| Total per month | $1,000 |
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Questions about home buying in Ponce De Leon
What is the median home value in Ponce De Leon?
About $123,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Ponce De Leon?
Homeowners pay a median $914 a year, which is about 0.74% 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 Ponce De Leon?
For the median home with 20% down at 7.11%, the payment is about $794 a month. Keeping that under 28% of gross income takes about $34,036 a year.
More about Ponce De Leon
- Mortgage Refinance in Ponce De Leon
- Debt Relief in Ponce De Leon
- Home Equity Loans in Ponce De Leon
- 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