Sep 2026
$321K
+0.4% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Gainesville, FL housing market
Gainesville, FL metro median sale price $321K in Sep 2026, up 0.4% year over year. Also days on market, price cuts, affordability and ZIP-code figures.
The median sale price in the Gainesville, FL metro is $321K as of Sep 2026, up 0.4% from a year earlier. FHFA's repeat-sales index for the metro agrees within 0.8 points (up 1.2% through Q2 2026).
On median sale price, Gainesville ($321K) ranks 17th of the 22 Florida metros Pecan Street tracks, between Punta Gorda ($328K) and Lakeland ($314K). On median days on market, Gainesville (82 days) ranks 10th of the 22 Florida metros, between Miami / Fort Lauderdale (85 days) and Lakeland (80 days). On share of listings with a price cut, Gainesville (34%) ranks 8th of the 22 Florida metros, between Daytona Beach (35%) and Ocala (34%).
Listings spent a median 82 days on market in Sep 2026, the 27th-most of the 385 U.S. metros Pecan Street ranks on this measure. 34% of active listings carry a price cut, 0.3 points more than a year earlier. That share is lower than in most of the 385 metros. Median asking prices sit about 4% above the median sale price.
At the 7.29% 30-year fixed rate with 20% down, principal and interest on a median-priced home come to $1,757 a month; at 28% of gross income, that takes about $75K a year. The median sale price equals about 15 years of HUD Fair Market Rent, a ratio up 3.8% from a year earlier. Active listings ask a median $205 per square foot, down 3.7% from a year earlier.
In eight of the 12 ZIP codes in the table below, median list prices are lower than a year earlier; four are higher.
Headline
Oct 15, 2026
7.29%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$1,757/mo
$75K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How Gainesville compares to other U.S. metros
| Days on market | ↑27th of 385 (top 8%) |
|---|---|
| Home-price growth | ↓261st of 383 |
| Price cuts | ↓248th of 385 |
| Asking-vs-sale gap | ↓184th of 292 |
| Price-to-rent | 218th of 373 |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 15 +3.8% YoY 218th of 373 |
|---|---|
| Asking price / sq ft | $205 -3.7% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 34% +0.3 pts YoY ↓248th of 385 |
|---|
The median asking price $335K runs about 4% above the median sale price $321K.
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. Asking is the median list price of active listings (Realtor.com, this month); sale is the headline median of recent closings (Redfin, a rolling 3-month median) — distinct sources and windows, so the gap is a directional read, not a like-for-like difference. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 12 shown of 27 |
|---|---|
| MLS board of record | — |
| Price methodology | Redfin vs FHFA HPI |
| Data as of | Sep 2026 |
Recent signals
No signals flagged for this market right now.
Recent notable readings
- Zillow home values were lower than a year earlier in 18 of 26 ZIP codes across the Gainesville metro (Sep 2026): the 17th-highest share among the 274 U.S. metros Pecan Street tracks with enough ZIP-level data to compare.
Readings from the latest data that sit at one end of the U.S. metros Pecan Street tracks, from the nightly cross-metro comparison. They are not signal alerts.
Price reconciliation
normal · 0.8ppRedfin (metro) +0.4% | FHFA HPI · Q2 2026 +1.2% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
More markets in FL
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Try it freeZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 32601 | $303K↓ | 66↑ | 14↑ | 20↑ | 84↑ | $259K↑ |
| 32605 | $300K↑ | 110↑ | 36↑ | 42↑ | 71↑ | $298K↓ |
| 32606 | $380K↓ | 77↓ | 14↓ | 30↓ | 77↓ | $338K↓ |
| 32607 | $258K↓ | 106↓ | 28↑ | 34↓ | 69↓ | $282K↓ |
| 32608 | $284K↓ | 257↓ | 64↑ | 84↑ | 93↑ | $330K↓ |
| 32609 | $228K↓ | 44↑ | 18↑ | 14↑ | 59↑ | $214K↓ |
| 32615 | $359K↑ | 101↓ | 24↓ | 34↓ | 94↑ | $322K↓ |
| 32641 | $219K↑ | 36↑ | 6↓ | 28↑ | 100↑ | $173K↓ |
| 32643 | $388K↑ | 60↓ | 20↑ | 20↑ | 61↓ | $323K↓ |
| 32653 | $309K↓ | 56↑ | 24↑ | 24↑ | 68↑ | $319K↓ |
| 32669 | $395K↓ | 135↑ | 38↑ | 30↓ | 81↓ | $346K↓ |
| 32696 | $297K↓ | 63↓ | 16↑ | 18↓ | 92↑ | $290K↓ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.