State rental market reference · Data updated October 18, 2026
Florida rental market for DSCR investors: rent, taxes and insurance by county
What a rental in Florida rents for, what it costs to carry, and whether it stays rented, from official data for all 67 counties. Read it before you price a deal here.
Florida at a glance
What does a rental rent for?
$1,959 a month
HUD's FY2027 2-bedroom Fair Market Rent where most of Florida's renters live, from $953 (Taylor County) to $2,564 (Miami-Dade County). It is the government figure for a modest 2-bedroom unit, utilities included, not the rent for a house.
What will property taxes cost?
0.76% of value a year
Homeowners in Florida pay a median $2,730 a year on a median home value of $359,000 (Census ACS 2020–2024). A rental can be taxed at a different rate than an owner's home; the local tax bill is the real number.
What will insurance cost?
$2,040 a year
The median that homeowners with a mortgage in Florida report paying for homeowners insurance (Census ACS 2020–2024). It is not a landlord quote: a rental policy usually costs more, and flood cover is extra.
Will it stay rented?
7.6% rental vacancy
Share of Florida's rental homes vacant and for rent (Census ACS 2020–2024), across 2,834,163 renter households. Lower means rentals fill faster.
Are jobs growing?
Employment up 0.1% in a year
Employed residents in August 2026 against a year earlier; unemployment 4.6% (BLS, not seasonally adjusted, so compare the same month a year apart).
Is new supply coming?
178,297 homes permitted in 2025
About 20.4 new homes per 1,000 households; 62% single-family (Census Building Permits Survey). More new homes means more competition for tenants and buyers.
How often does it flood?
258,397 flood claims since 2005
National Flood Insurance Program claims on properties in Florida since 2005, $16.5 billion paid (FEMA). Claims show where water has reached insured buildings; they are not a flood map, so check the FEMA flood zone for the address.
What it means for a DSCR rental in Florida
A lender's DSCR is the monthly rent divided by the full monthly payment: principal, interest, property taxes, insurance and any HOA dues. Many lenders accept 1.00x; 1.20x leaves a cushion.
Take a home at Florida's median value of $359,000, bought with 25% down on a 7.5% 30-year loan, with the state's typical tax rate and insurance:
- Principal and interest ($269,250 loan)
- $1,883
- Property taxes
- $227
- Insurance
- $170
- Full monthly payment
- $2,280
- Rent for a 1.20x DSCR
- $2,740 a month
The government 2-bedroom figure where most of Florida's renters live is $1,959 a month, below the $2,740 that home needs. A house usually rents for more than a 2-bedroom unit, so price the house you are looking at with its own rent. The last column of the table below gives the same figure for each county.
Rules and costs a landlord faces in Florida
Each line quotes the official source it comes from and the date it was last checked. These are general rules, not legal advice; local rules can add to them.
- How long before you can file to evict for unpaid rent?
3 business days' notice for unpaid rent before an eviction can be filed.
If the tenant fails to pay rent when due and the default continues for 3 days, excluding Saturday, Sunday, and legal holidays, after delivery of written demand by the landlord for payment of the rent or possession of the premises, the landlord may terminate the rental agreement.
Florida Legislature, checked October 18, 2026
- How fast must the deposit come back?
Within 15 days after the tenancy ends.
Upon the vacating of the premises for termination of the rental agreement, if the landlord does not intend to impose a claim on the security deposit, the landlord must return the security deposit ... within 15 days after the termination of the rental agreement.
Florida Legislature, checked October 18, 2026
- Can rents be capped?
State law bars cities and counties from capping rents.
A municipality, county, or other entity of local government may not adopt or maintain in effect any law, ordinance, rule, or other measure that would have the effect of imposing controls on rents.
Florida Legislature, checked October 18, 2026
- What does the state charge to record a purchase?
State tax: $0.70 per $100.
On deeds, instruments, or writings whereby any lands, tenements, or other real property, or any interest therein, shall be granted, assigned, transferred, or otherwise conveyed to ... on each $100 of the consideration therefor the tax shall be 70 cents.
Florida Legislature, checked October 18, 2026
- Is a rental taxed like the owner's home?
A rental does not get the owner's homestead benefit; non-homestead assessments are capped at 10 percent.
the term “nonhomestead residential property” means residential real property that contains nine or fewer dwelling units ... and that does not receive the exemption under s. 196.031. ... Any change resulting from such reassessment may not exceed 10 percent
Florida Legislature, checked October 18, 2026
- Where do you insure when private insurers decline?
Citizens Property Insurance Corporation.
The Legislature intends, therefore, that affordable property insurance be provided and that it continue to be provided, as long as necessary, through Citizens Property Insurance Corporation, a government entity that is an integral part of the state, and that is not a private insurance company.
Florida Senate, checked October 18, 2026
Market hubs in Florida
Each hub makes a monthly call on the market: the rent, the price that still works at 1.20x, and where to start.
Other tracked markets in Florida
Each screen shows a typical house's DSCR and the price that clears 1.20x, from the county figures on this page. See every tracked market ranked.
Florida by county
All 67 counties, most renter households first. "Rent for 1.20x" is the monthly rent a home at that county's median value needs on the example loan above. A dash means the source publishes no reliable figure there.
| County | 2-bed FMR | Property tax | Insurance / yr | Rental vacancy | Jobs, 1 yr | Permits | Flood claims | Rent for 1.20x |
|---|---|---|---|---|---|---|---|---|
| Miami-Dade County | $2,564 | 0.81% | $3,170 | 5.5% | +2.0% | 16,535 | 20,766 | $3,610 |
| Broward County | $2,321 | 0.94% | $3,210 | 6.6% | -0.8% | 2,690 | 17,680 | $3,320 |
| Orange County | $1,959 | 0.76% | $2,030 | 9.3% | +0.0% | 13,140 | 1,600 | $2,950 |
| Hillsborough County | $1,917 | 0.81% | $2,050 | 6.4% | +0.4% | 8,696 | 12,868 | $2,840 |
| Palm Beach County | $2,349 | 0.86% | $3,160 | 7.3% | -0.2% | 4,228 | 3,503 | $3,520 |
| Duval County | $1,694 | 0.75% | $1,650 | 7.9% | -0.7% | 6,017 | 4,283 | $2,300 |
| Pinellas County | $1,917 | 0.70% | $2,180 | 9.1% | -0.5% | 4,198 | 31,857 | $2,700 |
| Polk County | $1,608 | 0.73% | $1,640 | 5.1% | +0.4% | 8,236 | 1,027 | $2,040 |
| Lee County | $1,835 | 0.79% | $2,030 | 10.3% | -0.4% | 13,547 | 39,903 | $2,770 |
| Volusia County | $1,673 | 0.77% | $1,810 | 7.4% | +0.0% | 2,826 | 9,791 | $2,390 |
| Seminole County | $1,959 | 0.67% | $2,000 | 7.2% | +0.0% | 1,997 | 1,233 | $2,890 |
| Brevard County | $1,779 | 0.68% | $2,160 | 10.8% | -0.2% | 4,624 | 3,237 | $2,580 |
| Leon County | $1,424 | 0.79% | $1,690 | 5.7% | +0.6% | 2,047 | 328 | $2,310 |
| Pasco County | $1,917 | 0.73% | $1,730 | 5.1% | +0.3% | 7,878 | 7,833 | $2,290 |
| Alachua County | $1,471 | 0.96% | $1,490 | 8.6% | -0.1% | 3,336 | 186 | $2,240 |
| Osceola County | $1,959 | 0.76% | $1,750 | 7.0% | +0.0% | 7,366 | 744 | $2,670 |
| Sarasota County | $2,188 | 0.75% | $2,090 | 6.1% | +0.1% | 6,627 | 9,969 | $3,110 |
| Escambia County | $1,548 | 0.58% | $2,020 | 5.6% | -1.0% | 1,398 | 5,778 | $1,970 |
| Manatee County | $2,188 | 0.78% | $1,900 | 14.1% | +0.1% | 11,015 | 7,496 | $2,960 |
| Collier County | $2,036 | 0.63% | $2,350 | 10.0% | +0.3% | 2,736 | 13,570 | $3,980 |
| Marion County | $1,394 | 0.74% | $1,370 | 9.1% | -0.1% | 5,985 | 152 | $1,850 |
| Lake County | $1,959 | 0.76% | $1,660 | 10.3% | +0.0% | 5,342 | 346 | $2,410 |
| St. Lucie County | $2,069 | 0.93% | $2,350 | 7.4% | -0.4% | 4,008 | 1,038 | $2,740 |
| Okaloosa County | $1,908 | 0.57% | $2,190 | 14.3% | -0.7% | 1,057 | 1,900 | $2,630 |
| Bay County | $1,651 | 0.58% | $2,050 | 11.7% | +0.7% | 2,072 | 4,203 | $2,340 |
Show the other 42 counties
| County | 2-bed FMR | Property tax | Insurance / yr | Rental vacancy | Jobs, 1 yr | Permits | Flood claims | Rent for 1.20x |
|---|---|---|---|---|---|---|---|---|
| St. Johns County | $1,694 | 0.76% | $1,730 | 5.2% | -0.8% | 4,735 | 6,685 | $3,620 |
| Clay County | $1,694 | 0.72% | $1,570 | 2.0% | -0.6% | 1,522 | 1,294 | $2,350 |
| Charlotte County | $1,575 | 0.85% | $2,150 | 11.8% | -0.7% | 3,015 | 9,049 | $2,560 |
| Hernando County | $1,917 | 0.67% | $1,490 | 7.7% | +0.4% | 1,975 | 1,810 | $2,070 |
| Indian River County | $1,542 | 0.69% | $2,340 | 9.5% | -0.5% | 252 | 649 | $2,690 |
| Santa Rosa County | $1,548 | 0.57% | $2,130 | 3.9% | -1.0% | 1,929 | 3,322 | $2,480 |
| Martin County | $2,069 | 0.77% | $3,050 | 6.4% | -0.4% | 845 | 616 | $3,360 |
| Monroe County | $2,254 | 0.53% | $4,000+ | 19.6% | -0.7% | 279 | 18,310 | $5,730 |
| Citrus County | $1,194 | 0.58% | $1,540 | 8.1% | -1.3% | 2,102 | 4,139 | $1,840 |
| Highlands County | $1,259 | 0.72% | $1,700 | 3.8% | -0.6% | 768 | 138 | $1,490 |
| Flagler County | $1,758 | 0.76% | $1,710 | 8.1% | +0.0% | 2,586 | 1,847 | $2,740 |
| Sumter County | $1,324 | 0.78% | $1,500 | 17.1% | -0.4% | 3,516 | 71 | $2,880 |
| Putnam County | $1,040 | 0.78% | $1,380 | 3.6% | +1.2% | 127 | 446 | $1,270 |
| Columbia County | $1,187 | 0.74% | $1,510 | 6.3% | -0.5% | 182 | 172 | $1,520 |
| Walton County | $1,474 | 0.45% | $2,180 | 37.9% | -0.5% | 2,399 | 1,127 | $3,080 |
| Nassau County | $1,694 | 0.71% | $1,600 | 9.2% | -0.6% | 1,060 | 461 | $2,840 |
| Gadsden County | $1,424 | 0.53% | $1,400 | 1.7% | -0.1% | 122 | 11 | $1,330 |
| Jackson County | $962 | 0.50% | $1,600 | 9.5% | -0.4% | 98 | 49 | $980 |
| Suwannee County | $999 | 0.71% | $1,600 | 4.9% | +0.1% | 136 | 181 | $1,360 |
| Okeechobee County | $1,212 | 0.74% | $1,940 | 2.5% | +0.3% | 88 | 171 | $1,550 |
| Hendry County | $1,144 | 0.80% | $1,480 | 3.8% | +0.2% | 470 | 107 | $1,700 |
| DeSoto County | $1,089 | 0.83% | $1,490 | 5.8% | -1.3% | 159 | 238 | $1,390 |
| Levy County | $954 | 0.63% | $1,390 | 3.4% | -0.3% | 244 | 709 | $1,460 |
| Bradford County | $1,008 | 0.55% | $1,460 | 0.9% | +0.1% | 66 | 136 | $1,600 |
| Hardee County | $1,124 | 0.82% | $1,740 | 2.7% | +0.6% | 104 | 82 | $1,270 |
| Wakulla County | $1,283 | 0.64% | $1,390 | 6.0% | +0.1% | 518 | 875 | $1,930 |
| Taylor County | $953 | 0.65% | $1,380 | 12.6% | -2.1% | 58 | 502 | $930 |
| Washington County | $1,040 | 0.46% | $1,560 | 4.7% | +0.9% | 223 | 57 | $1,310 |
| Madison County | $978 | 0.83% | $1,290 | 5.0% | -0.3% | 39 | 40 | $960 |
| Holmes County | $971 | 0.54% | $1,670 | 7.9% | -0.5% | 12 | 33 | $920 |
| Jefferson County | $1,424 | 0.62% | $1,370 | 1.3% | +0.4% | 55 | 6 | $1,740 |
| Baker County | $1,110 | 0.64% | $1,330 | 0.9% | -0.4% | 121 | 58 | $1,910 |
| Gulf County | $1,532 | 0.63% | $2,160 | 39.5% | +0.3% | 302 | 1,168 | $1,950 |
| Union County | $1,019 | 0.58% | $1,280 | 1.2% | -1.0% | 45 | 14 | $1,290 |
| Gilchrist County | $1,471 | 0.65% | $1,530 | 2.4% | -0.3% | 94 | 72 | $1,540 |
| Calhoun County | $953 | 0.51% | $1,740 | 5.6% | -0.2% | 4 | 36 | $1,160 |
| Dixie County | $1,041 | 0.62% | $1,710 | 10.3% | +0.3% | 126 | 406 | $1,080 |
| Franklin County | $1,068 | 0.63% | $2,830 | 49.0% | +1.7% | 112 | 1,783 | $2,180 |
| Hamilton County | $953 | 0.73% | $1,200 | 1.1% | -0.1% | 34 | 30 | $900 |
| Glades County | $1,127 | 0.85% | $2,090 | 21.2% | -0.8% | 108 | 42 | $1,190 |
| Lafayette County | $1,191 | 0.55% | $1,330 | 0.8% | -2.3% | 41 | 53 | $1,210 |
| Liberty County | $975 | 0.90% | $1,870 | 0.0% | +1.0% | 25 | 4 | $1,100 |
Where these numbers come from
- 2-bedroom Fair Market Rent
- HUD's FY2027 Fair Market Rents, in effect from October 1, 2026: the rent and utilities of a modest 2-bedroom unit, set for housing vouchers. It is not a house rent. Where HUD publishes by town (New England), the county shows the range. HUD Fair Market Rents
- Property tax, insurance, vacancy and home value
- Census American Community Survey 5-year estimates, 2020–2024. Property tax is the median tax paid divided by the median home value of owner-occupied homes. Insurance is the median that owners with a mortgage report paying, not a landlord quote. Owner-occupied homes can carry a homestead exemption or assessment cap that a rental does not get, so a rental's tax can run higher, notably in states such as Florida and Texas. Rental vacancy is homes vacant for rent divided by all rental homes. Figures from too few homes are left blank. American Community Survey
- Jobs
- BLS Local Area Unemployment Statistics: employed residents in August 2026 against the same month a year earlier, not seasonally adjusted. BLS LAUS
- Permits
- Census Building Permits Survey: new housing units authorized in 2025, all building sizes. Building Permits Survey
- Flood claims
- FEMA National Flood Insurance Program claims with a loss in 2005 or later, and the net amount paid. Only insured buildings appear. Check a flood zone
These are screening figures for comparing places, not a quote, an appraisal or a loan offer. Florida total flood payments since 2005: $16.5 billion.