Cost of Living in Liberty County, Florida
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Liberty County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Liberty County ranks #1,252 of 3,144 counties for affordability (top 40%)
Data Story
About Cost of Living in Liberty County, Florida
Liberty County: small-town housing wins
Liberty County's 21.6% rent-to-income ratio sits below the national average, offering renters better value than typical American markets. At $968 monthly rent on a median income of $53,824, Liberty delivers affordability combined with low-cost ownership options.
Below Florida's affordability average
Liberty County's 21.6% rent-to-income ratio undercuts Florida's state average of 22.5%, positioning it among the state's more affordable rural communities. This edge reflects Liberty's small population and slower growth compared to urban hubs.
Competitive with other rural counties
Liberty County's $968 median rent sits between cheaper rural options like Levy ($826) and pricier urban-influenced counties, reflecting its position as a small Panhandle community. While home values are the lowest in this regional cluster at $117,600, Liberty's household incomes are also modest, maintaining the affordability equation.
Exceptional value for homeowners
Liberty County renters pay $968 monthly (21.6% of income), while homeowners spend just $609 on mortgages for median homes under $118,000—the lowest in the region. Homeownership here offers extraordinary value, consuming only 13.5% of household income compared to renters' 21.6% burden.
Liberty County: hidden gem for owners
Liberty County combines small-town affordability with extraordinarily low home values ($117,600) and minimal mortgage burdens, making it ideal for buyers seeking maximum homeownership value. While rural, Liberty's 21.6% rent ratio beats Florida's average, and for those able to purchase, the ownership costs remain unmatched in the state.
Cost of Living Advisory: Liberty County
Affordability Verdict
Housing in Liberty County is affordable. The median rent is $968/month against a median household income of $53,824, putting rent at 21.6% of income.
Rent vs. Own
At $968/month rent versus $609/month in owner costs, owning is roughly $359/month cheaper — a 37% difference.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $38,720/year. For owner costs at the 28% rule, the required income is roughly $26,100/year. With a median household income of $53,824, most households can comfortably afford rent here. Notably, 24.0% of renter households in Liberty County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Within Florida, Liberty County is more affordable than Columbia County by roughly 6% ($968/mo vs $915/mo).
Affordability Calculator
See how your income compares to housing costs in Liberty County
Rent Burden
21.6%
of gross income
Max Housing (28% Rule)
$1,256
per month
Owner Cost Burden
13.6%
of gross income
You can likely afford the median home in Liberty County
Median home value is $117,600. Estimated monthly cost: $939 vs. your max of $1,256.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
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