Floridians are facing a longer path to home ownership than they did just one decade ago, according to a new study.

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SmartAsset’s study has found that it would take Florida buyers 9.2 years to save for a down payment at a median income in 2026, which is 17 months longer than it would have taken in 2016.

The study analyzed home values in each state in 2016 and 2026 and compared them with the median household income to estimate the number of years it would take to save for a down payment, assuming that the buyer puts aside 10% percent of their income.

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In the Sunshine State –

  • April 2016 typical home value: $196,979
  • April 2026 typical home value: $376,504

Median household income

  • 2016 median household income: $50,860
  • 2026 median household income: $82,004

Time needed to save at median household income (2026): 9.2 years

Change in time needed to save (2016 to 2026): 17 months longer

Minimum wage

  • 2026 annualized minimum wage: $29,120
  • Time needed to save at annualized minimum wage (2026): 25.9 years

SmartAsset found that Idaho had the largest increase in time, with buyers needing 11.2 years to save at a median household income in 2026, 40 months longer than in 2016.

West Virginia had the lowest, with a median-income household needing 5.5 years to save in 2026, three months longer than in 2016.

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