Northwest Florida

Gadsden County, FL home buyer guide

Today's mortgage rates, FHA loan limits, and first-time buyer programs available in Quincy, Chattahoochee and across Gadsden County.

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Gadsden County snapshot

Median home price

$175,000

Population

44,000

FHA loan limit (1-unit)

$524,225

County seat

Quincy

Gadsden County sits in Northwest Florida, anchored by Quincy and including Chattahoochee. The median home price here runs around $175,000, and most buyers qualify for FHA, Conventional 97%, or Florida's Hometown Heroes assistance program.

Today's example payments

Monthly payment on a $175,000 Gadsden County home

Estimates include principal, interest, Florida property tax (~0.98%), and homeowners insurance (~1.25%). PMI/MIP varies. Updated June 14, 2026.

Live rates

Conventional

Monthly payment

$1,378

Rate (mid): 6.520%
Down payment: $8,750 (5.0%)
Loan amount: $166,250

5% down · PMI applies

FHA

Monthly payment

$1,353

Rate (mid): 6.145%
Down payment: $6,125 (3.5%)
Loan amount: $168,875

3.5% down · MIP included

VA

Monthly payment

$1,377

Rate (mid): 6.020%
Down payment: $0 (0.0%)
Loan amount: $175,000

0% down · no PMI

Hometown Heroes

Monthly payment

$1,405

Rate (mid): 6.270%
Down payment: $0 (0.0%)
Loan amount: $175,000

Up to $35K assistance

Educational estimates only. Your actual rate and payment depend on credit, debt-to-income, property type, lender pricing, and the exact insurance quote for your home.