Home values across Florida have climbed for years — through hurricanes, insurance headlines, and everything else 2026 has thrown at homeowners here. A HELOC lets you borrow against what your home has already earned, without touching the rate on your first mortgage.
Available to homeowners with property in Florida.
Florida homeowners have watched their property values climb almost without pause since the early 2010s, and the pace hasn't slowed much even as insurance premiums and headlines about the market cooling have grabbed attention. The FHFA's House Price Index puts statewide values up roughly 60% over just the past five years — a run that has left a lot of Florida homeowners sitting on far more equity than they'd guess from their monthly mortgage statement alone.
That growth hasn't been even. South Florida — Miami-Dade, Broward, Palm Beach — has been pulled along by international buyers, limited land, and a wave of relocations that pushed prices into territory that would have seemed unlikely a decade ago. Tampa Bay and Central Florida have grown at their own steady clip, driven by population growth and job creation rather than any single event. The Panhandle and much of North Florida have appreciated too, just from a lower starting point, which means the dollar amount of equity built varies a lot by zip code even when the percentage gains look similar on paper.
What ties it together is that Florida carries no state income tax, which changes the math for a lot of households deciding what to do with home equity — whether that's a renovation, consolidating higher-rate debt, or covering a large expense without disturbing a first mortgage that may carry a rate from a very different market. A HELOC doesn't touch that first mortgage; it sits behind it, sized against your home's current value and whatever balance remains.
Limited land and a steady flow of buyers from outside Florida have kept Miami-Dade values among the highest in the state for years running. Homeowners who bought before the last decade's run-up are often sitting on some of the largest equity gains anywhere in Florida.
Broward County has grown alongside Miami-Dade without quite matching its price tag, which has made it a landing spot for buyers priced out of Miami proper. That relative affordability hasn't stopped values from climbing steadily year over year.
Tampa Bay's population growth over the past decade has been driven by job creation in health care, finance, and technology rather than any single boom, which has made its price gains feel more durable than flashy. Longtime homeowners here have built substantial equity gradually rather than in one sudden spike.
St. Pete's revitalized downtown and waterfront neighborhoods have drawn buyers willing to pay a premium for walkability, which has lifted values in the city's core faster than in Tampa Bay's outer suburbs. Older bungalow neighborhoods near downtown have seen some of the region's sharpest appreciation.
Orlando's growth has been fueled by both tourism-adjacent jobs and a wave of newcomers relocating from higher-cost states, keeping demand steady even as new construction has tried to keep pace. Equity built here often reflects years of straightforward, unspectacular appreciation.
As Florida's largest city by land area, Jacksonville has offered more room to build than its southern peers, which has kept price growth a bit more measured. That said, homeowners who've been in place for five-plus years have still seen meaningful gains.
Southwest Florida's canal-front lots and newer construction drew heavy demand through the pandemic years, and while the pace has cooled since, values remain well above where they stood a decade ago. Cape Coral homeowners rebuilding or renovating after recent storm seasons have equity as one of the more direct ways to fund it.
The Panhandle's lower starting price points mean Pensacola homeowners have built equity from a smaller base, but the percentage gains over the past several years have kept pace with much of the rest of the state. Proximity to military installations has also kept housing demand steadier than in purely tourism-driven markets.
As a state capital and university town, Tallahassee's housing market moves on a slower, steadier rhythm than Florida's coastal metros, with demand anchored by government and education employment rather than seasonal tourism. Homeowners here tend to build equity gradually over longer stretches of ownership.
Adjust the sliders to match your home's estimated value, what's left on your first mortgage, and the maximum combined loan-to-value your lender allows. The estimate updates instantly.
This is a planning estimate only — your actual available equity depends on an appraisal, your credit profile, and underwriting at the time you apply.
Estimate only, not a credit decision or offer of credit. Actual available equity depends on a full application, appraisal, and underwriting by Aven. Rates and CLTV limits vary and are subject to change without notice.
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