States · Florida · Gilchrist County

Bell, Florida.

Typical home $296,746 (+2.1% in a year). Gainesville, FL metro.

What it costs per month · Bell $1,558/mo

to buy the typical home at today's mortgage rate — +$940 (+152%) since Jan 2020.

What the home itself did
1 year
Up $6,135 +2%
$290,611$296,746 since Sep 2025
5 years
Up $68,867 +30%
$227,880$296,746 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 Bell $1,558 Florida $1,970 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • Bell$1,558
  • Florida$1,970
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 13 years.

Typical home values in Bell, FL rose 2.1% over the past year — faster than the nation's +1.2%.

Living in Bell, Gilchrist County, Florida

Bell is a town of 518 people in Gilchrist County. Unemployment in Gilchrist County was 5.0% in August 2026, and the county had 0.5% more jobs in 2025 than the year before. The most people in Gilchrist County work in schools and health care, then shops.

People 518 in the 2020 census
Household income Too few homes in Bell for the Census survey to measure.
Unemployment 5.0% Gilchrist County, August 2026; 4.6% a year before
Homes Too few homes in Bell for the Census survey to measure.

Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.

What it’s like

The place. Bell is a very small town in Gilchrist County, in north central Florida, with far fewer people than most places on the map. Winters are mild, with the coldest days in January bringing cool highs and lows that dip toward chilly, while summers turn hot, with July the warmest month. Rain and the occasional melted snow add up to a fairly wet year. Few adults here hold a four-year degree, and the share of residents living below the poverty line is a little higher than the national picture.

Work. Residents work mostly in schools, hospitals and social care, in shops, in the building trades, and in professional and business services. Across Gilchrist County, the largest workplaces include Gilchrist Schools, Health Services Management of Florida, which runs nursing homes, and the Primo Brands bottled water plant in High Springs. A typical commute is on the longer side, and very few people work from home. Unemployment in the county has risen a little over the past year, while the number of jobs has edged up.

Things to do. The area is known for its springs and rivers, all a longer drive away. Gilchrist Blue Springs State Park and Ichetucknee Springs State Park are protected areas built around clear spring water, good for swimming and spending a day outdoors. Ginnie Springs is another well-known spring and park. Together they make the surrounding countryside a draw for anyone who likes water and woods.

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  • 11%of adults have a degree
  • 13%below the poverty line
  • 26 mintypical commute
  • 2%work from home

What people in Gilchrist County work in

  • Schools, hospitals and social care22%
  • Shops (retail)13%
  • Building trades11%
  • Professional and business services10%
  • Government8%
  • Transport, warehouses and utilities7%

Employed residents by industry, from the Census survey. Gilchrist County had 3,833 jobs in 2025, 0.5% more than the year before (Bureau of Labor Statistics).

Weather through the year

Average daily high and low for each month: coldest in January, 65° and 40°; warmest in July, 90° and 71° 40° 50° 60° 70° 80° 90° J 65° 40° F M A M J J 90° 71° A S O N D
Average daily high and low for each month: coldest in January, 65° and 40°; warmest in July, 90° and 71° 40° 50° 60° 70° 80° 90° J 65° 40° F M A M J J 90° 71° A S O N D

Coldest in January, with highs near 65° and lows near 40°; warmest in July, with highs near 90° and lows near 71°. About 54 inches of rain and melted snow a year.

Average daily high and low, 1991–2020, at the Bell 4NW weather station, 4 miles away (NOAA).

Largest workplaces in Gilchrist County

  1. Gilchrist SchoolsSchool district361FTE
  2. Health Services Management of FloridaNursing homes145
  3. Primo Brands - High Springs FACTORYBeverages, naturally carbonated bottled water, manufacturing91
  4. BLAC InvestmentsRoofing, sheet metal, manufacturing90
  5. Gray Construction ServicesIndustrial building construction, general contractors24
  6. Duke EnergyElectric power distribution22
  7. Suwannee Valley FeedsAnimal feed mills manufacturing21
  8. TrentonMail and parcel delivery21

Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 7 workplaces with 20 or more staff, 414 people in all across the county; Bell has none of its own. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.

Natural hazards

  1. LightningVery high
  2. HurricanesRelatively high
  3. Inland floodingRelatively high
  4. Cold wavesRelatively high
  5. WildfireRelatively moderate
  6. Strong windRelatively moderate

FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Bell’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.

From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Gilchrist County and the Gainesville, FL metro.

Bell home values

Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.

$200,000 $300,000 $400,000 2018 2020 2022 2024 2026 Bell $296,746 Florida $375,361 United States $366,157
$200,000 $300,000 $400,000 2018 2022 2026
  • Bell$296,746
  • Florida$375,361
  • United States$366,157

Sellers are cutting prices on about 1 in 4 Bell listings — the market is roughly in balance.

When this market ran hot

Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.

JFMAMJJASOND
2026
2025
2024
2023
2022
2021
2020
2019
2018
falling flat warming hot overheating runaway

Market heat, inside the city limits

Share of listings with a price cut

The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.

10% 15% 20% 25% 2023 2024 2025 2026 Bell 23.65% United States 26.90%
10% 15% 20% 25% 2023 2024 2025 2026
  • Bell23.65%
  • United States26.90%

Homes for sale

Active for-sale inventory. More supply hands power to buyers.

20 30 40 50 2018 2019 2020 2021 2022 2023 2024 2025 2026 Bell 27
20 30 40 50 2018 2022 2026
  • Bell27

New listings per month

Sellers arriving at the market.

Not enough data to draw this yet.

Zip codes with a Bell address

A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Bell — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.

Zip codes in Bell