Photo: Excel23 · CC BY-SA 4.0Renting in Five Points: a two-bedroom costs about $1,240
Five Points has no cost of living grade: the grade needs at least two of four Census figures (home value, rent, property tax and the share of households paying 30% or more for housing), and only one is available here.
Only 0 sales in September 2026: in a market this size, monthly medians swing a lot, so the typical value is the steadier guide.
What stands out about housing in Five Points
Why Five Points isn’t graded
The grade needs at least two of four Census figures: home value, rent, property tax and the share of households paying 30% or more for housing. Here only rent is left.
Next door, Lake City grades C+ for cost of living, with a typical home of $261K (Zillow, September 2026).
A two-bedroom rents for about $1,240
Renters already here pay a median of $1,119, so moving in tends to cost more than staying put.
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Columbia County, FL): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
Five Points vs. its neighbors
Zillow publishes no value for Five Points.
Cost next door · one source per column
| Town | Cost | Typical home Zillow, latest | Median value Census 2020–24 | Tax rate bill ÷ value | 2-bed rent HUD 2026 |
|---|---|---|---|---|---|
| Five Points | – | — | — | — | $1,240 |
| Lake City | C+ | $261K | $185K | 0.78% | $1,300 |
“—” under Cost: not graded (too little Census data, or under 1,000 residents). “—” under Zillow: Zillow publishes no value for that town, so it’s left blank rather than mixed with Census figures.
Questions about the cost of living in Five Points
How much is rent in Five Points?
HUD puts a two-bedroom at about $1,240 a month with utilities, the going rate for someone moving in. Renters already here pay a median of $1,119 (Census 2020–24).
Why doesn’t Five Points have a cost of living grade?
Five Points has no cost of living grade: the grade needs at least two of four Census figures (home value, rent, property tax and the share of households paying 30% or more for housing), and only one is available here.
Neighbors talk housing
What Five Points buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center, September 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. Price trend: Federal Housing Finance Agency House Price Index. Fair Market Rents: U.S. Department of Housing and Urban Development. The calculator is an estimate, not a loan offer. Regional price levels: BEA; electricity: EIA. How TownRatings grades cost of living.