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Florida Housing Data · ZIP Scorecard

Crestview, FL (32539) housing scorecard.

Home value, rent, cap rate, 5-year growth, price versus incomes and our 0 to 100 Momentum Market Score for ZIP 32539, free, from Zillow, Realtor.com and Census data.

Sources: Zillow, Realtor.com, U.S. Census, Freddie Mac/FRED. Score by Momentum Realty (methodology).
Updated 2026-08-01
73/ 100
Momentum Market Score
Strong buyer value
Crestview, FL (32539) is priced low against incomes with real negotiating room.

The typical home runs about 3.94 times the local median income, which is roughly 21.2% cheaper than the Florida norm. Gross rent yield is around 7.95%. Values are up roughly 3.5% a year over the last five years. Owning the typical home at today's 6.52% 30-year rate takes about 23.9% of a median income in principal and interest, the affordability squeeze in one number. About 25.8% of listings have cut their price.

$285,412
Home value
1yr -0.2%
3.5%
5yr growth/yr
ZHVI CAGR
$1,892
Median rent
monthly (ZORI)
7.95%
Cap rate
gross yield
3.94x
Price to income
value vs incomes
-21.2%
Over/undervalued
vs FL norm
23.9%
Affordability
income to own/yr
55
Days on market
median (Realtor)
25.8%
Price cuts
share of listings
$72,521
Median income
household (Census)
33,150
Population
Census ACS
80
New listings
last month

Typical home value, last 13 months

What drives the score

Cheapness vs income87
Price-cut leverage50
Inventory growth57
Affordability88
Rent yield80

Each bar ranks this ZIP against every other Florida ZIP (0 = lowest, 100 = highest) on that input, then weighted into the score. Full methodology.

Okaloosa County scorecardAll Florida counties

Common questions

Is Crestview, FL (32539) a buyer's or seller's market?

By the Momentum Market Score, Crestview, FL (32539) reads strong buyer value (73 out of 100), meaning it is priced low against incomes with real negotiating room. The score blends value versus incomes, price cuts, inventory growth, affordability and rent yield.

What is the typical home value in Crestview?

About $285,412 (Zillow Home Value Index, 2026-08-01), up roughly 3.5% a year over five years.

Where does this data come from?

Zillow Research (home value, rent), Realtor.com (days on market, listings), U.S. Census (income, population), Freddie Mac via FRED (rate). Score and derived metrics by Momentum Realty, methodology here.

Data: Zillow Research, Realtor.com, U.S. Census Bureau ACS, and Freddie Mac 30-Year Fixed Rate Mortgage Average [MORTGAGE30US] via FRED. Score by Momentum Realty.

Housing distress & ownership in ZIP 32539

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
2.9%
7 of 241 listings · short sale 5, reo 2
Months of supply
4.0
balanced · active inventory ÷ sales pace (trailing 12 mo)
Out-of-state owners
11.5%
mailing address outside FL
Non-homestead
52.8%
not owner-occupied (investor/2nd-home proxy)
Median just value
$179,079
16,841 parcels
Median owner tenure
1 yrs
years since the home last sold (county tax roll)
Owners at 2× their price
1.9%
today’s just value is at least double the last sale price
Median closed sale price — $307,000 · ▼ 1.0% yr (12-mo rolling)
Distress share trend — 2.9% now (2026-08-10 → 2026-08-11)

Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.

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