Gulf Breeze, FL (32561) housing scorecard.
Home value, rent, cap rate, 5-year growth, price versus incomes and our 0 to 100 Momentum Market Score for ZIP 32561, free, from Zillow, Realtor.com and Census data.
The typical home costs about 5.81 times the local median income, about 16.2% richer than the Florida norm, so value is stretched here. Gross rent yield is around 4.68%. Values are up roughly 5.1% a year over the last five years. Owning the typical home at today's 6.52% 30-year rate takes about 35.3% of a median income in principal and interest, the affordability squeeze in one number. About 17.6% of listings have cut their price.
Typical home value, last 13 months
What drives the score
Each bar ranks this ZIP against every other Florida ZIP (0 = lowest, 100 = highest) on that input, then weighted into the score. Full methodology.
Common questions
Is Gulf Breeze, FL (32561) a buyer's or seller's market?
By the Momentum Market Score, Gulf Breeze, FL (32561) reads frothy (19 out of 100), meaning it is expensive against incomes and tight for buyers. The score blends value versus incomes, price cuts, inventory growth, affordability and rent yield.
What is the typical home value in Gulf Breeze?
About $691,087 (Zillow Home Value Index, 2026-08-01), up roughly 5.1% 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 32561
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
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. Copyright© 2026 by the Multiple Listing Service of the Pensacola Association of REALTORS® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS®. Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited. Deemed reliable but not guaranteed.
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