Florida Market Intelligence

Methodology & Data Sources

Momentum's Florida Market Intelligence dashboard turns live and historical Multiple Listing Service (MLS) data into a plain-language read on the Florida housing market. This page explains what each indicator measures, how often it refreshes, what it covers, and where the data comes from.

How often it updates

The dashboard is a live feed rebuilt automatically every day. Point-in-time indicators (inventory, listings under contract, mortgage rate) reflect the most recent daily pull. Trend indicators are based on monthly closed-sale medians; because a month's sales keep recording for weeks after they close, the most recent complete month is used as the current reading — currently June 2026. Incomplete partial months are excluded so a half-finished month never distorts a trend.

What each indicator means

Plain definitions. We publish what each number represents and how current it is; the specific calculations behind Momentum's proprietary scoring are not disclosed.

Indicator	What it measures	How it's sourced
Months of Supply	Active listings divided by the monthly sales pace. Statewide history is being backfilled from the per-listing feed.	current statewide value (monthly history backfilling)
Sale-to-List Ratio	Median closed price vs original list price. Below 100% = homes sell under asking.	12-month trend from monthly closed-sale medians
Listings With a Price Cut	Share of active listings that reduced their price. Statewide monthly history backfilling.	current statewide value (monthly history backfilling)
Under Contract	Share of available listings under contract right now (pending + active-under-contract).	current statewide value (monthly history backfilling)
Median Sale Price	Median closed sale price across contributing Florida MLS markets.	12-month trend from monthly closed-sale medians
Median Price / SqFt	Median closed price per finished square foot.	12-month trend from monthly closed-sale medians
New-Construction Sales	Share of closed sales that were newly built homes.	12-month trend from monthly closed-sale medians
Median Home Size	Median finished square footage of closed sales.	12-month trend from monthly closed-sale medians
Buyer Leverage Index	Momentum composite of days on market, sale-to-list and new-construction share. Higher = more buyer leverage.	proprietary statewide index
Median Days on Market	Median days from list to contract for closed sales.	12-month trend from monthly closed-sale medians
Homes Sold / Month	Closed residential sales per month across contributing Florida MLS markets.	12-month trend from monthly closed-sale medians
New Listings / Month	Homes newly listed each month. Statewide series backfilling from the per-listing feed.	compiling — will populate as the feed matures
Active Inventory	Homes actively listed for sale statewide right now.	live-trend
30-Yr Mortgage Rate	Average 30-year fixed mortgage rate, pulled live from Freddie Mac / FRED and refreshed daily.	latest available from the cited public source
Est. Monthly Payment	Full monthly payment (PITI) on the median home: principal & interest (20% down, 30-yr at today's rate) plus estimated property tax (~0.9%/yr) and homeowners insurance.	12-month trend from monthly closed-sale medians
New-Construction Premium	How new-build prices per sq ft compare to resale. Negative = new homes sell for less.	12-month trend from monthly closed-sale medians
Avg Home Insurance	Average Citizens premium across Florida counties, with the approved 2026 statewide rate change. No authoritative monthly premium series exists.	latest available from the cited public source

Coverage

Figures are aggregated across the contributing Florida MLS markets listed below, spanning Northeast Florida, Central Florida and the Gulf Coast, the Space Coast, the Daytona/Volusia area, Southeast Florida and the Panhandle. Where more than one MLS covers the same county, closed-sale counts may include a transaction reported by more than one source; median-based figures (price, price per square foot, days on market) are unaffected. Coverage this build: Aggregated across contributing Florida MLS markets: beaches, dbaar, pensacola, realmls, spacecoast, stellar..

Data sources & attribution

Underlying listing data is provided by the following MLSs and is used in aggregate. Individual listing data is displayed only where permitted by each MLS.

BeachesMLS
All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc.
Pensacola Association of REALTORS®
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.
realMLS (Northeast Florida AR)
Source: Data provided by realMLS.
Space Coast Association of REALTORS®
Listing data provided by the Space Coast Multiple Listing Service. Information is deemed reliable but is not guaranteed accurate by the MLS.
Stellar MLS
Listings courtesy of Stellar MLS as distributed by MLS GRID.

Reliability. All figures are aggregates derived from MLS data and public sources and are provided for general informational purposes. Data is deemed reliable but not guaranteed and is subject to change. These indicators are market statistics — they are not an appraisal, not an automated valuation (AVM), and not a valuation of any individual property, and should not be relied upon as the sole basis for a buying, selling, or financial decision.

About "Today's Read." The summary paragraph on the dashboard is generated automatically from the indicators on this page. It is a plain-language description of current market statistics, not personalized advice.

Momentum Realty is committed to Equal Housing Opportunity.