Santa Rosa County housing scorecard.
Everything Reventure charges for, free and built for Florida: home value, rent, cap rate, 5-year growth, price versus incomes, overvaluation and our 0 to 100 Momentum Market Score, from Zillow, Realtor.com and Census data.
The typical home runs about 3.94 times the local median income, which is roughly 19.2% cheaper than the Florida norm. Gross rent yield is around 6.83%. Values are up roughly 5.0% a year over the last five years. Owning the typical home at today's rate takes about 23.9% of a median income, the affordability squeeze in one number. About 26.0% of listings have cut their price.
Typical home value, last 13 months
Ten years ago the typical home here was about $179,084; today it is $350,872.
What drives the score
Each bar is this county ranked against every other Florida county (0 = lowest, 100 = highest) on that input, then weighted into the score. Higher overall = more buyer value and leverage. See the full methodology.
Momentum scores for Santa Rosa
Three composite reads, each built from the labeled components below it (0 = lowest in Florida, 100 = highest). Every input is public and the formula is published, unlike the paywalled black-box versions elsewhere.
10-year upside from appreciation, incomes, demographics, affordability and valuation.
Rental-investor attractiveness from yield, rent growth, appreciation, demographics and valuation.
Near-term price direction signal from recent appreciation, days on market, inventory and price cuts. A momentum read, not a guaranteed forecast.
Who is moving in and out of Santa Rosa
In 2022 to 2023, Santa Rosa County saw 8,192 households move in and 6,714 move out, a net of +1,478 households (+3,756 people). The households arriving reported about $80,188 in average income versus $66,631 for those leaving, so Santa Rosa is pulling in higher earners. Net, +$210M of annual income moved into the county.
Top states they moved from
TX 199AL 197VA 135CA 128GA 92Top states they moved to
AL 248TX 160CA 148VA 76NM 50Households approximate tax returns; people approximate exemptions; income is total adjusted gross income. Source: IRS Statistics of Income, county-to-county migration, 2022 to 2023.
New construction pipeline in Santa Rosa
In 2025, builders pulled permits for 1,929 new homes in Santa Rosa County: 1,929 single-family and 0 in multifamily buildings. That is down 2.7% from the year before. At 10.0 permits per 1,000 residents, new supply here is well above the Florida pace.
New homes permitted, 2021 to 2025
Privately-owned residential units authorized by building permits, reported plus imputed. Source: U.S. Census Bureau, Building Permits Survey, 2025.
Go deeper
Compare nearby counties:
Common questions
Is Santa Rosa County a buyer's or seller's market?
By our Momentum Market Score, Santa Rosa County reads strong buyer value (71 out of 100), meaning it is priced low against incomes with real negotiating room. The score blends value versus local incomes, price cuts, inventory growth, affordability and rent yield.
How much is a home worth in Santa Rosa County?
The typical home value is $350,872 (Zillow Home Value Index, 2026-06-09), up about 5.0% a year over the last five years.
Where does this data come from?
Home values and rent are from Zillow Research, days on market and listings from Realtor.com, income and population from the U.S. Census, and mortgage rates from Freddie Mac via FRED. Derived metrics and the Momentum Market Score are computed by Momentum Realty with a published methodology.
Data: Zillow Research (home value, rent), Realtor.com (days on market, listings), U.S. Census Bureau ACS (income, population), and Freddie Mac 30-Year Fixed Rate Mortgage Average [MORTGAGE30US] via FRED (rate). Momentum Market Score and derived metrics computed by Momentum Realty.
Thinking about Santa Rosa County?
A score is the 30,000-foot view. We live here. Talk to the founders about what the number means for a specific neighborhood, street, or budget.
Talk to the founders