Methodology & Sources
Florida Buyer Opportunity Index™: Methodology
Last updated June 27, 2026 · Updated daily.
The Florida Buyer Opportunity Index is a daily 0–100 score that measures how favorable Florida's housing market is to home buyers. It is aggregated across all 67 Florida counties and weighted by each county's active inventory — so the statewide number reflects where listings actually are, not just an unweighted county average. A higher score means a better environment for buyers; a lower score favors sellers.
What it measures
The statewide Index is the inventory-weighted average of every county's 0–100 buyer-value score. Each county's score combines five components, each capturing a distinct dimension of buyer opportunity:
- Cheapness / valuation — how a county's typical home value compares to its own affordability norms and to the rest of Florida; under-valued markets score higher.
- Price-cut activity — the share of active listings that have reduced their asking price; more cuts signal softening seller pricing power.
- Inventory growth — year-over-year change in active listings; rising supply gives buyers more choice and leverage.
- Affordability — the typical home value measured against local median household income and the prevailing mortgage rate.
- Cap rate (rental yield) — estimated gross rental yield, a check on whether prices are supported by income the property can produce.
Data sources
The Index is built entirely from public and commercially available housing data, refreshed on a fixed cadence:
- Zillow — ZHVI (typical home value), active inventory, and price-cut share.
- Realtor.com — median days on market, active and new listing counts, and median list price.
- Freddie Mac PMMS — the benchmark 30-year fixed mortgage rate used in the affordability component.
- U.S. Census — median household income, used to anchor affordability to local earnings.
All four feeds are ingested and the Index is rebuilt daily through Momentum's automated data pipeline.
How to read it
The Index runs on a simple 0–100 scale. Use these bands to interpret any score, statewide or county-level:
- 0–40 Sellers favored
- 40–55 Balanced
- 55–70 Buyers gaining
- 70–100 Strong buyer's market
The score is relative: it ranks Florida counties against one another and against long-run affordability norms. It is not a price prediction and does not forecast what any individual home will sell for.
Biggest Movers
"Biggest Movers" reports the month-over-month change in buyer leverage by county, computed from each county's real price-cut and inventory history. It highlights where the market is opening up for buyers fastest and where it is tightening.
Cite this index
Example attribution
“Momentum Realty's Florida Buyer Opportunity Index stood at 41 of 100 in June 2026, indicating a balanced statewide market.”
Please attribute the Index to Momentum Realty (movewithmomentum.com) and link back to this methodology page: movewithmomentum.com/florida-buyer-opportunity-index.
Media contact: jon@movewithmomentum.com · Press & media
Limitations
Months-of-supply is approximated via days-on-market because closed-sales counts are not present in the underlying feeds, so the supply read is an estimate rather than a closed-transaction measure. County scores can be volatile in low-inventory rural counties, where a handful of listings can swing a component sharply month to month. The Index is published for informational purposes only and is not investment advice; buyers and investors should consult a licensed professional before making decisions.