Homes for Sale $300K to $500K in Destin, FL

This page tracks every Destin listing with an asking price between $300,000 and $500,000, by community, with live counts and asking prices. Prices are asking prices from the MLS, not values, and the list changes with every refresh.

305 homes listed between $300,000 and $500,000 are for sale or pending in Destin, FL today across 161 communities. The median asking price is $399,000, from $300,000 to $499,999. Listings in Destin without that feature have a median of $962,450. Most listings right now: The Palms Of Destin (38), Jetty East Condo (13), Palm Street Townhomes (9). Updated September 11, 2026 from the MLS.

Destin homes $300K–$500K by community

Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale. The 60 communities with the most homes $300K–$500K listed are tabled; the rest follow.

Community	Homes $300K–$500K	Median list	From
The Palms Of Destin	38	$339,825	$300,000
	13	$370,000	$315,000
Palm Street Townhomes	9	$406,679	$374,900
	6	$391,405	$368,986
Capri by the Gulf	5	$455,000	$445,000
	5	$399,900	$385,000
	5	$375,000	$359,000
Sandpiper Cove Ph 01	5	$360,000	$329,000
Diamond Lakes	4	$453,000	$429,999
	4	$445,000	$425,000
	4	$442,500	$399,900
Sterling Shores	4	$437,450	$385,000
St Martin Beachwalk Villas	4	$436,450	$338,000
	4	$403,000	$389,900
Harbor Place Townhomes	4	$389,499	$377,000
	4	$362,500	$309,000
	3	$464,900	$398,000
Twin Lakes Estates	3	$450,000	$425,000
	3	$444,900	$439,000
South Bay By The Gulf	3	$424,900	$399,000
	3	$375,000	$319,000
	3	$374,999	$365,000
	3	$359,000	$330,000
The Oaks at Old Town	2	$499,200	$499,200
	2	$496,950	$494,900
Terrace At Pelican Beach	2	$486,000	$475,000
	2	$486,000	$475,000
	2	$477,500	$465,000
	2	$471,250	$467,500
	2	$467,000	$445,000
	2	$454,999	$410,000
	2	$429,000	$409,000
	2	$427,000	$359,000
	2	$422,450	$394,900
	2	$421,000	$347,000
	2	$415,000	$335,000
	2	$395,000	$390,000
Chateau La Mer II Phase II	2	$394,000	$389,000
Sandpiper Cove Ph 20	2	$392,000	$379,000
Quiet Wood	2	$391,950	$384,000
	2	$387,450	$369,900
	2	$371,375	$335,000
Sandpiper Cove	2	$367,450	$349,900
	2	$367,450	$349,900
	2	$367,000	$345,000
Century Park West	2	$347,000	$319,000
Sandpiper Cove Ph 03	2	$335,000	$335,000
Old Bay T/H	2	$316,950	$309,000
Kelly Homes S/D	1	$499,995	$499,995
Indian Lake Ph 3	1	$499,500	$499,500
	1	$499,200	$499,200
Sea Hills 1St	1	$499,000	$499,000
	1	$499,000	$499,000
	1	$499,000	$499,000
	1	$499,000	$499,000
Eastwood 1St Addn	1	$499,000	$499,000
St. Martin Beach Villas	1	$499,000	$499,000
Ridge Wood Manor	1	$495,000	$495,000
Spring Lake #2	1	$490,000	$490,000
	1	$489,999	$489,999

Also with homes $300K–$500K for sale

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Emerald Grande (1)
Indian Woods (1)
Calusa Bay S/D (1)
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Kellys 3rd Addn to Destin (1)
Tuscany S/D (1)
Sea Hills 3Rd (1)
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Gulf Manor 1St Addn (1)
Kell-Aire Gardens 2Nd Addn (1)
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Southbay By The Gulf Unit F-1 (1)
Southbay By The Gulf (1)
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Harbor Breeze (1)
Edgewood To Destin (1)
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Kell-Aire Gardens (1)
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Tuscan Village TH (1)
Holiday Surf & Racquet Club (1)
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Eastwood 9Th Addn (1)
Gulf Manor S/D (1)
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Sandpiper Cove Ph 11 (1)
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Destin Oaks (1)
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Legion Cove S/D (1)
Twin Lakes (1)
Alerio (1)
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Eastwood (1)
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Magnolia House (1)
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Sandpiper Cove Phase #1 Unit B Bldg 14 (1)
Kellys 3Rd Addn To Destin (1)
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Sea Hills 2Nd (1)
Sandpiper Cove Phase XII (1)
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Isla Blanca T/H (1)
Etretat Villa (1)
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Luau Ii (1)
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Harbor Place (1)
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Nautical Way (1)
Sandpiper Cove Phase 01 (1)
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Calhoun S/D To Destin (1)
Sundestin (1)
Magnolia Park Ph 1 (1)
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Indian Oaks (1)
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Quail Lake (1)
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Mikstakel Townhomes (1)
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Quail Hollow (1)
The Plaza (1)
Indian Lake (1)
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Quail Run (1)
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Destin Racquet Club T/H (1)
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Magnolia Park (1)
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Where this band sits in the market

The answer block above shows how the median of this band compares with the rest of the city’s listings, which tells you whether $300,000–$500,000 is the middle of the market here or the top of it. Within the band, compare on price per square foot and year built: newer subdivisions usually price higher per foot with lower expected maintenance, older ones the reverse. Each community page carries the HOA and CDD picture, the year-built range and the sales history, so two homes at the same price can be told apart in a few minutes.

Questions to ask about any listing in this band

What are the total monthly carrying costs (taxes, insurance, HOA, CDD) and how do they compare with a similar home two communities over? What is the age of the roof, HVAC and water heater? Is the community’s HOA financially healthy (reserves, no pending assessment)? How many days has the listing been on the market and has the price moved? A local agent who works the area will know which communities in this band are trading at asking and which are negotiating.

Common questions

How many homes listed between $300,000 and $500,000 are for sale in Destin?

As of September 11, 2026, 305 Destin, FL listings whose MLS record reports an asking price between $300,000 and $500,000 are active or pending, across 161 communities. The count updates with every MLS refresh.

What do homes $300K–$500K cost in Destin?

The median asking price today is $399,000, with listings from $300,000 to $499,999. Destin listings without that feature have a median of $962,450.

Which Destin community has the most homes $300K–$500K for sale?

The Palms Of Destin has the most right now (38), followed by Jetty East Condo (13), Palm Street Townhomes (9), Palm Street Townhomes (6).

What is the monthly payment on a $400,000 home?

At today’s rates with 20% down, principal and interest on a $400,000 purchase runs roughly $2,000–$2,300 a month before taxes, insurance and any HOA; each listing page shows the property tax and fees for that home, and the true-cost calculator turns them into one monthly figure.

Keep exploring Destin

Live data: Emerald Coast AOR, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Destin, FL whose MLS record reports an asking price between $300,000 and $500,000. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.

Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate.