Homes for Sale Under $300K in Destin, FL
This page tracks every Destin listing with an asking price under $300,000, by community, with live counts and asking prices. Prices are asking prices from the MLS, not values, and the list changes with every refresh.
86 homes listed under $300,000 are for sale or pending in Destin, FL today across 31 communities. The median asking price is $246,500, from $169,900 to $299,900. Listings in Destin without that feature have a median of $669,950. Most listings right now: Gulf Terrace Condo (17), Indian Lake (15), Indian Lake (14). Updated October 2, 2026 from the MLS.
First-time buyers: what Destin costs at the entry level
68 active single-family homes, townhomes and condos at or below $300,000 — median $248,500, about $1,563/mo principal & interest at 6.95% with 5% down. Live from the MLS, refreshed nightly.
Newest homes under $300K in Destin
What the payment looks like
| Purchase price | P&I at 6.95%, 5% down | P&I, 20% down | Cash to close at 5% down (est.) |
|---|---|---|---|
| $200,000 | $1,258 | $1,059 | $16,000 |
| $250,000 | $1,572 | $1,324 | $20,000 |
| $300,000 | $1,887 | $1,589 | $24,000 |
Estimates only; taxes, insurance, HOA and mortgage insurance are on top. Closing costs assumed at 3%.
Down-payment assistance in Okaloosa County · First-time buyer guide
Destin homes under $300K by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Homes Under $300K | New build | Median list | From |
|---|---|---|---|---|
| Gulf Terrace Condo | 17 | 0 | $235,000 | $185,000 |
| Indian Lake | 15 | 0 | $221,750 | $169,900 |
| Indian Lake | 14 | 0 | $234,950 | $175,000 |
| The Palms Of Destin | 3 | 0 | $299,000 | $279,000 |
| Silver Dunes Condo | 3 | 0 | $289,000 | $285,000 |
| Sandpiper Cove Ph 01 | 2 | 0 | $286,500 | $285,000 |
| Indian Lake | 2 | 0 | $277,000 | $269,000 |
| Canal Place Ph 2 | 2 | 0 | $264,500 | $234,000 |
| Island Home Condo | 2 | 0 | $253,000 | $234,000 |
| Legion Village T/H | 2 | 0 | $240,500 | $229,000 |
| Indian Hills | 2 | 0 | $201,350 | $187,700 |
| The Palms Of Destin Resort & Conference Center | 1 | 0 | $299,000 | $299,000 |
| Magnolia Park | 1 | 0 | $295,000 | $295,000 |
| Sandpiper Cove Ph 14 | 1 | 0 | $290,000 | $290,000 |
| Sandpiper Cove Phase #1 Unit F Bldg 13 | 1 | 0 | $289,000 | $289,000 |
| Destin Racquet Club T/H | 1 | 0 | $285,000 | $285,000 |
| Sandpiper Cove Ph 13 | 1 | 0 | $285,000 | $285,000 |
| Canal Place Ph 1 | 1 | 0 | $280,000 | $280,000 |
| Quail Run | 1 | 0 | $275,000 | $275,000 |
| Gulf Terrace Condo | 1 | 0 | $271,000 | $271,000 |
| Sandalwood Manor 1St Addn | 1 | 0 | $262,500 | $262,500 |
| Sandpiper Cove | 1 | 0 | $260,000 | $260,000 |
| Sandpiper Cove Xv Unit 8143 Bldg K | 1 | 0 | $258,000 | $258,000 |
| Pine Ridge Trace Re/Sub | 1 | 0 | $249,000 | $249,000 |
| Gulf Terrace 02 | 1 | 0 | $248,000 | $248,000 |
| The Plaza | 1 | 0 | $245,000 | $245,000 |
| Pine Ridge Trace Resub | 1 | 0 | $230,000 | $230,000 |
| Sandpiper Cove | 1 | 0 | $229,000 | $229,000 |
| Indian Trail Condo | 1 | 0 | $224,900 | $224,900 |
| Century Park West | 1 | 0 | $199,900 | $199,900 |
| Indian Hills | 1 | 0 | $199,000 | $199,000 |
What under $300,000 buys and what to check
In this price band the differences between listings are usually age, size and condition rather than location alone, so read each listing’s year built, square footage and property type (a condo or manufactured home and a single-family home can sit at the same price with very different monthly costs). Budget the full monthly number, not the price: taxes, insurance, and HOA or CDD fees are all on each listing page, and our true cost of ownership calculator puts them into one figure. Insurance quotes on older roofs and older electrical can change which of two similar homes is actually cheaper.
Questions to ask about any listing in this band
How old is the roof, and will insurers write it? Is there a four-point inspection on file? What did the seller pay for insurance last year? In a condo, what are the dues, is there a special assessment or milestone inspection pending, and what do the reserves look like? Is the price a recent reduction, and how long has it been listed? A local agent who works the area will know which communities in this band have the fewest surprises at inspection.
Common questions
How many homes listed under $300,000 are for sale in Destin?
What do homes under $300K cost in Destin?
Which Destin community has the most homes under $300K for sale?
What is the monthly payment on a home under $300,000?
Keep exploring Destin
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- Destin homes $300K–$500K
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Homes Under $300K in nearby Okaloosa County cities
- Crestview homes under $300K (239 for sale)
- Fort Walton Beach homes under $300K (150 for sale)
- Niceville homes under $300K (45 for sale)
- Mary Esther homes under $300K (32 for sale)
- Laurel Hill homes under $300K (22 for sale)
- Shalimar homes under $300K (18 for sale)
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 under $300,000. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.