Homes for Sale Under $300K in Niceville, FL
This page tracks every Niceville 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.
45 homes listed under $300,000 are for sale or pending in Niceville, FL today across 24 communities. The median asking price is $235,000, from $134,900 to $299,999. Listings in Niceville without that feature have a median of $580,000. Most listings right now: The Florida Club (6), The Florida Club (6), Lakeside Condo At Bluewater Bay (5). Updated October 2, 2026 from the MLS.
First-time buyers: what Niceville costs at the entry level
27 active single-family homes, townhomes and condos at or below $300,000 — median $245,000, about $1,541/mo principal & interest at 6.95% with 5% down. Live from the MLS, refreshed nightly.
Newest homes under $300K in Niceville
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.) |
|---|---|---|---|
| $150,000 | $943 | $794 | $12,000 |
| $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
Niceville 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 |
|---|---|---|---|---|
| The Florida Club | 6 | 0 | $222,450 | $210,000 |
| The Florida Club | 6 | 0 | $210,000 | $194,000 |
| Lakeside Condo At Bluewater Bay | 5 | 0 | $235,000 | $195,000 |
| Endicott Village | 3 | 0 | $279,000 | $272,000 |
| Rocky Bayou T/H | 2 | 0 | $292,160 | $285,000 |
| Cedar Ridge | 2 | 0 | $288,950 | $288,000 |
| Niceville | 2 | 0 | $268,500 | $258,000 |
| Royal Oak Villas Bluewater Bay | 2 | 0 | $259,750 | $245,000 |
| College Park Condo | 2 | 0 | $155,000 | $140,000 |
| no name | 1 | 0 | $299,999 | $299,999 |
| Niceville Pines | 1 | 0 | $295,500 | $295,500 |
| Marina Cove Village Ph 3 | 1 | 0 | $295,000 | $295,000 |
| Valparaiso Pinecrest 6 | 1 | 0 | $295,000 | $295,000 |
| Chacato Landing At B/B | 1 | 0 | $284,900 | $284,900 |
| Valparaiso Pinecrest 3 | 1 | 0 | $280,000 | $280,000 |
| Meigs S/D | 1 | 0 | $270,000 | $270,000 |
| Villa Jean Estates | 1 | 0 | $256,000 | $256,000 |
| Aletta Village | 1 | 0 | $225,000 | $225,000 |
| Shay Lin Town Homes | 1 | 0 | $206,000 | $206,000 |
| Florida Club | 1 | 0 | $180,000 | $180,000 |
| The Oaks At Niceville | 1 | 0 | $170,000 | $170,000 |
| Garden Oaks Condo Unit 5202 | 1 | 0 | $169,900 | $169,900 |
| Creekside 2 | 1 | 0 | $145,000 | $145,000 |
| Bayshore | 1 | 0 | $134,900 | $134,900 |
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 Niceville?
What do homes under $300K cost in Niceville?
Which Niceville community has the most homes under $300K for sale?
What is the monthly payment on a home under $300,000?
Keep exploring Niceville
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- Homes Under $300K in every city
Homes Under $300K in nearby Okaloosa County cities
- Crestview homes under $300K (239 for sale)
- Fort Walton Beach homes under $300K (150 for sale)
- Destin homes under $300K (86 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 Niceville, 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.