32564 (Holt)
Housing Market & Home Values
Median sale price $364,500, up 28.2% year over year, with homes going under contract in about 55 days, 5 homes on the market.
Momentum
Your exact situation run against today's numbers: true comps, negotiation targets, and the off-market homes portals never show.
Selling instead? See what your home is worth today →
Housing Market Analyst
Inventory sits at 2.3 months of supply — tight by the 3-to-6-month balanced benchmark, and 14% of listed homes are already under contract. Prices are up 28.2% versus the prior year and sellers are still collecting 96.5% of asking. Taken together, the data points to a seller-leaning market.
Who has leverage right now
Leverage scores are derived from the Momentum Score (supply, demand, speed, pricing power, and trend). Right now the data favors sellers.
- Prices — pressure remains upward while supply stays this thin.
- Inventory — tightening over the tracked window; watch whether that holds through the season.
- Negotiating power — sellers hold the leverage while 14% of inventory sits under contract.
- Mortgage sensitivity — at 4.3× income, this market is moderately sensitive to rate moves; rate relief tends to show up in demand here quickly.
Derived from current 32564 data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.
The read on 32564 (Holt)
The median sale price across 32564 currently stands at $364,500, up 28.2% from a year ago. Buyers are paying a median of $236 per square foot. The typical home goes under contract in about 55 days. Homes are selling for about 96.5% of their original asking price.
There are 5 active listings on the market, with 3 more already under contract. With 26 closed sales over the trailing 12 months (5 listings divided by 26 / 12), that works out to 2.3 months of supply — a seller-leaning market by the 3-to-6-month balanced band.
Zillow's home value index for Okaloosa County stands at $352,929. About 24% of listings county-wide have taken a price cut — a useful gauge of seller flexibility.
Weighing supply, demand, speed, pricing power, and trend together, the Momentum Score for 32564 is 66 of 100 — healthy market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of November 11, 2026.
32564 since 2012 — and where it’s heading
A median home here sold for $174,900 in 2012 and $391,837 over the last recorded year — 124% appreciation across 14 years of recorded sales.
Median sale price · 2012–2026 (328 recorded sales)
Days on market by year
Home value trend · Okaloosa County (Zillow ZHVI)
For-sale inventory · county (Zillow)
Daily active vs pending · Okaloosa County (MLS)
Median price · daily recalculation
What’s driving 32564
Top inbound states: TX, CA, AL, NC. Movers arriving report ~$72,311 average income. Source: IRS SOI county-to-county migration, 2022-2023
6,425 Citizens personal-lines policies in Okaloosa County; average premium $3,318 before the 2026 change, $3,238 after (-2.4%). Citizens is the state-backed insurer of last resort; budget insurance into any Okaloosa purchase. Source: Citizens Property Insurance Corporation, 2026 Approved Rate Changes by County (ALL PERSONAL LINES COMBINED table).
987 single-family · 70 multi-family · 4.9 per 1,000 residents. Future supply pressure starts here. Source: U.S. Census Bureau, Building Permits Survey, 2025
The calls we’re making from today’s data
The sharpest 1-yr median swing among tracked communities. Thin samples can exaggerate swings — verify with a comp analysis before treating it as trend.
Sellers: price to the last 60 days of comps, not the peak — well-prepared listings are still commanding strong terms. Buyers: get underwritten now so you can move when the right house hits.
Generated from today’s data by Momentum’s analysis engine and reviewed on a rolling basis by our broker team.
Neighborhoods on the move
| NORTH SUPERGROUPHolt | $364K | ▲ 12% |
No tracked community with enough sales fell in price over the past year.
| Lighthouse PointeGulf Breeze | $444K | 3 |
| NORTH SUPERGROUPHolt | $364K | 1 |
| NORTH SUPERGROUPHolt | $364K | 64 days |
Cities in this ZIP
Most active communities
Put this data to work
The questions people actually ask
Should I buy a house in 32564 right now?
The data says conditions currently favor sellers in 32564 — the Momentum Score reads 66/100 with 2.3 months of supply. Buyers should come fully underwritten; sellers still set the pace here. The right timing always depends on your rate, your equity, and how long you plan to stay — not just the market.
Is 32564 becoming more affordable?
No — the median sale price in 32564 is $364,500, up 28.2% versus the prior year, while sellers still capture 96.5% of asking price. Rising prices mean waiting has a cost; affordability hinges mostly on your rate.
Which 32564 neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are NORTH SUPERGROUP (64 days) — homes there go under contract well ahead of the market-wide pace of 55 days.
32564 (Holt) housing market FAQ
How is the housing market in 32564 right now?
As of November 11, 2026, the 32564 housing market favors sellers: the median sale price is $364,500 (up 28.2% year over year), 5 homes are for sale against 26 sales in the last 12 months, which is 2.3 months of supply, and the typical home goes under contract in about 55 days.
How much is a house in 32564?
The median home sold for $364,500 in 32564 over the last 12 months, about $236 per square foot; asking prices on the 5 current listings run from well below to well above that, and the community pages linked below show what each neighborhood actually sells for.
Is it a good time to sell a house in 32564?
By the numbers, sellers in 32564 are getting 96.5% of asking price and going under contract in about 55 days with 2.3 months of supply. Under three months of supply generally favors sellers, three to six is balanced, and over six favors buyers. Whether it is a good time for you depends on what you paid and where you are going next, which is a conversation with an agent, not a chart.
What is the 32564 housing market forecast?
Momentum Realty publishes the recorded trend, not a prediction: 32564 median sale prices are up 28.2% year over year, inventory stands at 2.3 months of supply, and 14% of listings are under contract. The charts on this page update with every MLS refresh, so the direction shows up here before any forecast catches it.
What is the median home price in 32564?
The median sale price in 32564 is currently $364,500, up 28.2% from a year ago, based on MLS sales data updated November 11, 2026.
Is 32564 a buyer's or seller's market right now?
The data currently favors sellers. 32564 scores 66 of 100 on the Momentum Score, with 2.3 months of housing supply. Conditions change; this page updates daily.
How long do homes take to sell in 32564?
The typical home in 32564 goes under contract in about 55 days, per current MLS data.
How many homes are for sale in 32564?
There are approximately 5 active listings in 32564 as of November 11, 2026.
Are home prices in 32564 rising or falling?
Median sale prices are up 28.2% year over year based on a rolling comparison of MLS sales.
Momentum agents use this intelligence every day to price listings and write winning offers across 32564 (Holt). Talk through what the numbers mean for your move.
Every number on this page is computed directly from licensed Florida MLS feeds, recorded public sales, Zillow Research, and U.S. Census data — nothing is manually adjusted or estimated by hand. Medians use recorded closed sales; supply figures use the MLS listing counts from the last data refresh (date below); the Momentum Score methodology is summarized .
Analyst oversight: Jon Brooks — Co-Founder, Momentum Realty · CEO, Momentum Research · Housing Market Analyst · methodology reviewed quarterly · Last data refresh: November 11, 2026 at 3:52 PM ET
Statistics on this page are computed automatically from licensed MLS feeds and public data sources (Zillow Research, U.S. Census Bureau) and summarized without manual review. Figures are estimates based on recent recorded activity, are deemed reliable but not guaranteed, and should be verified with a licensed agent before making decisions. This page does not constitute an appraisal or an automated valuation of any specific property. Momentum Realty is licensed in Florida and Georgia. Equal Housing Opportunity.