32565 (Jay)
Housing Market & Home Values
Median sale price $409,000, with homes going under contract in about 74 days, 10 homes on the market.
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Housing Market Analyst
Inventory sits at 9.2 months of supply — heavy by the 3-to-6-month balanced benchmark, and 19% of listed homes are already under contract. sellers are still collecting 98.2% of asking. Taken together, the data leans toward buyers — leverage is real for those ready to use it.
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 buyers.
- Inventory — tightening over the tracked window; watch whether that holds through the season.
- Negotiating power — buyers gain ground as 19% of inventory sits under contract.
- Mortgage sensitivity — at 3.8× income, this market is moderately sensitive to rate moves; rate relief tends to show up in demand here gradually.
Derived from current 32565 data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.
The read on 32565 (Jay)
The median sale price across 32565 currently stands at $409,000. Buyers are paying a median of $195 per square foot. The typical home goes under contract in about 74 days. Homes are selling for about 98.2% of their original asking price.
There are 10 active listings on the market, with 2 more already under contract. With 13 closed sales over the trailing 12 months (10 listings divided by 13 / 12), that works out to 9.2 months of supply — a buyer-leaning market by the 3-to-6-month balanced band.
Zillow's home value index for Santa Rosa County stands at $350,823. About 27% 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 32565 is 40 of 100 — buyer's opportunity territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of November 11, 2026.
Where the market is heading
Home value trend · Santa Rosa County (Zillow ZHVI)
For-sale inventory · county (Zillow)
Daily active vs pending · Santa Rosa County (MLS)
Median price · daily recalculation
What’s driving 32565
Top inbound states: TX, AL, VA, CA. Movers arriving report ~$80,188 average income. Source: IRS SOI county-to-county migration, 2022-2023
4,471 Citizens personal-lines policies in Santa Rosa County; average premium $3,668 before the 2026 change, $3,599 after (-1.9%). Citizens is the state-backed insurer of last resort; budget insurance into any Santa Rosa purchase. Source: Citizens Property Insurance Corporation, 2026 Approved Rate Changes by County (ALL PERSONAL LINES COMBINED table).
1,929 single-family · 0 multi-family · 10.0 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
Buyers: ask for concessions — rate buydowns and repair credits are back on the table. Sellers: presentation and the first two weekends decide your outcome; price accordingly.
Generated from today’s data by Momentum’s analysis engine and reviewed on a rolling basis by our broker team.
Cities in this ZIP
Most active communities
Put this data to work
The questions people actually ask
Should I buy a house in 32565 right now?
The data says conditions currently favor buyers in 32565 — the Momentum Score reads 40/100 with 9.2 months of supply. For buyers that means preparation over hesitation: well-priced homes still move fast, but there is more room to negotiate than a year ago. The right timing always depends on your rate, your equity, and how long you plan to stay — not just the market.
32565 (Jay) housing market FAQ
How is the housing market in 32565 right now?
As of November 11, 2026, the 32565 housing market favors buyers: the median sale price is $409,000, 10 homes are for sale against 13 sales in the last 12 months, which is 9.2 months of supply, and the typical home goes under contract in about 74 days.
How much is a house in 32565?
The median home sold for $409,000 in 32565 over the last 12 months, about $195 per square foot; asking prices on the 10 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 32565?
By the numbers, sellers in 32565 are getting 98.2% of asking price and going under contract in about 74 days with 9.2 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 median home price in 32565?
The median sale price in 32565 is currently $409,000, based on MLS sales data updated November 11, 2026.
Is 32565 a buyer's or seller's market right now?
The data currently favors buyers. 32565 scores 40 of 100 on the Momentum Score, with 9.2 months of housing supply. Conditions change; this page updates daily.
How long do homes take to sell in 32565?
The typical home in 32565 goes under contract in about 74 days, per current MLS data.
How many homes are for sale in 32565?
There are approximately 10 active listings in 32565 as of November 11, 2026.
Momentum agents use this intelligence every day to price listings and write winning offers across 32565 (Jay). 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.