32566 (Navarre)
Housing Market & Home Values
Median sale price $479,900, up 23.6% year over year, with homes going under contract in about 40 days, 39 homes on the market.
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Housing Market Analyst
Inventory sits at 7.3 months of supply — heavy by the 3-to-6-month balanced benchmark, and 41% of listed homes are already under contract. Prices are up 23.6% versus the prior year and sellers are still collecting 96.3% of asking. Taken together, the data points to a broadly balanced market where preparation decides who wins.
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 — heavy supply keeps the pressure on sellers; softening is the path of least resistance.
- Inventory — tightening over the tracked window; watch whether that holds through the season.
- Negotiating power — sellers hold the leverage while 41% 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 32566 data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.
One inventory number hides four different markets
Months of supply = active listings ÷ monthly sales pace, bucketing communities by their recent median. 3–6 months is the balanced band.
The read on 32566 (Navarre)
The median sale price across 32566 currently stands at $479,900, up 23.6% from a year ago. Buyers are paying a median of $231 per square foot. The typical home goes under contract in about 40 days. Homes are selling for about 96.3% of their original asking price.
There are 39 active listings on the market, with 25 more already under contract. With 64 closed sales over the trailing 12 months (39 listings divided by 64 / 12), that works out to 7.3 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 32566 is 63 of 100 — balanced market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of November 12, 2026.
32566 since 2012 — and where it’s heading
A median home here sold for $194,715 in 2012 and $559,696 over the last recorded year — 187% appreciation across 14 years of recorded sales.
Median sale price · 2012–2026 (269 recorded sales)
Days on market by year
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 32566
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 · 9.7 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 most crowded shelf in the market. Sellers here are competing hardest — which means overpaying in this band is the most avoidable mistake in 32566 right now.
The tightest band — sellers in this range hold the most leverage, and buyers should walk in with financing done and terms clean.
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.
Nearby ZIP codes in Santa Rosa
| Market | Median | Active | Score | |
|---|---|---|---|---|
| 32566 ← this page | $480K | 39 | 63 | |
| 32583 | $320K | 95 | 59 | Open → |
| 32570 | $274K | 36 | 56 | Open → |
| 32571 | $375K | 33 | 75 | Open → |
| 32563 | $417K | 29 | 74 | Open → |
| 32561 | $768K | 10 | 66 | Open → |
Neighborhoods on the move
| Navarre BeachNavarre Beach | $988K | 17 |
| Captains CoveNavarre | $465K | 9 |
| Buckeyes LandingNavarre | $480K | 8 |
| Lighthouse PointeGulf Breeze | $444K | 3 |
| Navarre 2Nd AdditionNavarre | $387K | 2 |
| Buckeyes LandingNavarre | $480K | 17 days |
| Captains CoveNavarre | $465K | 19 days |
| Navarre BeachNavarre Beach | $988K | 79 days |
Cities in this ZIP
Most active communities
Put this data to work
The questions people actually ask
Should I buy a house in 32566 right now?
The data says conditions currently favor neither side decisively in 32566 — the Momentum Score reads 63/100 with 7.3 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.
Is 32566 becoming more affordable?
No — the median sale price in 32566 is $479,900, up 23.6% versus the prior year, while sellers still capture 96.3% of asking price. Rising prices mean waiting has a cost; affordability hinges mostly on your rate.
Which 32566 neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are Buckeyes Landing (17 days); Captains Cove (19 days); Navarre Beach (79 days) — homes there go under contract well ahead of the market-wide pace of 40 days.
32566 (Navarre) housing market FAQ
How is the housing market in 32566 right now?
As of November 12, 2026, the 32566 housing market favors sellers: the median sale price is $479,900 (up 23.6% year over year), 39 homes are for sale against 64 sales in the last 12 months, which is 7.3 months of supply, and the typical home goes under contract in about 40 days.
How much is a house in 32566?
The median home sold for $479,900 in 32566 over the last 12 months, about $231 per square foot; asking prices on the 39 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 32566?
By the numbers, sellers in 32566 are getting 96.3% of asking price and going under contract in about 40 days with 7.3 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 32566 housing market forecast?
Momentum Realty publishes the recorded trend, not a prediction: 32566 median sale prices are up 23.6% year over year, inventory stands at 7.3 months of supply, and 41% 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 32566?
The median sale price in 32566 is currently $479,900, up 23.6% from a year ago, based on MLS sales data updated November 12, 2026.
Is 32566 a buyer's or seller's market right now?
The data currently favors sellers. 32566 scores 63 of 100 on the Momentum Score, with 7.3 months of housing supply. Conditions change; this page updates daily.
How long do homes take to sell in 32566?
The typical home in 32566 goes under contract in about 40 days, per current MLS data.
How many homes are for sale in 32566?
There are approximately 39 active listings in 32566 as of November 12, 2026.
Are home prices in 32566 rising or falling?
Median sale prices are up 23.6% 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 32566 (Navarre). 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 12, 2026 at 5:37 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.
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