Gulf County
Housing Market
Median sale price $439,900, down 8.9% year over year, with homes going under contract in about 103 days.
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Housing Market Analyst
Prices are down 8.9% versus the prior year, but sellers are still collecting 92.5% 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.
- Mortgage sensitivity — at 6.1× income, this market is highly sensitive to rate moves; rate relief tends to show up in demand here quickly.
Derived from current Gulf County data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.
Where Gulf County is hot — and where it isn't
Each dot is a community (10 shown, sized by sales volume rank). Click any dot to open its full neighborhood guide.
The read on Gulf County
The median sale price across Gulf County currently stands at $439,900, down 8.9% from a year ago. The typical home goes under contract in about 103 days. Sellers are capturing 92.5% of their original asking price on average.
Zillow's home value index for Gulf County stands at $409,562. About 19% 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 Gulf County is 33 of 100 — soft market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of August 6, 2026.
Where the market is heading
Home value trend · Gulf County (Zillow ZHVI)
For-sale inventory · county (Zillow)
What’s driving Gulf County
Movers arriving report ~$110,403 average income. Source: IRS SOI county-to-county migration, 2022-2023
74 Citizens policies in force in Gulf County — the state-backed insurer of last resort. Budget insurance into any Gulf purchase before you fall in love with a house. Source: Citizens Property Insurance, Detail by County, April 2026
302 single-family · 0 multi-family · 20.4 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.
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.
How it stacks up against neighboring counties
| Market | Median | Active | Score | |
|---|---|---|---|---|
| Gulf County ← this page | $440K | — | 33 | |
| Bay County | $362K | — | 50 | Open → |
| Washington County | $228K | — | 59 | Open → |
| Jackson County | $245K | — | 44 | Open → |
| Holmes County | $180K | — | 69 | Open → |
Neighborhoods on the move
Cities in Gulf County
ZIP codes
Most active communities
Put this data to work
The questions people actually ask
Should I buy a house in Gulf County right now?
The data says conditions currently favor buyers in Gulf County — the Momentum Score reads 33/100. 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 Gulf County becoming more affordable?
Yes, modestly — the median sale price in Gulf County is $439,900, down 8.9% versus the prior year, while sellers still capture 92.5% of asking price. Softening prices plus normal-length marketing times mean affordability is improving at the margin, though financing costs matter more than list prices for most monthly payments.
Where are prices falling fastest in Gulf County?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are Windmark (-8%). Note that community-level medians move on small sale counts — a few high- or low-end closings can swing them — so treat these as leads for a comp analysis, not verdicts.
Which Gulf County neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are Windmark (100 days) — homes there go under contract well ahead of the market-wide pace of 103 days.
Gulf County housing market FAQ
What is the median home price in Gulf County?
The median sale price in Gulf County is currently $439,900, down 8.9% from a year ago, based on MLS sales data updated August 6, 2026.
Is Gulf County a buyer's or seller's market right now?
The data currently favors buyers. Gulf County scores 33 of 100 on the Momentum Score. Conditions change; this page updates daily.
How long do homes take to sell in Gulf County?
The typical home in Gulf County goes under contract in about 103 days, per current MLS data.
Are home prices in Gulf County rising or falling?
Median sale prices are down 8.9% 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 Gulf County. 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 live listing counts refreshed twice daily; 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: August 6, 2026 at 7:18 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.