Holmes County
Housing Market
Median sale price $170,000, up 1.8% year over year, with homes going under contract in about 56 days, 56 homes on the market.
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Housing Market Analyst
22% of listed homes are already under contract. Prices are up 1.8% versus the prior year and sellers are still collecting 94.3% 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 neither side decisively.
- Inventory — building over the tracked window; watch whether that holds through the season.
- Negotiating power — buyers gain ground as 22% of inventory sits under contract.
- Mortgage sensitivity — at 3.9× income, this market is moderately sensitive to rate moves; rate relief tends to show up in demand here gradually.
Derived from current Holmes County data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.
The read on Holmes County
The median sale price across Holmes County currently stands at $170,000, up 1.8% from a year ago. The typical home goes under contract in about 56 days. Sellers are capturing 94.3% of their original asking price on average.
There are 56 active listings on the market, with 10 more already under contract.
Zillow's home value index for Holmes County stands at $187,642. About 15% 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 Holmes County is 50 of 100 — balanced market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of September 15, 2026.
Holmes County since 2016 — and where it’s heading
A median home here sold for $47,155 in 2016 and $199,473 over the last recorded year — 323% appreciation across 10 years of recorded sales.
Median sale price · 2016–2026 (167 recorded sales)
Days on market by year
Home value trend · Holmes County (Zillow ZHVI)
For-sale inventory · county (Zillow)
Daily active vs pending · Holmes County (MLS)
Median price · daily recalculation
What’s driving Holmes County
Top inbound states: AL. Movers arriving report ~$46,713 average income. Source: IRS SOI county-to-county migration, 2022-2023
89 Citizens policies in force in Holmes County — the state-backed insurer of last resort. Budget insurance into any Holmes purchase before you fall in love with a house. Source: Citizens Property Insurance, Detail by County, April 2026
12 single-family · 0 multi-family · 0.6 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.
Both sides have a case: buyers should negotiate on days-on-market, sellers should lean on the under-contract rate. Preparation, not the market, decides who wins a balanced tape.
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 | |
|---|---|---|---|---|
| Holmes County ← this page | $170K | 56 | 50 | |
| Washington County | $228K | 159 | 58 | Open → |
| Jackson County | $439K | 968 | 53 | Open → |
| Walton County | $550K | 3,141 | 43 | Open → |
| Okaloosa County | $365K | 1,784 | 51 | Open → |
Neighborhoods on the move
Cities in Holmes County
ZIP codes
Most active communities
Put this data to work
The questions people actually ask
Should I buy a house in Holmes County right now?
The data says conditions currently favor neither side decisively in Holmes County — the Momentum Score reads 50/100. 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 Holmes County becoming more affordable?
No — the median sale price in Holmes County is $170,000, up 1.8% versus the prior year, while sellers still capture 94.3% of asking price. Rising prices mean waiting has a cost; affordability hinges mostly on your rate.
Where are prices falling fastest in Holmes County?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are Bonifay (2%). 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 Holmes County neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are Bonifay (59 days) — homes there go under contract well ahead of the market-wide pace of 56 days.
Holmes County housing market FAQ
How is the housing market in Holmes County right now?
As of September 15, 2026, the Holmes County housing market is roughly balanced: the median sale price is $170,000 (up 1.8% year over year), 56 homes are for sale, and the typical home goes under contract in about 56 days.
How much is a house in Holmes County?
The median home sold for $170,000 in Holmes County over the last 12 months; asking prices on the 56 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 Holmes County?
By the numbers, sellers in Holmes County are getting 94.3% of asking price and going under contract in about 56 days. 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 Holmes County housing market forecast?
Momentum Realty publishes the recorded trend, not a prediction: Holmes County median sale prices are up 1.8% year over year, and 22% 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 Holmes County?
The median sale price in Holmes County is currently $170,000, up 1.8% from a year ago, based on MLS sales data updated September 15, 2026.
Is Holmes County a buyer's or seller's market right now?
The data currently is roughly balanced. Holmes County scores 50 of 100 on the Momentum Score. Conditions change; this page updates daily.
How long do homes take to sell in Holmes County?
The typical home in Holmes County goes under contract in about 56 days, per current MLS data.
How many homes are for sale in Holmes County?
There are approximately 56 active listings in Holmes County as of September 15, 2026.
Are home prices in Holmes County rising or falling?
Median sale prices are up 1.8% 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 Holmes 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: September 15, 2026 at 7:33 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.