Little Torch Key
Housing Market
Median sale price $750,000, down 4.7% year over year, with homes going under contract in about 72 days, 16 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 4.7 months of supply — balanced by the 3-to-6-month balanced benchmark. Prices are down 4.7% versus the prior year, but sellers are still collecting 92.8% 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.
- Prices — balanced supply argues for a sideways market; condition and pricing decide individual outcomes.
- Inventory — building over the tracked window; watch whether that holds through the season.
- Mortgage sensitivity — at 11.0× income, this market is highly sensitive to rate moves; rate relief tends to show up in demand here quickly.
Derived from current Little Torch Key data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.
The read on Little Torch Key
The median sale price across Little Torch Key currently stands at $750,000, down 4.7% from a year ago. The typical home goes under contract in about 72 days. Homes are selling for about 92.8% of their original asking price.
There are 16 active listings on the market, with 2 more already under contract. With 41 closed sales over the trailing 12 months (16 listings divided by 41 / 12), that works out to 4.7 months of supply — roughly balanced conditions by the 3-to-6-month balanced band.
Little Torch Key prices sit below the Monroe County median by roughly 17%. Zillow's home value index for Monroe County stands at $962,885. About 17% 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 Little Torch Key is 47 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 · Monroe County (Zillow ZHVI)
For-sale inventory · county (Zillow)
Daily active vs pending · Monroe County (MLS)
Median price · daily recalculation
What’s driving Little Torch Key
Top inbound states: CA, IL, MD. Movers arriving report ~$170,384 average income. Source: IRS SOI county-to-county migration, 2022-2023
16,693 Citizens personal-lines policies in Monroe County; average premium $6,671 before the 2026 change, $6,463 after (-3.1%). Citizens is the state-backed insurer of last resort; budget insurance into any Monroe purchase. Source: Citizens Property Insurance Corporation, 2026 Approved Rate Changes by County (ALL PERSONAL LINES COMBINED table).
239 single-family · 40 multi-family · 3.4 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
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 across Monroe County
| Market | Median | Active | Score | |
|---|---|---|---|---|
| Little Torch Key ← this page | $750K | — | 47 | |
| Forsyth | $389K | 18 | 43 | Open → |
Little Torch Key ZIP codes
Most active communities
More on Little Torch Key
Put this data to work
The questions people actually ask
Should I buy a house in Little Torch Key right now?
The data says conditions currently favor neither side decisively in Little Torch Key — the Momentum Score reads 47/100 with 4.7 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 Little Torch Key becoming more affordable?
Yes, modestly — the median sale price in Little Torch Key is $750,000, down 4.7% versus the prior year, while sellers still capture 92.8% 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.
How does Little Torch Key compare to the rest of Monroe County?
Little Torch Key's median of $750,000 runs 17% below the county-wide median of $900,000, and homes here take 72 days to go under contract versus 82 county-wide.
Little Torch Key housing market FAQ
How is the housing market in Little Torch Key right now?
As of November 11, 2026, the Little Torch Key housing market is roughly balanced: the median sale price is $750,000 (down 4.7% year over year), 16 homes are for sale against 41 sales in the last 12 months, which is 4.7 months of supply, and the typical home goes under contract in about 72 days.
How much is a house in Little Torch Key?
The median home sold for $750,000 in Little Torch Key over the last 12 months; asking prices on the 16 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 Little Torch Key?
By the numbers, sellers in Little Torch Key are getting 92.8% of asking price and going under contract in about 72 days with 4.7 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 Little Torch Key housing market forecast?
Momentum Realty publishes the recorded trend, not a prediction: Little Torch Key median sale prices are down 4.7% year over year, inventory stands at 4.7 months of supply. 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 Little Torch Key?
The median sale price in Little Torch Key is currently $750,000, down 4.7% from a year ago, based on MLS sales data updated November 11, 2026.
Is Little Torch Key a buyer's or seller's market right now?
The data currently is roughly balanced. Little Torch Key scores 47 of 100 on the Momentum Score, with 4.7 months of housing supply. Conditions change; this page updates daily.
How long do homes take to sell in Little Torch Key?
The typical home in Little Torch Key goes under contract in about 72 days, per current MLS data.
How many homes are for sale in Little Torch Key?
There are approximately 16 active listings in Little Torch Key as of November 11, 2026.
Are home prices in Little Torch Key rising or falling?
Median sale prices are down 4.7% 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 Little Torch Key. 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.
<a href="https://movewithmomentum.com/market/little-torch-key">Little Torch Key Housing Market: Median $750K, -4.7% YoY — Momentum Realty</a>