Mary Esther
Housing Market
Median sale price $319,900, down 2.9% year over year, with homes going under contract in about 60 days, 46 homes on the market.
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Housing Market Analyst
Prices are down 2.9% versus the prior year, but sellers are still collecting 97.1% 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.
- Mortgage sensitivity — at 4.5× income, this market is moderately sensitive to rate moves; rate relief tends to show up in demand here quickly.
Derived from current Mary Esther 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.
Where Mary Esther is hot — and where it isn't
Each dot is a community (20 shown, sized by sales volume rank). Click any dot to open its full neighborhood guide.
The read on Mary Esther
The median sale price across Mary Esther currently stands at $319,900, down 2.9% from a year ago. The typical home goes under contract in about 60 days. Sellers are capturing 97.1% of their original asking price on average.
There are 46 active listings on the market, with 18 more already under contract.
Mary Esther prices sit below the Okaloosa County median by roughly 12%. Zillow's home value index for Okaloosa County stands at $357,488. About 25% 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 Mary Esther is 58 of 100 — balanced market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of August 6, 2026.
Mary Esther since 2012 — and where it’s heading
A median home here sold for $151,285 in 2012 and $315,835 over the last recorded year — 109% appreciation across 14 years of recorded sales.
Median sale price · 2012–2026 (1,002 recorded sales)
Days on market by year
Cash buyers · share of sales
Home value trend · Okaloosa County (Zillow ZHVI)
For-sale inventory · county (Zillow)
What’s driving Mary Esther
Top inbound states: TX, CA, AL, NC. Movers arriving report ~$72,311 average income. Source: IRS SOI county-to-county migration, 2022-2023
1,101 Citizens policies in force in Okaloosa County — the state-backed insurer of last resort. Budget insurance into any Okaloosa purchase before you fall in love with a house. Source: Citizens Property Insurance, Detail by County, April 2026
987 single-family · 70 multi-family · 4.9 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 across Okaloosa County
| Market | Median | Active | Score | |
|---|---|---|---|---|
| Mary Esther ← this page | $320K | 46 | 58 | |
| Destin | $704K | 347 | 33 | Open → |
| Crestview | $321K | 204 | 46 | Open → |
| Fort Walton Beach | $365K | 74 | 70 | Open → |
| Niceville | $552K | 46 | 72 | Open → |
| Shalimar | $432K | 30 | 68 | Open → |
Neighborhoods on the move
| WATERFORD ESTATES S/DMary Esther | $345K | ▲ 5% |
| WYNNEHAVEN BEACH ESTATESMary Esther | $322K | ▲ 1% |
| CHATEAU PRES DE LA MERMary Esther | $310K | ▲ -8% |
| CHATEAU PRES DE LA MERMary Esther | $310K | ▼ 8% |
| WYNNEHAVEN BEACH ESTATESMary Esther | $322K | ▼ 1% |
| WATERFORD ESTATES S/DMary Esther | $345K | ▼ 5% |
| Forest Shore Villas TownhomesMary Esther | $320K | 22 |
| WATERFORD ESTATES S/DMary Esther | $345K | 4 |
| BRYN MAWR PARKMary Esther | $269K | 2 |
| CHATEAU PRES DE LA MERMary Esther | $310K | 2 |
| OAK TREE PARKMary Esther | $290K | 2 |
| WYNNEHAVEN BEACH ESTATESMary Esther | $322K | 13 days |
| WATERFORD ESTATES S/DMary Esther | $345K | 37 days |
| CHATEAU PRES DE LA MERMary Esther | $310K | 86 days |
| Forest Shore Villas TownhomesMary Esther | $320K | 111 days |
Mary Esther ZIP codes
Most active communities
Put this data to work
The questions people actually ask
Should I buy a house in Mary Esther right now?
The data says conditions currently favor neither side decisively in Mary Esther — the Momentum Score reads 58/100. 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 Mary Esther becoming more affordable?
Yes, modestly — the median sale price in Mary Esther is $319,900, down 2.9% versus the prior year, while sellers still capture 97.1% 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 Mary Esther?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are CHATEAU PRES DE LA MER (-8%); WYNNEHAVEN BEACH ESTATES (1%); WATERFORD ESTATES S/D (5%). 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 Mary Esther neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are WYNNEHAVEN BEACH ESTATES (13 days); WATERFORD ESTATES S/D (37 days); CHATEAU PRES DE LA MER (86 days) — homes there go under contract well ahead of the market-wide pace of 60 days.
How does Mary Esther compare to the rest of Okaloosa County?
Mary Esther's median of $319,900 runs 12% below the county-wide median of $365,000, and homes here take 60 days to go under contract versus 68 county-wide.
Mary Esther housing market FAQ
What is the median home price in Mary Esther?
The median sale price in Mary Esther is currently $319,900, down 2.9% from a year ago, based on MLS sales data updated August 6, 2026.
Is Mary Esther a buyer's or seller's market right now?
The data currently favors sellers. Mary Esther scores 58 of 100 on the Momentum Score. Conditions change; this page updates daily.
How long do homes take to sell in Mary Esther?
The typical home in Mary Esther goes under contract in about 60 days, per current MLS data.
How many homes are for sale in Mary Esther?
There are approximately 46 active listings in Mary Esther as of August 6, 2026.
Are home prices in Mary Esther rising or falling?
Median sale prices are down 2.9% 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 Mary Esther. 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.