Santa Rosa County
Housing Market
Median sale price $358,750, up 0.1% year over year, with homes going under contract in about 56 days, 1,059 homes on the market.
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Housing Market Analyst
Inventory sits at 3.6 months of supply — balanced by the 3-to-6-month balanced benchmark, and 39% of listed homes are already under contract. Prices are up 0.1% versus the prior year and sellers are still collecting 96.5% 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 — pressure remains upward while supply stays this thin.
- Inventory — tightening over the tracked window; watch whether that holds through the season.
- Negotiating power — sellers hold the leverage while 39% of inventory sits under contract.
- Mortgage sensitivity — at 4.0× income, this market is moderately sensitive to rate moves; rate relief tends to show up in demand here gradually.
Derived from current Santa Rosa County 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 Santa Rosa County is hot — and where it isn't
Each dot is a community (107 shown, sized by sales volume rank). Click any dot to open its full neighborhood guide.
The read on Santa Rosa County
The median sale price across Santa Rosa County currently stands at $358,750, up 0.1% from a year ago. Buyers are paying a median of $177 per square foot. The typical home goes under contract in about 56 days. Sellers are capturing 96.5% of their original asking price on average.
There are 1,059 active listings on the market, with 539 more already under contract. At the current sales pace that works out to 3.6 months of supply — a seller-leaning market by the standard six-month benchmark. 1,306 homes closed here over the trailing 12 months.
Zillow's home value index for Santa Rosa County stands at $353,844. 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 Santa Rosa County is 64 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.
Santa Rosa County since 2012 — and where it’s heading
A median home here sold for $179,665 in 2012 and $375,993 over the last recorded year — 109% appreciation across 14 years of recorded sales.
Median sale price · 2012–2026 (13,091 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)
What’s driving Santa Rosa County
Top inbound states: TX, AL, VA, CA. Movers arriving report ~$80,188 average income. Source: IRS SOI county-to-county migration, 2022-2023
876 Citizens policies in force in Santa Rosa County — the state-backed insurer of last resort. Budget insurance into any Santa Rosa purchase before you fall in love with a house. Source: Citizens Property Insurance, Detail by County, April 2026
1,929 single-family · 0 multi-family · 10.0 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.
The most crowded shelf in the market. Sellers here are competing hardest — which means overpaying in this band is the most avoidable mistake in Santa Rosa County 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.
How it stacks up against neighboring counties
| Market | Median | Active | Score | |
|---|---|---|---|---|
| Santa Rosa County ← this page | $359K | 1,059 | 64 | |
| Escambia County | $352K | 451 | 58 | Open → |
| Okaloosa County | $365K | 755 | 57 | Open → |
| Walton County | $640K | 1,190 | 54 | Open → |
| Holmes County | $180K | — | 69 | Open → |
Neighborhoods on the move
| Polynesian IslandsGulf Breeze | $645K | ▲ 22% |
| Rivers CoveMilton | $280K | ▲ 14% |
| Hickory ShoresGulf Breeze | $470K | ▲ 8% |
| Plantation WoodsMilton | $370K | ▲ 7% |
| Woodlawn HeightsGulf Breeze | $562K | ▲ 7% |
| East Bay HeightsGulf Breeze | $176K | ▼ 36% |
| Santa Rosa ShoresGulf Breeze | $410K | ▼ 17% |
| Bay Ridge ParkGulf Breeze | $381K | ▼ 10% |
| Ashley PlantationPace | $588K | ▼ 8% |
| Navarre 2Nd AdditionNavarre | $370K | ▼ 8% |
| Blackwater ReserveMilton | $321K | 24 |
| Rivers CoveMilton | $280K | 22 |
| Navarre BeachNavarre Beach | $910K | 21 |
| Plantation WoodsMilton | $370K | 19 |
| Marlin Place At AvalonMilton | $329K | 15 |
| Captains CoveNavarre | $445K | 8 days |
| Oriole BeachGulf Breeze | $359K | 12 days |
| Horizons EdgeMilton | $273K | 14 days |
| Pace CommonsPace | $386K | 15 days |
| Santa Rosa ShoresGulf Breeze | $410K | 16 days |
Cities in Santa Rosa County
Most active communities
Put this data to work
The questions people actually ask
Should I buy a house in Santa Rosa County right now?
The data says conditions currently favor neither side decisively in Santa Rosa County — the Momentum Score reads 64/100 with 3.6 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 Santa Rosa County becoming more affordable?
No — the median sale price in Santa Rosa County is $358,750, up 0.1% versus the prior year, while sellers still capture 96.5% of asking price. Rising prices mean waiting has a cost; affordability hinges mostly on your rate.
Where are prices falling fastest in Santa Rosa County?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are East Bay Heights (-36%); Santa Rosa Shores (-17%); Bay Ridge Park (-10%). 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 Santa Rosa County neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are Captains Cove (8 days); Oriole Beach (12 days); Horizons Edge (14 days) — homes there go under contract well ahead of the market-wide pace of 56 days.
Santa Rosa County housing market FAQ
What is the median home price in Santa Rosa County?
The median sale price in Santa Rosa County is currently $358,750, up 0.1% from a year ago, based on MLS sales data updated August 6, 2026.
Is Santa Rosa County a buyer's or seller's market right now?
The data currently favors sellers. Santa Rosa County scores 64 of 100 on the Momentum Score, with 3.6 months of housing supply. Conditions change; this page updates daily.
How long do homes take to sell in Santa Rosa County?
The typical home in Santa Rosa County goes under contract in about 56 days, per current MLS data.
How many homes are for sale in Santa Rosa County?
There are approximately 1,059 active listings in Santa Rosa County as of August 6, 2026.
Are home prices in Santa Rosa County rising or falling?
Median sale prices are up 0.1% 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 Santa Rosa 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.