Santa Rosa County
Housing Market
Median sale price $369,900, up 1.1% year over year, with homes going under contract in about 55 days, 1,039 homes on the market.
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Housing Market Analyst
Inventory sits at 3.1 months of supply — balanced by the 3-to-6-month balanced benchmark, and 40% of listed homes are already under contract. Prices are up 1.1% versus the prior year and sellers are still collecting 96.6% of asking. Taken together, the data points to a seller-leaning market.
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 40% 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 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 (113 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 $369,900, up 1.1% from a year ago. Buyers are paying a median of $177 per square foot. The typical home goes under contract in about 55 days. Sellers are capturing 96.6% of their original asking price on average.
There are 1,039 active listings on the market, with 478 more already under contract. At the current sales pace that works out to 3.1 months of supply — a seller-leaning market by the standard six-month benchmark. 1,536 homes closed here over the trailing 12 months.
Zillow's home value index for Santa Rosa County stands at $350,816. 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 67 of 100 — healthy market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of October 5, 2026.
Santa Rosa County since 2012 — and where it’s heading
A median home here sold for $186,277 in 2012 and $389,726 over the last recorded year — 109% appreciation across 14 years of recorded sales.
Median sale price · 2012–2026 (15,684 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)
Median price · daily recalculation
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 | $370K | 1,039 | 67 | |
| Escambia County | $352K | 460 | 58 | Open → |
| Okaloosa County | $364K | 1,707 | 50 | Open → |
| Walton County | $640K | 3,040 | 42 | Open → |
| Holmes County | $170K | 58 | 45 | Open → |
Neighborhoods on the move
| Sandpiper VillageGulf Breeze | $390K | ▲ 18% |
| Rivers CoveMilton | $287K | ▲ 15% |
| CasablancaGulf Breeze | $605K | ▲ 14% |
| Pace Mill CreekPace | $435K | ▲ 14% |
| Polynesian IslandsGulf Breeze | $636K | ▲ 12% |
| Navarre BeachNavarre Beach | $882K | ▼ 38% |
| Hickory ShoresGulf Breeze | $470K | ▼ 24% |
| Villa VenyceGulf Breeze | $420K | ▼ 20% |
| Paradise BayGulf Breeze | $397K | ▼ 12% |
| Bay Ridge ParkGulf Breeze | $375K | ▼ 10% |
| Blackwater ReserveMilton | $320K | 22 |
| Marlin Place At AvalonMilton | $320K | 18 |
| Rivers CoveMilton | $287K | 18 |
| Hidden Pines EstatesMilton | $332K | 14 |
| Navarre BeachNavarre Beach | $882K | 14 |
| Pace CommonsPace | $393K | 12 days |
| Hickory ShoresGulf Breeze | $470K | 12 days |
| Captains CoveNavarre | $451K | 12 days |
| Villa VenyceGulf Breeze | $420K | 16 days |
| HammersmithPace | $460K | 18 days |
Cities in Santa Rosa County
ZIP codes
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 sellers in Santa Rosa County — the Momentum Score reads 67/100 with 3.1 months of supply. Buyers should come fully underwritten; sellers still set the pace here. 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 $369,900, up 1.1% versus the prior year, while sellers still capture 96.6% 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 Navarre Beach (-38%); Hickory Shores (-24%); Villa Venyce (-20%). 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 Pace Commons (12 days); Hickory Shores (12 days); Captains Cove (12 days) — homes there go under contract well ahead of the market-wide pace of 55 days.
Santa Rosa County housing market FAQ
How is the housing market in Santa Rosa County right now?
As of October 5, 2026, the Santa Rosa County housing market favors sellers: the median sale price is $369,900 (up 1.1% year over year), 1,039 homes are for sale against 1,536 sales in the last 12 months, which is 3.1 months of supply, and the typical home goes under contract in about 55 days.
How much is a house in Santa Rosa County?
The median home sold for $369,900 in Santa Rosa County over the last 12 months, about $177 per square foot; asking prices on the 1,039 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 Santa Rosa County?
By the numbers, sellers in Santa Rosa County are getting 96.6% of asking price and going under contract in about 55 days with 3.1 months of supply. Under four months of supply generally favors sellers; 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 Santa Rosa County housing market forecast?
Momentum Realty publishes the recorded trend, not a prediction: Santa Rosa County median sale prices are up 1.1% year over year, inventory stands at 3.1 months of supply, and 40% 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 Santa Rosa County?
The median sale price in Santa Rosa County is currently $369,900, up 1.1% from a year ago, based on MLS sales data updated October 5, 2026.
Is Santa Rosa County a buyer's or seller's market right now?
The data currently favors sellers. Santa Rosa County scores 67 of 100 on the Momentum Score, with 3.1 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 55 days, per current MLS data.
How many homes are for sale in Santa Rosa County?
There are approximately 1,039 active listings in Santa Rosa County as of October 5, 2026.
Are home prices in Santa Rosa County rising or falling?
Median sale prices are up 1.1% 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: October 5, 2026 at 1:44 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.