Stock Island
Housing Market
Median sale price $580,000, with homes going under contract in about 46 days, 21 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 9.3 months of supply — heavy by the 3-to-6-month balanced benchmark. sellers are still collecting 95.3% 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.
- 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 Stock Island data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.
The read on Stock Island
The median sale price across Stock Island currently stands at $580,000. The typical home goes under contract in about 46 days. Homes are selling for about 95.3% of their original asking price.
There are 21 active listings on the market, with 7 more already under contract. With 27 closed sales over the trailing 12 months (21 listings divided by 27 / 12), that works out to 9.3 months of supply — a buyer-leaning market by the 3-to-6-month balanced band.
Stock Island prices sit below the Monroe County median by roughly 36%. 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 Stock Island is 45 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 9, 2026.
Stock Island since 2012 — and where it’s heading
A median home here sold for $184,304 in 2012 and $680,973 over the last recorded year — 269% appreciation across 14 years of recorded sales.
Median sale price · 2012–2026 (319 recorded sales)
Days on market by year
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 Stock Island
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.
Stock Island ZIP codes
Most active communities
More on Stock Island
Put this data to work
The questions people actually ask
Should I buy a house in Stock Island right now?
The data says conditions currently favor neither side decisively in Stock Island — the Momentum Score reads 45/100 with 9.3 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.
How does Stock Island compare to the rest of Monroe County?
Stock Island's median of $580,000 runs 36% below the county-wide median of $907,500, and homes here take 46 days to go under contract versus 84 county-wide.
Stock Island housing market FAQ
How is the housing market in Stock Island right now?
As of November 9, 2026, the Stock Island housing market is roughly balanced: the median sale price is $580,000, 21 homes are for sale against 27 sales in the last 12 months, which is 9.3 months of supply, and the typical home goes under contract in about 46 days.
How much is a house in Stock Island?
The median home sold for $580,000 in Stock Island over the last 12 months; asking prices on the 21 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 Stock Island?
By the numbers, sellers in Stock Island are getting 95.3% of asking price and going under contract in about 46 days with 9.3 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 median home price in Stock Island?
The median sale price in Stock Island is currently $580,000, based on MLS sales data updated November 9, 2026.
Is Stock Island a buyer's or seller's market right now?
The data currently is roughly balanced. Stock Island scores 45 of 100 on the Momentum Score, with 9.3 months of housing supply. Conditions change; this page updates daily.
How long do homes take to sell in Stock Island?
The typical home in Stock Island goes under contract in about 46 days, per current MLS data.
How many homes are for sale in Stock Island?
There are approximately 21 active listings in Stock Island as of November 9, 2026.
Momentum agents use this intelligence every day to price listings and write winning offers across Stock Island. 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 9, 2026
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.