Martin County Homes for Sale

the Space & Treasure Coast · county seat Stuart · 160,464 residents

Martin County is Stuart and the Sailfish-Capital coast — a deliberately low-density, affluent Treasure Coast county that has fought to preserve its small-town, waterfront character.

1,340 homes for saleMedian $445KBalanced Marketthe Space & Treasure Coast
Live Market Pulse
25/100
Momentum
Balanced Market
Buyer 6/10 · Seller 4/10 · Investor 3/10. A high-quality, tightly-supplied waterfront market; limited inventory means well-located homes hold value, and the island carries premiums.
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Built fromZillow & Realtor.com datarealMLS listingsCensus & IRSUpdated monthly
LiveMarket PulseApril 2026
$445K
Median Value
-4.2%
1-Yr Price
72days
Avg DOM
18.4%
Price Cuts
Soft
Seller Leverage
$297/sf
Median $/Sqft
1,340
For Sale
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Martin County is Stuart and the Sailfish-Capital coast — a deliberately low-density, affluent Treasure Coast county that has fought to preserve its small-town, waterfront character. Strict growth limits, top schools, and a marine-and-boating culture keep it exclusive and tightly supplied. For buyers that means real negotiating room; for sellers, sharp pricing and a willingness to offer a concession. The county median is a starting point — the number that matters is the one for a specific home in a specific Martin County neighborhood, which is what we price against live comps."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Martin County snapshot (April 2026): typical home value $445K ($297/sqft), median rent $2,274, about 1,340 active listings, a median 72 days on market, and 18.4% of listings cutting price — a balanced market. Values are -4.2% over the past year and +5.7% over five years.

Martin's economy is anchored by Cleveland Clinic Martin Health (the county's largest employer), a robust marine industry — boat building, repair, and yacht services around Stuart's waterways — plus professional services tied to an affluent population and an agricultural base (citrus, cattle) in the west. The county's strict growth management deliberately limits the scale of development.

Entry
under $312K

Condos, townhomes, and starter homes — the lowest-cost way into Martin County and its school zones.

Core
$312K–$579K

The heart of the market: established single-family homes and newer planned-community product.

Top
$579K+

Luxury, waterfront, acreage, and custom homes — the county's strongest-resale tier.

Rolled-up counts and medians from Realtor.com, April 2026. Price bands are typical ranges for orientation, not an appraisal.

Martin County Market Scorecard

Balanced Market

Martin County is a balanced market: about 1,340 active listings, a median list price of $525,000, 18.4% of them cutting price, and homes going under contract in about 72 days.

$445K
Typical value
328
New / mo
$297
$/sqft
72
Days on mkt
18.4%
Cut price
$2,274
Median rent
Typical home value · last 13 months $445K

Go deeper: county scorecard · all 67 counties · true cost calculator · affordability calculator.

Typical value & rent: Zillow Research. Listings & days on market: Realtor.com, April 2026. Market metrics describe homes for sale and recent sales, not residents.

Should You Buy, Sell, or Invest Here?

6/10
Buyer

A high-quality, tightly-supplied waterfront market; limited inventory means well-located homes hold value, and the island carries premiums.

4/10
Seller

Growth controls and affluent demand keep the market firm, with limited new supply.

3/10
Investor

Strong seasonal and waterfront rental demand, but high prices and scarce supply make this an appreciation-and-lifestyle market.

Cash offer
~$401K
  • Close in as little as 7–14 days
  • No repairs, cleaning, or showings
  • No financing fall-through
  • Pick your move-out date
List with Momentum
~$445Ktypical value
  • Often nets more, even after commission
  • Sells 1.25% above MLS average, 8 days faster
  • Full marketing & negotiation
  • We front the prep with our concierge

Figures are illustrative ranges, not an offer. Your actual cash offer and net-to-seller depend on the home's condition, location, and current Martin County demand. Compare both at our Martin County cash-offer page.

Schools in Martin County

The Martin County School District is one of the stronger districts on the Treasure Coast, with well-regarded high schools and the Clark Advanced Learning Center dual-enrollment charter.

  • Martin County High School (Stuart)
  • South Fork High School
  • Jensen Beach High School
  • Clark Advanced Learning Center (charter)

Confirm the zoned assignment for an address; Martin's smaller district performs consistently well. See school-zone guides →

Taxes, Insurance & Cost to Own

A median-priced Martin County home costs about $3,275/month all-in (mortgage, tax, and insurance, 10% down) against median household income of $80,701. Florida's homestead exemption removes up to $50,000 of assessed value, and Save Our Homes caps annual assessed-value increases at 3% while you keep the homestead.

Typical property-tax millage15.469 mills (~1.55% before exemptions)
Avg. homeowners insurance$2,580/yr (Citizens county avg)
Homestead exemptionUp to $50,000 + 3% Save Our Homes cap
Est. all-in monthly (PITI)$3,275/mo on a $445K home
Income to buy median home$131,013/yr (est.)

At about $2,580 a year, Martin sits on the higher end for Florida, so build insurance into your offer math from day one. Wind-mitigation features earn insurance credits; flood insurance is priced separately by address. Run your own numbers with the true cost calculator.

New Construction in Martin County

Builders pulled 845 residential permits last year (+30.8% YoY) — 843 single-family and 2 multifamily, about 5.3 per 1,000 residents. Active master-planned communities include Harbour Ridge; The Florida Club; Mariner Sands; Willoughby; PGA Village-adjacent (St. Lucie line). Builders compete on rate buydowns and closing-cost credits; buyer representation matters even on a new build. See active builders →

Population & Migration

Martin County has about 160,464 residents. On a net domestic basis it gained roughly 1,335 people and a net +$383.13M in adjusted gross income in the latest IRS filing year (county-to-county moves within the U.S.; this does not count international migration or births). Domestic arrivals are led by NY, NJ, CT, MA. Migration is the demand engine behind prices: when more income flows in than out, it supports both rents and values.

12-Month Forecast

Expect Martin to stay firm and tightly supplied over the next 12 months: affluent demand, top schools, and deliberate growth limits keep values resilient, especially on the water, with coastal insurance and limited inventory the defining features.

StuartThe 'Sailfish Capital' county seat; a charming, walkable historic downtown on the St. Lucie River.
Palm CityThe county's largest community; family neighborhoods and golf west of Stuart.
Jensen BeachLaid-back beach-and-river community on the Indian River Lagoon.
Hobe SoundAffluent southern community near Jupiter Island.
Sewall's PointExclusive peninsula between the rivers.

Economy & Major Employers

Martin's economy is anchored by Cleveland Clinic Martin Health (the county's largest employer), a robust marine industry — boat building, repair, and yacht services around Stuart's waterways — plus professional services tied to an affluent population and an agricultural base (citrus, cattle) in the west. The county's strict growth management deliberately limits the scale of development.

  • Cleveland Clinic Martin Health
  • Martin County School District
  • Martin County government
  • marine-industry firms (boatbuilding, repair, yacht services)
  • Publix
  • agriculture (west county)

Cleveland Clinic Martin Health is the county's largest employer; Stuart's marine industry — boatbuilding, repair, and yacht services — is a defining sector.

A deep, diversified employer base is what underpins housing demand through national cycles. Talk to a local Martin County agent →

Master-plannedHarbour Ridge, The Florida Club, Mariner Sands, Willoughby, PGA Village-adjacent (St. Lucie line)
GolfMariner Sands, The Florida Club, Harbour Ridge, Piper's Landing, Hammock Creek
WaterfrontSt. Lucie River, Indian River Lagoon, Sewall's Point, Jupiter Island (north end), Hutchinson Island
LuxuryJupiter Island (Martin side — among the priciest in the U.S.), Sewall's Point, Sailfish Point, Harbour Ridge
55+ / active adultMariner Sands, The Florida Club, select 55+ sections

Lifestyle in Martin County

Martin County is built around the water and restraint: Stuart's walkable historic downtown and Riverwalk, the St. Lucie River and the Indian River Lagoon, the Sailfish-Capital fishing culture, the wild beaches of Hobe Sound and Jonathan Dickinson State Park, and the exclusivity of Jupiter Island and Sewall's Point. Deliberate growth limits keep it low-density and small-town — a rarity on the southeast coast.

Risks to Weigh

Martin carries Treasure Coast hurricane and storm-surge exposure on the barrier island and along the rivers, with high coastal insurance, and the Indian River Lagoon's health is an environmental concern. The county's strict growth management keeps supply tight (supporting values but limiting options), and prices run above the neighboring Treasure Coast counties.

Martin County Real Estate FAQ

What is the median home price in Martin County?
The typical Martin County home is worth about $445K as of April 2026 (Zillow ZHVI), -4.2% over the past year. The median list price is similar; individual neighborhoods range widely around that figure.
Is Martin County a buyer's or seller's market?
As of April 2026, Martin County is a balanced market. Homes are taking a median of 72 days to sell, and inventory has rebuilt from its lows, giving buyers more room to negotiate than in recent years.
Is Martin County expensive?
Martin County's price-to-income ratio is about 5.5×, which is above the typical Florida county. The bigger cost surprises for newcomers are property insurance and, in newer communities, CDD fees — not the sticker price.
What is the average rent in Martin County?
The median rent is about $2,274 a month (Zillow ZORI). Against the typical home value, that is a gross rental yield near 6.1%.
Are property taxes high in Martin County?
The typical millage is about 15.469 mills, or roughly 1.55% of taxable value before exemptions. Florida's $50,000 homestead exemption and the Save Our Homes 3% assessment cap meaningfully lower the bill for owner-occupants.
How much is homeowners insurance in Martin County?
The Citizens county-average premium is about $2,580 a year, but your actual cost depends heavily on the home's age, roof, construction, and flood zone. Wind-mitigation credits can lower it; flood insurance is priced separately by address.
Is Martin County a good place to invest in real estate?
Strong seasonal and waterfront rental demand, but high prices and scarce supply make this an appreciation-and-lifestyle market.
Is Martin County growing?
Martin County has about 160,464 residents and is still drawing net in-migration of people and income. Migration and jobs are the forces most likely to support prices through the rate cycle.
How long do homes take to sell in Martin County?
A median of about 72 days on market as of April 2026, longer than the 2021-2022 frenzy and a sign of today's more balanced conditions.
What are the best areas to live in Martin County?
The county seat, Stuart, anchors the market, and the right area depends on whether you prioritize schools, commute, the water, or new construction. Our neighborhood guides map each on price, schools, and lifestyle.
What is the price per square foot in Martin County?
Listings in Martin County are priced around the area's median per-square-foot rate as of April 2026; smaller, older, and inland homes run below it, while new construction and waterfront run above. Per-square-foot is most useful within a single neighborhood, not across the whole county.
How much income do I need to buy a home in Martin County?
As a rough rule, a buyer needs household income roughly in line with the county's price-to-income ratio of 5.5× the home price, keeping total housing costs near 30% of income. Median household income here is $80,701. A lender pre-approval gives you the exact figure for your situation.
Is now a good time to buy in Martin County?
It depends on your horizon. For buyers planning to stay several years, today's balanced market conditions — more inventory and routine price cuts — offer better terms than the 2021-2022 peak. For short-term flips, flat appreciation makes the math tight. The right answer is specific to the home and your timeline.
Do I need flood insurance in Martin County?
It depends on the address. Homes in FEMA high-risk flood zones (A or V) typically require flood insurance with a federally backed mortgage, and even outside those zones it can be worth carrying in low-lying or coastal parts of Martin County. Flood premiums are priced separately by address under FEMA Risk Rating 2.0, so always check the flood zone before you buy.
Is Martin County a good place to retire?
Florida's lack of a state income tax and the homestead/Save Our Homes protections make Martin County attractive for retirees on a fixed income, especially in its 55+ and lower-maintenance communities. Weigh that against insurance costs and proximity to healthcare when you choose a specific area.
How fast are home prices rising in Martin County?
Over the past year, the typical Martin County home value moved -4.2%. Over five years it is +5.7% and over ten years +6.4% — so the long-run trend is up even though near-term growth has cooled.
What is the cost of living in Martin County?
Housing, insurance, and property tax are the main local cost drivers; Florida charges no state income tax. A median-priced home runs about $3,275 a month all-in (mortgage, tax, and insurance), against median household income of $80,701 a year. Utilities, transportation, and healthcare track close to state averages.
What are the risks of buying in Martin County?
The main ones are hurricane and flood exposure (which drive insurance costs), rising premiums statewide, and — in fast-growing submarkets — overbuilding that can soften resale and rents. On older condos, ask about reserves and special assessments. None are dealbreakers, but all belong in your budget before you offer.
Is Martin County good for real estate investors?
Martin County's estimated cap rate is about 6.1% with a gross yield near 6.1%, so it leans cash-flow-friendly. Net migration and the local job base are the demand signals that matter most for landlords here.
What counties are near Martin County?
See the 'Explore more' section on this page for direct links to the neighboring county market reports, plus the full set of scorecards for all 67 Florida counties.
Has inventory in Martin County gone up?
Yes — active listings are -15.5% versus a year ago. That rebuild from pandemic-era lows is the single biggest reason buyers have more leverage now than they did in 2021-2022.
Why is Martin County more expensive and less developed than St. Lucie?
Martin County has long pursued strict growth-management policies — height limits, urban-service boundaries, and low-density zoning — to preserve its small-town, waterfront character. That deliberately limits new supply, which keeps the county more exclusive, less crowded, and pricier than fast-growing, master-planned St. Lucie next door. Buyers pay for the lifestyle, the schools, and the scarcity.

or call (904) 351-6461 · jon@movewithmomentum.com