Moving to Destin, Florida: The 2026 Data Guide
As of 2026-09-28, the median home sold in Destin, Florida over the last 12 months went for $638,000 (514 closings across 164 communities in Momentum’s MLS record), about None per square foot for a median None-sq-ft home built around 2000. Homes currently listed have been on the market a median of 93 days, and with 414 active listings against that sales pace the city is carrying roughly 9.7 months of supply. Sellers have been getting about 91% of their original asking price. That median is 60% above the median across Momentum’s Florida and Georgia coverage.
Destin right now — September 2026
Live pages for your move: 603 homes for sale in Destin · Luxury homes · New construction · Condos (359) · Townhomes (44) · Homes by ZIP (1 ZIPs) · New listings this week · Price reductions · Property tax · Flood zones by neighborhood · Okaloosa County homes for sale.
MLS closed sales and live inventory, Momentum Research; refreshed nightly. Updated September 28, 2026.
What your budget buys in Destin
Three price points from 423 recent Destin closings in our record, each showing what actually closed within 10% of that price:
- Around $445,000: the typical sale in this band was a 3-bed, 2-bath home of about None sq ft, built around 1998 (46 sales).
- Around $638,000: the typical sale in this band was a 3-bed, 2-bath home of about None sq ft, built around 2002 (45 sales).
- Around $1,202,500: the typical sale in this band was a 4-bed, 3-bath home of about None sq ft, built around 2001 (35 sales).
The real monthly cost of owning in Destin
Take the median $638,000 home with 20% down at today’s 7.03% 30-year rate: principal and interest run about $3,406/month. Okaloosa County’s typical total millage is 12.89 mills, so after the $50,000 homestead exemption the property tax is roughly $7,582/year ($632/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in Okaloosa County is about $2,644/year; private-market quotes vary with roof age and wind mitigation. All in, budget on the order of $4,258/month to own the median Destin home.
For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Okaloosa County property tax guide and our home insurance by county map.
Where people are buying: Destin’s most active communities
The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.
| Community | Sales (12 mo) | Median | Days listed |
|---|---|---|---|
| The Palms Of Destin | 43 | $310,000 | 219 |
| Regatta Bay | 27 | $1,675,000 | 82 |
| Crystal Beach | 22 | $1,385,000 | 99 |
| Destiny East | 22 | $1,417,500 | 122 |
| Kelly Plantation S/D | 22 | $1,315,000 | 58 |
| Sandpiper Cove | 22 | $347,500 | 40 |
| Indian Lake | 20 | $212,500 | 40 |
| Palm Street Townhomes | 12 | $388,407 | 100 |
Destin by ZIP code
Sales and medians by ZIP over the same 12 months: 32541 (422 sales, median $700,000).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 52% were single-family homes, 16% townhomes or villas, and 32% condos. The housing stock skews mixed: 17% of homes sold were built in 2015 or later and 9% before 1980.
Getting around from Destin
Measured from the center of Destin’s recent sales: Pensacola is about 45 miles; Panama City is about 50 miles; Tallahassee is about 130 miles; Columbus, GA is about 167 miles. Distances are straight-line; drive times depend on the corridor and time of day.
Schools, taxes, and insurance: where to verify
School assignments change; check the Okaloosa County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use Okaloosa County’s typical millage of 12.89; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Okaloosa County average of $2,644/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
Destin: the case for and against
What works in Destin’s favor
- about 9.7 months of supply gives buyers room to negotiate
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- prices run 60% above the statewide median in our coverage
- listings sit a median of 93 days, which favors buyers on price but signals a slower market
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Destin relocation toolkit
- Homes for sale in Destin right now
- New construction in Destin
- Destin ZIP codes with prices
- Search every Destin community
Common questions about moving to Destin
How much does a house cost in Destin, FL?
What does it cost per month to own a home in Destin?
What are property taxes like in Destin?
Is Destin a buyer's or seller's market right now?
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Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in Destin communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Okaloosa County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.