Moving to Mary Esther, Florida: The 2026 Data Guide
As of 2026-10-02, the median home sold in Mary Esther, Florida over the last 12 months went for $320,000 (185 closings across 61 communities in Momentum’s MLS record), about None per square foot for a median None-sq-ft home built around 1991. Homes currently listed have been on the market a median of 49 days, and with 75 active listings against that sales pace the city is carrying roughly 4.9 months of supply. Sellers have been getting about 98% of their original asking price. That median is 20% below the median across Momentum’s Florida and Georgia coverage.
Mary Esther right now — October 2026
Live pages for your move: 67 homes for sale in Mary Esther · New construction · Townhomes (19) · Homes by ZIP (1 ZIPs) · Price reductions · Property tax · Okaloosa County homes for sale.
MLS closed sales and live inventory, Momentum Research; refreshed nightly. Updated October 2, 2026.
What your budget buys in Mary Esther
Three price points from 159 recent Mary Esther closings in our record, each showing what actually closed within 10% of that price:
- Around $289,000: the typical sale in this band was a 3-bed, 2-bath home of about None sq ft, built around 1987 (46 sales).
- Around $320,000: the typical sale in this band was a 3-bed, 2-bath home of about None sq ft, built around 1988 (75 sales).
- Around $359,900: the typical sale in this band was a 3-bed, 2-bath home of about None sq ft, built around 1994 (52 sales).
The real monthly cost of owning in Mary Esther
Take the median $320,000 home with 20% down at today’s 7.28% 30-year rate: principal and interest run about $1,752/month. Okaloosa County’s typical total millage is 12.89 mills, so after the $50,000 homestead exemption the property tax is roughly $3,482/year ($290/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 $2,262/month to own the median Mary Esther 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: Mary Esther’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 |
|---|---|---|---|
| Forest Shore Villas Townhomes | 31 | $319,900 | 112 |
| Brookwood | 16 | $363,606 | 142 |
| Wynnehaven Beach Estates | 11 | $325,000 | 12 |
| Sandy Ridge Estates | 10 | $331,162 | 24 |
| Mary Esther Manor | 9 | $365,000 | 36 |
| Waterford Estates S/D | 9 | $345,000 | 38 |
| Chateau Pres De La Mer | 8 | $310,000 | 85 |
| Oak Tree Park | 7 | $289,900 | 91 |
Mary Esther by ZIP code
Sales and medians by ZIP over the same 12 months: 32569 (153 sales, median $320,000).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 84% were single-family homes, 12% townhomes or villas, and 4% condos. The housing stock skews mixed: 14% of homes sold were built in 2015 or later and 28% before 1980.
Getting around from Mary Esther
Measured from the center of Mary Esther’s recent sales: Pensacola is about 28 miles; Panama City is about 67 miles; Tallahassee is about 147 miles; Columbus, GA is about 175 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.
Mary Esther: the case for and against
What works in Mary Esther’s favor
- prices run 20% below the statewide median in our coverage
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Mary Esther relocation toolkit
- Homes for sale in Mary Esther right now
- New construction in Mary Esther
- Search every Mary Esther community
Common questions about moving to Mary Esther
How much does a house cost in Mary Esther, FL?
What does it cost per month to own a home in Mary Esther?
What are property taxes like in Mary Esther?
Is Mary Esther a buyer's or seller's market right now?
Is there a lot of new construction in Mary Esther?
Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in Mary Esther 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.