Moving to Miramar Beach, Florida: The 2026 Data Guide
As of 2026-09-27, the median home sold in Miramar Beach, Florida over the last 12 months went for $785,000 (503 closings across 203 communities in Momentum’s MLS record), about None per square foot for a median None-sq-ft home built around 2002. Homes currently listed have been on the market a median of 95 days, and with 525 active listings against that sales pace the city is carrying roughly 12.5 months of supply. Sellers have been getting about 93% of their original asking price. That median is 96% above the median across Momentum’s Florida and Georgia coverage.
Miramar Beach right now — September 2026
Live pages for your move: 677 homes for sale in Miramar Beach · Luxury homes · New construction · Condos (420) · Townhomes (52) · Homes by ZIP (1 ZIPs) · New listings this week · Price reductions · Property tax · Flood zones by neighborhood · Walton County homes for sale.
MLS closed sales and live inventory, Momentum Research; refreshed nightly. Updated September 27, 2026.
What your budget buys in Miramar Beach
Three price points from 437 recent Miramar Beach closings in our record, each showing what actually closed within 10% of that price:
- Around $525,000: the typical sale in this band was a 2-bed, 2-bath home of about None sq ft, built around 2004 (56 sales).
- Around $785,000: the typical sale in this band was a 3-bed, 2.5-bath home of about None sq ft, built around 2000 (60 sales).
- Around $1,215,000: the typical sale in this band was a 3-bed, 3.5-bath home of about None sq ft, built around 2000 (34 sales).
The real monthly cost of owning in Miramar Beach
Take the median $785,000 home with 20% down at today’s 7.03% 30-year rate: principal and interest run about $4,191/month. Walton County’s typical total millage is 9.76 mills, so after the $50,000 homestead exemption the property tax is roughly $7,172/year ($598/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 Walton County is about $1,942/year; private-market quotes vary with roof age and wind mitigation. All in, budget on the order of $4,950/month to own the median Miramar Beach home.
For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Walton County property tax guide and our home insurance by county map.
Where people are buying: Miramar Beach’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 Grove at Seascape | 45 | $640,000 | 214 |
| Burnt Pine | 36 | $2,912,500 | 59 |
| Bayside | 16 | $497,500 | 51 |
| Emerald Bay | 14 | $777,500 | 89 |
| Villa Lago | 12 | $1,075,000 | 95 |
| Ariel Dunes Ii | 11 | $480,000 | 85 |
| Baytowne Ave East | 10 | $1,825,000 | 8 |
| Beachwalk Villas | 10 | $500,000 | 122 |
Miramar Beach by ZIP code
Sales and medians by ZIP over the same 12 months: 32550 (436 sales, median $780,000).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 45% were single-family homes, 9% townhomes or villas, and 46% condos. The housing stock skews mixed: 18% of homes sold were built in 2015 or later and 3% before 1980.
Getting around from Miramar Beach
Measured from the center of Miramar Beach’s recent sales: Panama City is about 43 miles; Pensacola is about 53 miles; Tallahassee is about 123 miles; Columbus, GA is about 164 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 Walton 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 Walton County’s typical millage of 9.76; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Walton County average of $1,942/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
Miramar Beach: the case for and against
What works in Miramar Beach’s favor
- about 12.5 months of supply gives buyers room to negotiate
- insurance is comparatively manageable here (Citizens average $1,942/year)
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- prices run 96% above the statewide median in our coverage
- listings sit a median of 95 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 Miramar Beach relocation toolkit
- Homes for sale in Miramar Beach right now
- New construction in Miramar Beach
- Search every Miramar Beach community
Common questions about moving to Miramar Beach
How much does a house cost in Miramar Beach, FL?
What does it cost per month to own a home in Miramar Beach?
What are property taxes like in Miramar Beach?
Is Miramar Beach a buyer's or seller's market right now?
Is there a lot of new construction in Miramar Beach?
Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in Miramar Beach 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 Walton County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.