Moving to Navarre, Florida: The 2026 Data Guide
As of 2026-09-27, the median home sold in Navarre, Florida over the last 12 months went for $448,000 (118 closings across 34 communities in Momentum’s MLS record), about $221 per square foot for a median 1,799-sq-ft home built around 2013. Homes currently listed have been on the market a median of 29 days, and with 38 active listings against that sales pace the city is carrying roughly 3.9 months of supply. Sellers have been getting about 99% of their original asking price. That median is 12% above the median across Momentum’s Florida and Georgia coverage.
Navarre right now — September 2026
Live pages for your move: 118 homes for sale in Navarre · New construction · Homes by ZIP (1 ZIPs) · New listings this week · What your budget buys in Santa Rosa County · Cost of living · Best neighborhoods · Property tax · Santa Rosa County homes for sale.
MLS closed sales and live inventory, Momentum Research; refreshed nightly. Updated September 27, 2026.
What your budget buys in Navarre
Three price points from 123 recent Navarre closings in our record, each showing what actually closed within 10% of that price:
- Around $375,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,826 sq ft, built around 2002 (40 sales).
- Around $448,000: the typical sale in this band was a 4-bed, 2-bath home of about 2,037 sq ft, built around 2020 (48 sales).
- Around $495,000: the typical sale in this band was a 4-bed, 2-bath home of about 2,169 sq ft, built around 2025 (30 sales).
The real monthly cost of owning in Navarre
Take the median $448,000 home with 20% down at today’s 7.03% 30-year rate: principal and interest run about $2,392/month. Santa Rosa County’s typical total millage is 12.81 mills, so after the $50,000 homestead exemption the property tax is roughly $5,097/year ($425/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 Santa Rosa County is about $2,444/year; private-market quotes vary with roof age and wind mitigation. 76% of current Navarre listings carry an HOA, with a median of $42/month where one applies. All in, budget on the order of $3,062/month to own the median Navarre home including a typical HOA.
For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Santa Rosa County property tax guide and our home insurance by county map.
Where people are buying: Navarre’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 |
|---|---|---|---|
| Captain's Cove | 18 | $450,812 | 12 |
| Navarre 2nd Addition | 18 | $384,900 | 26 |
| Buckeyes Landing | 15 | $479,900 | 29 |
| Navarre First Addition | 8 | $379,130 | 97 |
| Hidden Creek at Holley by the Sea | 7 | $705,000 | 72 |
| Treasure Isle Estates | 6 | $474,750 | 67 |
| Biscayne Pointe | 5 | $448,500 | 9 |
| Palmetto Ridge | 5 | $340,000 | 6 |
Navarre by ZIP code
Sales and medians by ZIP over the same 12 months: 32566 (119 sales, median $439,000).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 100% were single-family homes. New construction accounted for 35% of closings, led by Captain's Cove, Buckeyes Landing.
Getting around from Navarre
Measured from the center of Navarre’s recent sales: Pensacola is about 20 miles; Panama City is about 75 miles; Tallahassee is about 155 miles; Columbus, GA is about 180 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 Santa Rosa 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 Santa Rosa County’s typical millage of 12.81; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Santa Rosa County average of $2,444/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
Navarre: the case for and against
What works in Navarre’s favor
- homes move quickly (median 29 days listed), so well-priced homes get competition
- 35% of sales are new construction, so builder incentives and warranties are part of the market
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- prices run 12% above the statewide median in our coverage
- only about 3.9 months of supply, so choice is limited in the most popular price bands
- 76% of listings carry an HOA (median $42/month)
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Navarre relocation toolkit
- Homes for sale in Navarre right now
- Cost of living in Navarre
- Best neighborhoods in Navarre
- New construction in Navarre
- Find an agent in Navarre
- Search every Navarre community
Common questions about moving to Navarre
How much does a house cost in Navarre, FL?
What does it cost per month to own a home in Navarre?
What are property taxes like in Navarre?
Is Navarre a buyer's or seller's market right now?
Is there a lot of new construction in Navarre?
Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in Navarre 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 Santa Rosa County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.