Moving to Santa Rosa Beach, Florida: The 2026 Data Guide
As of 2026-09-27, the median home sold in Santa Rosa Beach, Florida over the last 12 months went for $1,052,000 (908 closings across 318 communities in Momentum’s MLS record), about None per square foot for a median None-sq-ft home built around 2016. Homes currently listed have been on the market a median of 57 days, and with 1,430 active listings against that sales pace the city is carrying roughly 18.9 months of supply. Sellers have been getting about 94% of their original asking price. That median is 163% above the median across Momentum’s Florida and Georgia coverage.
Santa Rosa Beach right now — September 2026
Live pages for your move: 844 homes for sale in Santa Rosa Beach · Luxury homes · New construction · Condos (125) · Townhomes (66) · 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 Santa Rosa Beach
Three price points from 715 recent Santa Rosa Beach closings in our record, each showing what actually closed within 10% of that price:
- Around $615,000: the typical sale in this band was a 3-bed, 2.5-bath home of about None sq ft, built around 2016 (70 sales).
- Around $1,052,000: the typical sale in this band was a 4-bed, 3.5-bath home of about None sq ft, built around 2013 (65 sales).
- Around $1,700,000: the typical sale in this band was a 4-bed, 3.5-bath home of about None sq ft, built around 2014 (47 sales).
The real monthly cost of owning in Santa Rosa Beach
Take the median $1,052,000 home with 20% down at today’s 7.03% 30-year rate: principal and interest run about $5,616/month. Walton County’s typical total millage is 9.76 mills, so after the $50,000 homestead exemption the property tax is roughly $9,777/year ($815/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 $6,593/month to own the median Santa Rosa 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: Santa Rosa 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 |
|---|---|---|---|
| 90 | $2,962,500 | 54 | |
| Hawk's Landing Townhomes | 42 | $299,900 | 55 |
| Holley Grove at Peach Creek | 36 | $461,408 | 46 |
| Driftwood Estates | 35 | $605,000 | 40 |
| Naturewalk At Seagrove | 33 | $1,210,000 | 67 |
| Watersound West Beach | 19 | $1,950,000 | 14 |
| Daughettes Amended | 16 | $1,052,500 | 30 |
| Highland Parks | 16 | $975,000 | 91 |
Santa Rosa Beach by ZIP code
Sales and medians by ZIP over the same 12 months: 32459 (714 sales, median $950,000).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 81% were single-family homes, 7% townhomes or villas, and 11% condos. The housing stock skews newer: 53% of homes sold were built in 2015 or later and 1% before 1980.
Getting around from Santa Rosa Beach
Measured from the center of Santa Rosa Beach’s recent sales: Panama City is about 35 miles; Pensacola is about 60 miles; Tallahassee is about 115 miles; Columbus, GA is about 162 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.
Santa Rosa Beach: the case for and against
What works in Santa Rosa Beach’s favor
- about 18.9 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 163% above the statewide median in our coverage
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Santa Rosa Beach relocation toolkit
- Homes for sale in Santa Rosa Beach right now
- New construction in Santa Rosa Beach
- Search every Santa Rosa Beach community
Common questions about moving to Santa Rosa Beach
How much does a house cost in Santa Rosa Beach, FL?
What does it cost per month to own a home in Santa Rosa Beach?
What are property taxes like in Santa Rosa Beach?
Is Santa Rosa Beach a buyer's or seller's market right now?
Is there a lot of new construction in Santa Rosa Beach?
Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in Santa Rosa 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.