Momentum Research · Market data
FL price$430,386 +3.2%FL demand26,353 +7.2%FL supply pipeline9,228 −5.6%FL speed48 −9.4%FL leverage95.1% +1.3ppFL size-adjusted price$254 +1.6%FL cost of money6.54% −0.2ppFL affordability$2,186 +1.3%Miami-Dade$545,000 −0.9%Fort Lauderdale$470,000 +8.5%West Palm Beach$525,500 +10.6%Florida Keys (Monroe)$970,000 +4.3%Orlando$411,509 −0.9%Tampa$405,000 +3.8%St. Petersburg$395,400 +4.1%Sarasota-Manatee$424,668 +2.2%Fort Myers (Lee)$350,000 unchangedNaples (Collier)$600,000 +0.3%Ocala (Marion)$282,000 +1.1%Space Coast$360,000 +1.7%Daytona (Volusia-Flagler)$355,635 +0.9%Jacksonville$384,306 +1.3%Pensacola$331,045 +1.4%Destin-Walton$522,356 +5.6%Panama City (Bay)$350,000 −0.2%
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Demand

Are buyers coming back?

26,353▲ +7.2%

Monthly · July 2026

demand 7.2% higher than a year ago

January 2001July 2026

Closings are the cleanest demand signal we hold, because a closed sale is a completed decision rather than an intention.

Supply pipeline

Is Florida building its way out?

9,228▬ −5.6%

Monthly · May 2026Census Building Permits Survey

5.6% lower than a year ago

January 2001May 2026

Permits lead completions by roughly a year, so this is next year's supply, not this month's.

Method

U.S. Census Bureau Building Permits Survey, single-family, Florida. Monthly.

Speed

Are homes selling faster?

48▬ −9.4%

Monthly · July 2026

5 days faster than a year ago

January 2001July 2026

Falling days on market favours sellers; rising days favours buyers. Direction alone does not say who is winning.

Leverage

How much are sellers conceding?

95.1%▬ +1.3pp

Monthly · July 2026

sellers conceding 1.3pp less than a year ago

January 2001July 2026

Measured against the ORIGINAL list price, so it captures cuts made during the listing, not just the final negotiation.

Size-adjusted price

Is the price move real, or just bigger houses?

$254▬ +1.6%

Monthly · July 2026

1.6% higher than a year ago

January 2001July 2026

Price per square foot strips size mix out of the headline median.

Cost of money

What is money costing?

6.54%▲ −0.2pp

Weekly to monthly · July 2026Freddie Mac PMMS averaged to months

0.18pp lower than a year ago

January 2001July 2026

The single largest input to affordability, and the one no Florida policy can move.

Method

Weekly, Freddie Mac PMMS via FRED (MORTGAGE30US), averaged to months. Read from the raw FRED lane, not rates-data.js, which _rates_ingest.py has failed to update since 2026-08-11.

Affordability

Is affordability actually improving?

$2,186▼ +1.3%

Monthly · July 2026modelled from that month's rate and median price

$28 more per month than a year ago

January 2001July 2026

Principal and interest only, 20% down. In Florida taxes and insurance are the larger share, so read direction, not budget.

Method

Principal and interest only, 20% down, 30-year fixed at that month's average PMMS rate, on that month's Florida median closed price. Excludes taxes, insurance and HOA - in Florida those are the larger share of the payment, so read this as direction, not as a budget.

Inventory

Is there more to choose from?

184,047▬ −12.3%

Annual · 2026June snapshot of each year

12.3% lower than a year ago

20182026

Active listings each June. Annual, because no monthly active-listing history exists yet.

Method

Active residential listings, sum of Florida counties, June snapshot of each year. Annual - this is the only inventory history held as a series; no monthly active-listing history exists.

Migration

Are people still moving in?

128,581▼ −55.8%

Annual, lagged · 2022-23IRS filed-year pairs, published years behind

55.8% lower than a year ago

December 20112022-23

IRS exemptions, net of inflow and outflow. Published on a long lag, so this is a trend, not a nowcast.

Method

IRS Statistics of Income county-to-county migration, individual exemptions, net of inflow and outflow for Florida. State FIPS 1-56 only: pseudo-codes 57 (foreign), 58 (same-state) and 59 (regional aggregates) are excluded because 59 double-counts the state rows and 57 is not domestic. Annual, filed-year pairs, published on a long lag.

All nineteen markets

Jacksonville$384,306+1.3%2,293 closings · 2026-07
Momentum Research · Market Data

Florida Housing Intelligence

Reporting on the Florida housing market, computed from MLS records licensed across eleven multiple listing services. Latest complete month: 2026-07.

Sales are running above a year ago - 26,353 closings, up 7.2% - with the median at $430,386.

Sellers are conceding less and waiting less: 95.1% of original list against 93.8% a year ago, and 48 days on market against 53. On these two measures leverage moved toward sellers, not buyers.

The statewide number hides the range. West Palm Beach is +10.6% year over year; Miami-Dade is −0.9%. A single Florida figure describes no Florida market.

Assembled from the figures on this page by fixed rule, not written per release. It states what the numbers are and the mechanism they imply; it does not forecast. Interpretation beyond this appears under a byline.

Updated August 19Based on 26,353 July 2026 closings11 licensed MLS feedsHistory to January 2001Methodology

Market statistics on this page are computed from MLS data licensed by Momentum Realty and from public records and government datasets, and are current as of the date shown. Data may be preliminary and subject to revision by its source. This page is general information, not advice about any specific property, transaction, or financial decision, and is not a representation about any specific property, community, builder, or association.

Statewide figures are an n-weighted aggregate of county medians, not a pooled median. Per-feed MLS attribution travels with each figure and feeds are never co-mingled in one number; each market page carries its own. Permit counts are U.S. Census Bureau Building Permits Survey, single-family, Florida. Information deemed reliable but not guaranteed. Equal Housing Opportunity.

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