Townhome Communities in Martin County, FL
Looking for townhome communities in Martin County, FL? Momentum Realty tracks 13 Martin County communities with evidence of townhome and villa living, each with MLS-derived pricing and market pace below — plus the local questions worth asking before you buy, and a direct line to an agent who works these communities.
Martin County townhome communities at a glance
The communities, by recent sales activity
| Community | City | Median price | 1-yr change | Days on mkt |
|---|---|---|---|---|
| Emerald Lakes · agent | Stuart | $279,000 | – | 29 d |
| The Meadows at Martin Downs · agent | Palm City | $333,000 | – | 125 d |
| River Pines · agent | Stuart | $230,000 | – | 55 d |
| River Marina · agent | Stuart | $332,000 | – | 78 d |
| Sunset Trace at Martin Downs · agent | Palm City | $208,000 | – | 93 d |
| Camellia · agent | Stuart | $415,000 | – | – |
| Whitemarsh Reserve · agent | Stuart | $350,000 | – | 19 d |
| Whispering Sound · agent | Palm City | $329,000 | – | – |
| Cinnamon Tree · agent | Jensen Beach | $185,000 | – | 44 d |
| Osprey Preserve · agent | Jensen Beach | $430,000 | – | 60 d |
| Trillium · agent | Stuart | $345,000 | – | 94 d |
| Willoughby Golf Club · agent | Stuart | $420,000 | – | 145 d |
| Manatee Isles | Stuart | – | – | 271 d |
Communities are listed by recent closing volume in Momentum’s MLS data. Figures are aggregates, change over time, and are deemed reliable but not guaranteed.
What a townhome actually buys you in Florida
Townhomes and villas sit between condos and single-family homes: you typically own the structure and the lot beneath it, with the HOA maintaining exteriors, roofs, or grounds depending on the documents. That split is the whole game — read the declaration to learn exactly which parts of the building are yours to insure and repair. Ask specifically about roof responsibility and age: in Florida, who replaces the roof (you, the HOA, or shared) changes both your insurance quote and your reserves risk.
Fees and insurance are the comparison that matters
Compare townhome communities on the fee-to-coverage ratio: what the monthly fee actually maintains, the association’s master insurance versus what your HO-6 or HO-3 policy must cover, and the reserve balance behind shared roofs and exteriors. Our buyer closing costs calculator turns price plus dues into the real monthly number.
What it costs to own here
At Martin County’s typical combined millage of 15.47 mills, a purchase at $332,500 (the median across these townhome communities) generates roughly $5,143 a year in property tax before exemptions — about $429 a month. Florida resets the assessed value to roughly your purchase price, so the seller’s current bill is not a preview of yours; a homesteaded owner then gets the $25,000–$50,000 exemption and the 3% Save Our Homes cap going forward. Citizens Property Insurance policies in Martin County average about $2,580 a year ($215 a month) — private-market quotes vary with roof age and wind mitigation, so price coverage before your inspection window closes. All-in, our county model puts the typical monthly cost of ownership in Martin County near $2,754 (principal and interest on the typical home, tax, and insurance).
Run your exact numbers: the property tax after purchase calculator uses Martin County’s verified millage, and the buyer closing costs calculator builds the full cash-to-close.
Demand and supply in Martin County right now
In the most recent IRS migration data (2022-2023), Martin County gained a net 1,335 people to relocation, with the largest inbound flows from NY, NJ, CT. Households moving IN reported average incomes of $142,932 versus $90,119 for those leaving — the income mix of demand, straight from tax filings. Population is up about 1.8% over the recent multi-year window. On the supply side, builders pulled 845 residential permits in Martin County in 2025 (843 single-family), up 30.8% year over year — against 1,334 at the 2022 peak. Permits are tomorrow’s inventory: a shrinking pipeline supports prices, a swelling one hands buyers leverage. Our valuation model reads the county as overvalued by about 13.2% versus its income-and-rent fundamentals.
The Martin County market, in context
Martin County is Stuart and the Sailfish-Capital coast — a deliberately low-density, affluent Treasure Coast county that has fought to preserve its small-town, waterfront character.
The economy behind the market: {'drivers': 'healthcare, marine industry, professional services, and agriculture', 'summary': "Martin's economy is anchored by Cleveland Clinic Martin Health (the county's largest employer), a robust marine industry — boat building, repair, and yacht services around Stuart's waterways — plus professional services tied to an affluent population and an agricultural base (citrus, cattle) in the west. The county's strict growth management deliberately limits the scale of development.", 'employers': ['Cleveland Clinic Martin Health', 'Martin County School District', 'Martin County government', 'marine-industry firms (boatbuilding, repair, yacht services)', 'Publix', 'agriculture (west county)'], 'jobNote': "Cleveland Clinic Martin Health is the county's largest employer; Stuart's marine industry — boatbuilding, repair, and yacht services — is a defining sector."}
What could change it: Martin carries Treasure Coast hurricane and storm-surge exposure on the barrier island and along the rivers, with high coastal insurance, and the Indian River Lagoon's health is an environmental concern. The county's strict growth management keeps supply tight (supporting values but limiting options), and prices run above the neighboring Treasure Coast counties.
Run the numbers in Martin County
- Find the best agent in Martin County
- Get a cash offer in Martin County
- Martin County housing scorecard
- What would selling net you
- Buyer closing costs calculator
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Common questions
How many townhome communities does Martin County, FL have?
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What are property taxes like in Martin County?
Community classifications are compiled from MLS-reported amenities, verified amenity records and MLS build-year data, as of 2026-06-16; they are informational, change over time, and are deemed reliable but not guaranteed — verify details with each association. Not an offer of housing to any protected class to the exclusion of others. Equal Housing Opportunity.