What $400K Buys in Santa Rosa County, FL
A $400K budget buys a very different house depending on which Santa Rosa County city you point it at. This page compares every city with at least five active listings within 10% of $400K — size, age, bed and bath count, price per square foot, how much of the inventory is new construction and how long it has been sitting — from today’s live MLS actives, and lists the communities with the most homes at that price. It refreshes every night.
There are 166 homes for sale in Santa Rosa County, FL priced between $360,000 and $440,000 right now. At $400K, the typical home is 2,089 sq ft, built 2025, at $188/sq ft; 51% of them are new construction and the median has been on the market 55 days. The most house for the money is in Pace (2,297 sq ft median); the least in Navarre (1,673 sq ft); the newest in Milton (median build year 2026).
What $400K buys, city by city
| City | Homes for sale | Median sq ft | Beds / baths | Median year built | $ / sq ft | New construction | Median DOM |
|---|---|---|---|---|---|---|---|
| Milton | 70 | 2,261 | 4 / 2.75 | 2026 | $183 | 60% | 67 |
| Pace | 57 | 2,297 | 4 / 2.5 | 2026 | $184 | 56% | 52 |
| Navarre | 20 | 1,673 | 3 / 2 | 2001 | $252 | 35% | 9 |
| Gulf Breeze | 17 | 1,808 | 3 / 2 | 2003 | $227 | 18% | 42 |
By ZIP code: where $400K goes furthest
The same budget by ZIP — useful where one city covers most of the county.
| ZIP | Homes for sale | Median sq ft | Median year built | $ / sq ft | New construction |
|---|---|---|---|---|---|
| 32571 Pace | 58 | 2,279 | 2026 | $184 | 55% |
| 32583 Milton | 47 | 2,343 | 2026 | $177 | 62% |
| 32570 Milton | 22 | 2,068 | 2026 | $185 | 59% |
| 32566 Navarre | 21 | 1,673 | 2002 | $252 | 33% |
| 32563 Gulf Breeze | 15 | 1,808 | 2004 | $227 | 20% |
Communities with the most homes near $400K
| Community | City | Homes for sale near $400K | Median sq ft | Median year built |
|---|---|---|---|---|
| Lakes Of Woodbine | Pace | 12 | 2,306 | 2026 |
| Hammond Place | Milton | 10 | 2,831 | 2026 |
| Yellow River Ranch | Milton | 9 | 2,030 | 2024 |
| Parkland Place | Pace | 8 | 2,829 | 2026 |
| Grove At Berryhill | Milton | 6 | 2,304 | 2026 |
| Jubilee | Pace | 5 | 2,187 | 2026 |
| Hidden Pines Estates | Milton | 4 | 2,730 | 2026 |
| Sentinel Ridge | Pace | 3 | 2,314 | 2026 |
| Pace Mill Creek | Pace | 3 | 2,516 | 2016 |
| Saddlebrook Estates | Pace | 3 | 1,787 | 2023 |
| Winners Gait | Pace | 2 | 2,400 | 2009 |
| Indian Hills | Pace | 2 | 2,084 | 1998 |
| Casablanca | Gulf Breeze | 2 | 1,902 | 1965 |
| Captains Cove | Navarre | 2 | 1,580 | 2026 |
| Yellow River Farms | Milton | 2 | 2,477 | 2026 |
How to read this
Counts and medians are computed from active MLS listings priced within 10% of $400K ($360,000–$440,000) as of October 8, 2026; property mix at this price: Single-family 98%, Condo 2%. Cities with fewer than five listings in the band are folded out of the city table but still count in the county total. Prices are asking prices, not closings — see the county page for sale-to-list ratios. Source: live MLS feeds compiled by Momentum Research. Other budgets in Santa Rosa County: $300K, $500K, $750K, $1M. Back to homes for sale in Santa Rosa County, FL.