Santa Rosa County, Florida Housing Market
In Santa Rosa County, Florida, the median home value is $329,800, with a median monthly rent of $1,544. This places Santa Rosa County at #493 nationally out of 3134 counties by median home value, and #24 within Florida.
📈 Price Trend (2017 → 2024)
📊 Recent Market Momentum (FHFA HPI)
FHFA House Price Index — All-Transactions, Annual (2000 = 100) · Latest: 2025
📍 Economic Snapshot
Employment & Wages
- Avg weekly wage: $1,008
- Establishments: 4,593
- BLS QCEW, 2025
Housing Supply
- Single-family: 1,929
- Multi-family: 0
- U.S. Census Bureau, Building Permits Survey
Migration Patterns
- Inflow: 79,169 (avg $91,288)
- Outflow: 70,599 (avg $91,954)
- IRS Statistics of Income
📍 Sub-Market Activity
Top 5 active ZIP codes in Santa Rosa County · Latest: 2025
| # | ZIP Code | HPI | YoY Change | Latest Year |
|---|---|---|---|---|
| 1 | 32583 | 269.0 | -2.97% | 2025 |
| 2 | 32566 | 310.6 | -1.13% | 2025 |
| 3 | 32563 | 308.8 | +2.11% | 2025 |
| 4 | 32570 | 275.1 | -0.24% | 2025 |
| 5 | 32571 | 271.5 | +0.73% | 2025 |
Source: FHFA HPI for Five-Digit ZIP Codes (All-Transactions Index, 2000 = 100).
This product uses FHFA Data but is neither endorsed nor certified by FHFA.
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💰 Mortgage Guide → 🧾 Property Tax Data →How Santa Rosa County Compares
| Metric | Santa Rosa County | Florida Average | U.S. Average |
|---|---|---|---|
| Median Home Value | $329,800 | $284,325 | $227,706 |
| Median Gross Rent | $1,544 | $1,303 | $968 |
| Owner Occupancy Rate | 80.6% | 74.6% | 73.3% |
| Price/Rent Ratio | 17.8 | 17.6 | 18.7 |
Market Analysis
The median home value in Santa Rosa County is 16.0% above the Florida state average and 44.8% above the U.S. national average. The median rent of $1,544/month is 18.5% above the state average.
With a price-to-rent ratio of 17.8, the buy-vs-rent decision in Santa Rosa County is balanced. Whether buying or renting makes more sense depends on your time horizon, down payment capacity, and local market conditions.
Santa Rosa County has an owner-occupancy rate of 80.6%, compared to 74.6% in Florida and 73.3% nationally. This indicates a more homeowner-heavy market than the U.S. average.
Similar Counties by Home Value
| County | State | Median Home Value | Median Rent |
|---|---|---|---|
| Churchill County | Nevada | $329,900 | $1,319 |
| Lancaster County | South Carolina | $329,900 | $959 |
| Spencer County | Kentucky | $330,000 | $987 |
| Tulare County | California | $330,100 | $1,280 |
| Sweet Grass County | Montana | $330,100 | $1,149 |
Other Counties in Florida
| County | Median Home Value | Median Rent | Owner Occ. |
|---|---|---|---|
| Charlotte County | $328,900 | $1,464 | 83.8% |
| Brevard County | $339,600 | $1,556 | 76.7% |
| Lake County | $318,400 | $1,586 | 77.6% |
| Volusia County | $313,000 | $1,467 | 73.7% |
| Clay County | $312,500 | $1,551 | 75.9% |
Data Source: U.S. Census Bureau, American Community Survey (ACS) 2024 5-Year Estimates (2017–2024). Variables: B25077 (Median Home Value), B25064 (Median Gross Rent), B25003 (Tenure). Data collected on 2026-10-14. The price-to-rent ratio is calculated as Median Home Value ÷ (Median Monthly Rent × 12).