Freeport 32439

Crestview-Fort Walton Beach-Destin, FL · Walton County, FL · 12,010 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

49affordability /100

Buyer leverage is buyer advantage; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
30.8%
stretched
Days on market
96
daily
Price cuts
26.7%
of active
Valuation
-32.1%
vs assessor
Look up an address
47
/100
mixed
cooling · buyer advantage · prices easing year-over-year.

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

75/ 100SellerBalancedBuyer
Negotiate Hard
DOM: 115d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)80
Supply & Demand (20%)100
Buy vs Rent (15%)50
Cancellation Rate (10%)100
Days on Market (5%)100

Moderate buyer leverage in 32439. Room to negotiate 5-10% below list. Payment burden: 30.8% of median income. Median days on market: 115. Renting is approximately 38% cheaper than buying (price-to-rent ratio: 16.6). Market appears 24% overpriced vs. assessed values.

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.
COOLINGBUYER ADVANTAGE

Market is cooling with expanding inventory. Buyers have strong negotiating leverage. Prices down 2.3% YoY.

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Market snapshoteach number, once

Median price
$393,875
▾ 2.3% YoY
Days on market
96
daily · zip_data
Median rent
$1,982
ZORI
Investor score
57/100
cash-flow lens
Active listings
355
90-day

Valuation3 lenses, different anchors

vs assessor
-32.1%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$267,606
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+69.4%
County-wide market — the widest, slowest signal.
Walton+69.4%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$198
Price-to-income5.1×

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How 32439 ranks in FL
percentile vs all FL ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

9SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply23.8 mo
Days on Market96d
Inv vs History+6.0%
Listing Density62.7/1k
Market dynamics
Price cut %26.7%
Momentumcooling
LeverageBUYER ADVANTAGE
Months of supply23.8
Sales (90d)0
Investment analysis
Median rent$1,982
Price-to-rent16.6
Est. cap rate3.9%
Buy vs rentneutral

Livability

Walk score8
Transit score—
Bike score—

Historical trends

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Walton County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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Crestview Metro·Overpriced ZIPs·Investor ZIPs·View on Map·Walton County