Defuniak Springs 32455

Crestview-Fort Walton Beach-Destin, FL · Walton County, FL · 3,444 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

52affordability /100

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

Payment burden
28.9%
stretched
Days on market
57
daily
Price cuts
12.6%
of active
Look up an address
67
/100
stable
hot · balanced · prices rising 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

70/ 100SellerBalancedBuyer
Negotiate Hard
DOM: 72d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)25
Valuation Gap (25%)100
Supply & Demand (20%)100
Buy vs Rent (15%)100
Cancellation Rate (10%)0
Days on Market (5%)75

Moderate buyer leverage in 32455. Room to negotiate 5-10% below list. Payment burden: 28.9% of median income. Median days on market: 72. Renting is approximately 120% cheaper than buying (price-to-rent ratio: 26.4). Market appears 44% 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.
HOTBALANCED

Market is running hot with fast-moving inventory. Conditions are balanced between buyers and sellers. Prices up 5.3% YoY.

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Market snapshoteach number, once

Median price
$215,148
▴ 5.3% YoY
Days on market
57
daily · zip_data
Median rent
$679
ZORI
Investor score
45/100
cash-flow lens
Active listings
20
90-day

Valuation3 lenses, different anchors

vs assessor
—
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$0
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%
Holmes+45.6%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$210
Price-to-income4.8×

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How 32455 ranks in FL
percentile vs all FL ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

30SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply31.7 mo
Days on Market57d
Inv vs History-13.8%
Listing Density11.6/1k
Market dynamics
Price cut %12.6%
Momentumhot
LeverageBALANCED
Months of supply31.7
Sales (90d)0
Investment analysis
Median rent$679
Price-to-rent26.4
Est. cap rate2.5%
Buy vs rentfavors renting

Livability

Walk score2
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