Destin 32541

Crestview-Fort Walton Beach-Destin, FL · Okaloosa County, FL · 18,282 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

33affordability /100

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

Payment burden
40.6%
severe
Days on market
106
daily
Price cuts
21.7%
of active
Valuation
-27%
vs assessor
Look up an address
43
/100
mixed
stable · seller slight · 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

75/ 100SellerBalancedBuyer
Negotiate Hard
Needs 26.1% correction for affordability
DOM: 137d (falling) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)90
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)100
Cancellation Rate (10%)100
Days on Market (5%)100

Moderate buyer leverage in 32541. Room to negotiate 5-10% below list. Payment burden: 40.6% of median income. A 14% price correction needed to reach 30% affordability threshold. Median days on market: 137. Renting is approximately 112% cheaper than buying (price-to-rent ratio: 25.5).

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.
STABLESELLER SLIGHT

Market is holding steady with balanced conditions. Sellers hold a slight edge.

Address lookup$99 report path

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Market snapshoteach number, once

Median price
$622,186
▴ 0.7% YoY
Days on market
106
daily · zip_data
Median rent
$2,031
ZORI
Investor score
35/100
cash-flow lens
Active listings
630
90-day

Valuation3 lenses, different anchors

vs assessor
-27.0%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$454,300
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+50.7%
County-wide market — the widest, slowest signal.
Okaloosa+50.7%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$396
Price-to-income6.7×

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How 32541 ranks in FL
percentile vs all FL ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

11SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply42.8 mo
Days on Market106d
Inv vs History-3.2%
Listing Density74.6/1k
Market dynamics
Price cut %21.7%
Momentumstable
LeverageSELLER SLIGHT
Months of supply42.8
Sales (90d)0
Investment analysis
Median rent$2,031
Price-to-rent25.5
Est. cap rate2.5%
Buy vs rentfavors renting

Livability

Walk score9
Transit score2
Bike score—

Historical trends

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Okaloosa 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·Okaloosa County