Fort Walton Beach 32548

Crestview-Fort Walton Beach-Destin, FL · Okaloosa County, FL · 13,514 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

47affordability /100

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

Payment burden
32.4%
stretched
Days on market
79
daily
Price cuts
22.5%
of active
Valuation
-8.1%
vs assessor
Look up an address
63
/100
stable
stable · 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

46/ 100SellerBalancedBuyer
Balanced Market
Needs 7.4% correction for affordability
DOM: 105d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)25
Cancellation Rate (10%)25
Days on Market (5%)100

Balanced market in 32548. List price is roughly fair — focus on condition and value. Payment burden: 32.4% of median income. Median days on market: 105. Renting is approximately 19% cheaper than buying (price-to-rent ratio: 14.3).

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
STABLEBALANCED

Market is holding steady with balanced conditions. Conditions are balanced between buyers and sellers.

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Market snapshoteach number, once

Median price
$341,011
▴ 1.2% YoY
Days on market
79
daily · zip_data
Median rent
$1,981
ZORI
Investor score
74/100
cash-flow lens
Active listings
269
90-day

Valuation3 lenses, different anchors

vs assessor
-8.1%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$313,354
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$268
Price-to-income5.3×

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How 32548 ranks in FL
percentile vs all FL ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

14SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply26.2 mo
Days on Market79d
Inv vs History-0.6%
Listing Density26.3/1k
Market dynamics
Price cut %22.5%
Momentumstable
LeverageBALANCED
Months of supply26.2
Sales (90d)0
Investment analysis
Median rent$1,981
Price-to-rent14.3
Est. cap rate4.5%
Buy vs rentfavors buying

Livability

Walk score7
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