Crestview-Fort Walton Beach-Destin, FL · Walton County, FL · 13,852 properties with county records
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Miramar Beach 32550 is in Walton County, FL, part of the Crestview Metro. The typical home value in Miramar Beach 32550 is $655,269 (Zillow Home Value Index, September 2026), up 0.1% from a year earlier. Homes that sold went under contract in a median 108 days, and 19% of listings took a price cut (Redfin Data Center, period ending Sep 30, 2026). On Lotvox's market-leverage reading of that data, with 10.1 months of supply, sellers hold a slight edge. The Lotvox Turnover Index is not published for 32550 yet: it appears only where a held-out test on the county's recorded sales beats chance. Across Walton County's 7 ZIPs with a Zillow value, the middle one is $388,440, so 32550 sits 69% above the county middle. Typical rent is $3,178 a month (Zillow Observed Rent Index, September 2026). Lotvox holds county assessor records for 13,852 properties in 32550.
Headline value data through September 2026. Each source below carries its own date.
Is 32550 a buyer's or seller's market?
By Lotvox's leverage reading of Redfin data through Sep 30, 2026, 32550 is a seller's market, narrowly. Homes went under contract in a median 108 days with 10.1 months of supply.
What do homes in 32550 sell for?
The typical home value in 32550 is $655,269 (Zillow Home Value Index, September 2026), up 0.1% in a year. County records put the median at about $476 per square foot (computed Apr 21, 2026).
Who is likely to sell in 32550?
Lotvox only publishes its Turnover Index where a held-out test on recorded sales beats chance, and 32550 has not passed that test yet. When it does, the score appears here.
How does 32550 compare to Walton County?
32550's typical value of $655,269 compares with a middle value of $388,440 across Walton County's 7 ZIPs. Both are Zillow Home Value Index figures for September 2026.
Where does this 32550 data come from?
Values and rents come from Zillow's research data, sales pace from the Redfin Data Center, and property counts and turnover from county assessor and deed records. Each number on this page carries its own date, and the method is published at lotvox.com/methodology.
Cite as: Lotvox ZIP market record, 32550 Miramar Beach, FL, data through September 2026, https://lotvox.com/crestview/zip/32550
Listings Flow Ladder — 32550
Faucet, basin and drain — new listings in, active inventory, closed sales out.as of Sep 30, 2026
the basin is fillingnet 28 listings/mo
Faucet — new listings
93/mo
106% of normal (88) · normal
Basin — active listings
661
140% of normal (472) · high
Months of supply
10.1 mo
derived — not published at this grain
Drain — closed sales
65/mo
79% of normal (82)
Net — faucet minus drain
+28/mo
filling
Reading
current
as of 2026-09-30
Compare against:2015-01-01 to 2019-12-31 · 5 same-month points
How plugged is the drain? Two definitions, both ours, deliberately not reconciled.
43%Absorption vs its own normal— 1 - (closed sales / active listings) / same-month median of that ratio
21%Closed sales vs its own normal— 1 - closed sales per month / same-month median closed sales per month
Closed sales over 24 months — two different numbers, deliberately not merged.
20/mofall in the monthly rate (23%)— peak 85/mo (2025-10-31) to 65/mo now
580transactions that did not happen— summed monthly shortfall vs the same-month normal, over 22 months below it (vs 2015-19 (COVID excluded))
rate_drop_from_peak is a change in the monthly rate; cumulative_shortfall_vs_normal counts transactions not transacted. They are different quantities and are not interchangeable.
2026-09-30
Redfin market data (county + ZIP), via Lotvox. As of 2026-09-30. Normal = same-month median of monthly rates, minimum 3 same-month points. Source window 3 months (flows shown per month). months_of_supply is not published at this grain (0 non-null rows measured); derived here as active listings / closed sales per month. A fresher supply-only read (90 new, 722 active, 2026-09-01, Realtor.com inventory (county + ZIP), via Lotvox) is available but is NOT used in the net — that source publishes no closed sales, so subtracting across it would mix two vintages.
Should you buy here?
buyer-timing lens
32affordability /100
Buyer leverage is seller slight; weigh payment burden and the 3-lens valuation before bidding.
Payment burden
44.9%
severe
Days on market
108
daily
Price cuts
19.4%
of active
Valuation
-26.7%
vs assessor
Days on market and price cuts: Redfin Data Center, rolling 90 days.
Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.
Buyer / seller
buyer-timing lens
Negotiate Hard
Needs 33.2% correction for affordability
DOM: 141d (falling) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)90
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)75
Cancellation Rate (10%)75
Days on Market (5%)100
Moderate buyer leverage in 32550. Room to negotiate 5-10% below list. Payment burden: 41.4% of median income. A 15% price correction needed to reach 30% affordability threshold. Median days on market: 141. Renting is approximately 82% cheaper than buying (price-to-rent ratio: 21.9).
What to Offer
Offer 5-10% below list. You have room to negotiate.
Median price: Zillow Home Value Index (ZHVI). Median rent: Zillow Observed Rent Index (ZORI). Days on market and active listings: Redfin Data Center, rolling 90 days.
Valuation
3 lenses, different anchors
vs assessor
-26.7%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$480,307
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+68.7%
County-wide market — the widest, slowest signal.
Walton+68.7%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
in 1,436 · out 1,166 · Walton County, FL (parent county of this ZIP)
active inventory
as of 2026-07-01 · IRS SOI county-to-county migration flows 2022-2023 + Redfin inventory history
Price bands
mix-shift
Price Bands — the median behind the median
A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Walton.
Current tiers · 12 months to Aug 25floor 10 sales/tier
Tier
Median
$/sqft
Sales
Share
Source
Under $250k
$200k
$160
25
4.0%
ZIP
$250k–$500k
$390k
$243
126
20.3%
ZIP
$500k–$750k
$611k
$389
188
30.3%
ZIP
$750k–$1M
$858k
$400
94
15.1%
ZIP
$1M–$1.5M
$1.25M
$455
79
12.7%
ZIP
$1.5M–$2M
$1.73M
$459
40
6.4%
ZIP
$2M+
$2.80M
$591
69
11.1%
ZIP
All sales (the headline median)
$703k
$432
621
100%
ZIP
No mix-shift history for this area. no geography from this ZIP up to metro has 8+ quarters of 10+ recorded arms-length sales across at least 4 price tiers. Trends are drawn only from recorded transactions; the last-sale snapshot above cannot carry a time series, because a property that sold twice keeps only its latest sale — which drags the history upward through the tiers and would invent the very mix shift this section exists to test for.
National context — not local
NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 32550.
United States
South
Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.
Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.
ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.
ZIP 32550→Walton County, FL
12-Month Direction
-21Moderate Deterioration
Confidence
100%
DeterioratingStableImproving
BuildersLens Market Intelligence
Market Score
33· Distressed
Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.
Payment Burden
44.9%
severe
Source: Freddie Mac PMMS (FRED MORTGAGE30US) 7.32% · Zillow ZHVI · Census income · Updated 2026-10-22
Price-to-rent
17.2x
neutral
Source: Zillow ZHVI ÷ (Zillow ZORI × 12)
Valuation0
+68.7%
overvalued
Source: Lotvox comps · Updated 2026-05-15
Supply/Demand
10.1 mo
buyer's market
Source: Redfin Data Center (ZIP): inventory ÷ monthly homes sold · Updated 2026-09-30
Insurance Risk
59/100
elevated
Source: FEMA/NFIP · Updated 2026-04
County distress indicators
ECONOMIC INDICATORS
Economic indicators are mixed relative to comparable U.S. counties.
Unemployment Rate
4.3%
FL 4.5%US 4.4%
Near national averages
Source: BLS LAUS · 2026-0857d ago
Poverty Rate
10.9%
FL 12.4%US 12.6%
Near national averages
Median Household Income
$79,281
FL $72,373US $82,006
Higher than most U.S. counties
Cost of Living (RPP)
101.2
FL 101.2US 100.3
Near national averages
Home Value (ZHVI)$656,360
County data: Zillow Home Value Index (ZHVI), BLS, Census ACS, CDC, FBI UCR, Federal Reserve, USDA
Tenure by age of householder (ACS B25007) is not published below county. Any ZIP figure here is DERIVED from the county's age-specific owner rates applied to this ZIP's own age structure — never read directly.
Derived — this ZIP
20.5% in 2023
of owner-occupied homes have a householder 75 or older
