Mary Esther 32569

Crestview-Fort Walton Beach-Destin, FL · Okaloosa County, FL · 5,765 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

57affordability /100

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

Payment burden
26.4%
affordable
Days on market
103
daily
Price cuts
23.2%
of active
Valuation
0%
vs assessor
Look up an address
68
/100
stable
stable · balanced · 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

50/ 100SellerBalancedBuyer
Balanced Market
DOM: 94d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)25
Valuation Gap (25%)40
Supply & Demand (20%)100
Buy vs Rent (15%)25
Cancellation Rate (10%)50
Days on Market (5%)100

Balanced market in 32569. List price is roughly fair — focus on condition and value. Payment burden: 26.4% of median income. Median days on market: 94. Renting is approximately 12% cheaper than buying (price-to-rent ratio: 13.4).

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
$321,096
▾ 0.7% YoY
Days on market
103
daily · zip_data
Median rent
$1,992
ZORI
Investor score
73/100
cash-flow lens
Active listings
116
90-day

Valuation3 lenses, different anchors

vs assessor
0.0%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$320,950
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$218
Price-to-income4.3×

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How 32569 ranks in FL
percentile vs all FL ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

12SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply21.3 mo
Days on Market103d
Inv vs History+2.9%
Listing Density22.7/1k
Market dynamics
Price cut %23.2%
Momentumstable
LeverageBALANCED
Months of supply21.3
Sales (90d)0
Investment analysis
Median rent$1,992
Price-to-rent13.4
Est. cap rate4.8%
Buy vs rentfavors buying

Livability

Walk score—
Transit score—
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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Nearby ZIP codes

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