Destin 32541

Name: 32541 Destin, FL housing market record
Creator: Lotvox
License: https://lotvox.com/terms

Crestview-Fort Walton Beach-Destin, FL · Okaloosa County, FL · 18,282 properties with county records

This page: 0 views, fetched by 0 AI engines, citations not yet checked, 0 address lookups, since 2026-10-01 (server log began then).

Destin 32541 is in Okaloosa County, FL, part of the Crestview Metro. The typical home value in Destin 32541 is $614,544 (Zillow Home Value Index, August 2026), up 1.7% from a year earlier. Homes that sold went under contract in a median 99 days, and 21% of listings took a price cut (Redfin Data Center, period ending Aug 31, 2026). On Lotvox's market-leverage reading of that data, with 7.7 months of supply, sellers hold a slight edge. The Lotvox Turnover Index is not published for 32541 yet: it appears only where a held-out test on the county's recorded sales beats chance. Across Okaloosa County's 12 ZIPs with a Zillow value, the middle one is $321,962, so 32541 sits 91% above the county middle. Typical rent is $2,110 a month (Zillow Observed Rent Index, August 2026). Lotvox holds county assessor records for 18,282 properties in 32541.

Headline value data through August 2026. Each source below carries its own date.

Is 32541 a buyer's or seller's market?

By Lotvox's leverage reading of Redfin data through Aug 31, 2026, 32541 is a seller's market, narrowly. Homes went under contract in a median 99 days with 7.7 months of supply.

What do homes in 32541 sell for?

The typical home value in 32541 is $614,544 (Zillow Home Value Index, August 2026), up 1.7% in a year. County records put the median at about $396 per square foot (computed Apr 21, 2026).

Who is likely to sell in 32541?

Lotvox only publishes its Turnover Index where a held-out test on recorded sales beats chance, and 32541 has not passed that test yet. When it does, the score appears here.

How does 32541 compare to Okaloosa County?

32541's typical value of $614,544 compares with a middle value of $321,962 across Okaloosa County's 12 ZIPs. Both are Zillow Home Value Index figures for August 2026.

Where does this 32541 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.

Sources: Zillow Home Value Index (ZHVI) (as of Aug 31, 2026) · Redfin Data Center (as of Aug 31, 2026) · Zillow Observed Rent Index (ZORI) (as of Aug 31, 2026) · county assessor records (counted Oct 15, 2026) · How Lotvox works

Cite as: Lotvox ZIP market record, 32541 Destin, FL, data through August 2026, https://lotvox.com/crestview/zip/32541

Listings Flow Ladder — Listings flow could not be loaded (429).

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

43.9%

severe

Days on market

daily

Price cuts

21.2%

of active

Valuation

-26.1%

vs assessor

Look up an address

Rent vs own

Not available for this ZIP — no rent or ownership-cost estimate published here.

Rent to price

Not available for this ZIP — no price-to-rent ratio published here.

/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 / seller

buyer-timing lens

Negotiate Hard

Needs 31.7% 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: 40.4% of median income. A 13% 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

Look Up an Address in 32541

Just type the street — we'll auto-scope the search to ZIP 32541.

Actions

Export, share, or compare this ZIP

Compare

Share & embed

free · county-record data · links back here

X LinkedIn Facebook Email Share card

Embed this market card on your site

<iframe src="https://lotvox.com/embed/zip/32541" width="100%" height="300" style="border:0;border-radius:12px;overflow:hidden;max-width:640px" loading="lazy" title="Destin 32541 — Lotvox market card"></iframe>
<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/crestview/zip/32541?utm_source=embed&utm_medium=backlink">Destin 32541 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshot

each number, once

Median price

$614,544

▴ 1.7% YoY

Days on market

daily · zip_data

Median rent

$2,110

ZORI

Investor score

35/100

cash-flow lens

Active listings

614

90-day

Valuation

3 lenses, different anchors

vs assessor

-26.1%

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

+50.2%

County-wide market — the widest, slowest signal.

Okaloosa+50.2%

Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.

Pricing detail

Price / sqft$396

Price-to-income6.7×

Unlock Vacancy Data

Available with Lotvox Pro — $29/mo.

Start free trial

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 Market99d

Inv vs History-5.0%

Listing Density72.7/1k

Market dynamics

Price cut %21.2%

Momentumstable

LeverageSELLER SLIGHT

Months of supply7.7

Sales (90d)240

Investment analysis

Median rent$2,110

Price-to-rent25.5

Est. cap rate2.5%

Buy vs rentfavors renting

Livability

Walk score9

Transit score2

Bike score—

Historical trends

Unlock Historical Trends

Available with Lotvox Pro — $29/mo.

Start free trial

Housing pulse

4 charts, one facade

Housing pulse — Housing pulse could not be loaded (429).

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 Okaloosa.

Current tiers · 12 months to Aug 25floor 10 sales/tier

Tier	Median	$/sqft	Sales	Share	Source
Under $250k	$206k	$228	46	5.9%	ZIP
$250k–$500k	$394k	$290	256	33.1%	ZIP
$500k–$750k	$600k	$406	183	23.6%	ZIP
$750k–$1M	$875k	$419	77	9.9%	ZIP
$1M–$1.5M	$1.20M	$462	95	12.3%	ZIP
$1.5M–$2M	$1.75M	$518	60	7.8%	ZIP
$2M+	$2.70M	$675	57	7.4%	ZIP
All sales (the headline median)	$595k	$385	774	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 32541.

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.

Unlock Price Bands

Available with Lotvox Pro — $29/mo.

Start free trial

Okaloosa County context

macro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

ZIP 32541→Okaloosa County, FL

12-Month Direction

-6Stable

Confidence

100%

DeterioratingStableImproving

BuildersLens Market Intelligence

Market Score

42· Weak

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

43.9%

severe

Source: Freddie Mac PMMS (FRED MORTGAGE30US) 7.4% · Zillow ZHVI · Census income · Updated 2026-10-08

Price-to-rent

24.3x

favors renting

Source: Zillow ZHVI ÷ (Zillow ZORI × 12)

Valuation24

+50.2%

overvalued

Source: Lotvox comps · Updated 2026-05-15