Gulf Breeze 32561

Pensacola-Ferry Pass-Brent, FL · Santa Rosa County, FL · 6,965 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

43affordability /100

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

Payment burden
34.8%
stretched
Days on market
76
daily
Price cuts
18.5%
of active
Valuation
-44.2%
vs assessor
Look up an address
42
/100
mixed
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

51/ 100SellerBalancedBuyer
Balanced Market
Needs 13.8% correction for affordability
DOM: 108d (falling) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)75
Cancellation Rate (10%)0
Days on Market (5%)100

Balanced market in 32561. List price is roughly fair — focus on condition and value. Payment burden: 34.9% of median income. Median days on market: 108. Renting is approximately 79% cheaper than buying (price-to-rent ratio: 21.5).

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. Prices down 1.7% YoY.

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Market snapshoteach number, once

Median price
$683,945
▾ 1.7% YoY
Days on market
76
daily · zip_data
Median rent
$2,647
ZORI
Investor score
42/100
cash-flow lens
Active listings
155
90-day

Valuation3 lenses, different anchors

vs assessor
-44.2%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$381,600
county CAMA · properties_v
vs income
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+68.0%
County-wide market — the widest, slowest signal.
Escambia+68.0%
Santa Rosa+71.5%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$442
Price-to-income5.8×

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How 32561 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 Supply27.0 mo
Days on Market76d
Inv vs History-4.9%
Listing Density37.7/1k
Market dynamics
Price cut %18.5%
Momentumstable
LeverageBALANCED
Months of supply27
Sales (90d)0
Investment analysis
Median rent$2,647
Price-to-rent21.5
Est. cap rate3.0%
Buy vs rentfavors renting

Livability

Walk score10
Transit score1
Bike score

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Santa Rosa 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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