Gulf Breeze 32563

Pensacola-Ferry Pass-Brent, FL · Santa Rosa County, FL · 14,071 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

59affordability /100

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

Payment burden
25.2%
affordable
Days on market
62
daily
Price cuts
29.6%
of active
Valuation
+14.9%
vs assessor
Look up an address
62
/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

58/ 100SellerBalancedBuyer
Balanced Market
DOM: 83d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)25
Valuation Gap (25%)60
Supply & Demand (20%)100
Buy vs Rent (15%)50
Cancellation Rate (10%)50
Days on Market (5%)75

Balanced market in 32563. List price is roughly fair — focus on condition and value. Payment burden: 25.2% of median income. Median days on market: 83. Renting is approximately 38% cheaper than buying (price-to-rent ratio: 16.5).

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.

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Market snapshoteach number, once

Median price
$403,222
▾ 0.3% YoY
Days on market
62
daily · zip_data
Median rent
$2,031
ZORI
Investor score
62/100
cash-flow lens
Active listings
261
90-day

Valuation3 lenses, different anchors

vs assessor
+14.9%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$463,418
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+71.5%
County-wide market — the widest, slowest signal.
Santa Rosa+71.5%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$225
Price-to-income4.2×

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How 32563 ranks in FL
percentile vs all FL ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

18SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply17.8 mo
Days on Market62d
Inv vs History+2.9%
Listing Density23.7/1k
Market dynamics
Price cut %29.6%
Momentumstable
LeverageBALANCED
Months of supply17.8
Sales (90d)0
Investment analysis
Median rent$2,031
Price-to-rent16.5
Est. cap rate3.9%
Buy vs rentneutral

Livability

Walk score2
Transit score—
Bike score—

Historical trends

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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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Nearby ZIP codes

32566
Navarre
$418,527
+0.8%
Pensacola Metro·Overpriced ZIPs·Investor ZIPs·View on Map·Santa Rosa County