Jay 32565

Pensacola-Ferry Pass-Brent, FL · Santa Rosa County, FL · 2,409 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

64affordability /100

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

Payment burden
22.1%
affordable
Days on market
61
daily
Price cuts
25.3%
of active
Look up an address
82
/100
strong
warming · buyer advantage · 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 / sellerbuyer-timing lens

69/ 100SellerBalancedBuyer
Negotiate Hard
DOM: 119d (falling) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)100
Supply & Demand (20%)100
Buy vs Rent (15%)75
Cancellation Rate (10%)75
Days on Market (5%)100

Moderate buyer leverage in 32565. Room to negotiate 5-10% below list. Payment burden: 22.1% of median income. Median days on market: 119. Renting is approximately 88% cheaper than buying (price-to-rent ratio: 22.6). Market appears 32% overpriced vs. assessed values.

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.
WARMINGBUYER ADVANTAGE

Market is warming with rising prices. Buyers have strong negotiating leverage. Prices up 5.0% YoY.

Address lookup$99 report path

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Market snapshoteach number, once

Median price
$279,542
▴ 5.0% YoY
Days on market
61
daily · zip_data
Median rent
$1,032
ZORI
Investor score
52/100
cash-flow lens
Active listings
32
90-day

Valuation3 lenses, different anchors

vs assessor
—
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$0
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$176
Price-to-income3.6×

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How 32565 ranks in FL
percentile vs all FL ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

30SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply13.6 mo
Days on Market61d
Inv vs History-34.2%
Listing Density15.4/1k
Market dynamics
Price cut %25.3%
Momentumwarming
LeverageBUYER ADVANTAGE
Months of supply13.6
Sales (90d)0
Investment analysis
Median rent$1,032
Price-to-rent22.6
Est. cap rate2.9%
Buy vs rentfavors renting

Livability

Walk score3
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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Pensacola Metro·Overpriced ZIPs·Investor ZIPs·View on Map·Santa Rosa County