Navarre 32566

Pensacola-Ferry Pass-Brent, FL · Santa Rosa County, FL · 17,465 properties · updated 7/26/2026

Should you buy here?buyer-timing lens

58affordability /100

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

Payment burden

26.3%

affordable

Days on market

daily

Price cuts

26.0%

of active

Valuation

-69%

vs assessor

Look up an address

/100

mixed

stable · balanced · 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

Balanced Market

DOM: 80d (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 32566. List price is roughly fair — focus on condition and value. Payment burden: 25.7% of median income. Median days on market: 80. Renting is approximately 32% cheaper than buying (price-to-rent ratio: 15.8).

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.

Address lookup$99 report path

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<iframe src="https://lotvox.com/embed/zip/32566" width="100%" height="300" style="border:0;border-radius:12px;overflow:hidden;max-width:640px" loading="lazy" title="Navarre 32566 — Lotvox market card"></iframe>
<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/pensacola/zip/32566?utm_source=embed&utm_medium=backlink">Navarre 32566 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshoteach number, once

Median price

$421,657

▴ 1.4% YoY

Days on market

daily · zip_data

Median rent

$2,123

ZORI

Investor score

67/100

cash-flow lens

Active listings

383

90-day

Valuation3 lenses, different anchors

vs assessor

-69.0%

Market vs assessed value — a tax-roll lag, not a deal signal.

Avg assessor$130,700

county CAMA · properties_v

vs income

—

Fair-value model not available for this market.

fair_value_scores · 10-state coverage

vs county comps

+71.1%

County-wide market — the widest, slowest signal.

Santa Rosa+71.1%

Lotvox comps · mv_valuation_gap

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

Pricing detail

Price / sqft$216

Price-to-income4.2×

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How 32566 ranks in FL

percentile vs all FL ZIPs

Comparative ranking not available for this ZIP.

Affordability, supply & momentum

17SUPPLY

OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply22.5 mo

Days on Market68d

Inv vs History-0.9%

Listing Density24.5/1k

Market dynamics

Price cut %26.0%

Momentumstable

LeverageBALANCED

Months of supply22.5

Sales (90d)0

Investment analysis

Median rent$2,123

Price-to-rent15.8

Est. cap rate4.1%

Buy vs rentneutral

Livability

Walk score2

Transit score—

Bike score—

Historical trends

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Price bandsmix-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 Santa Rosa.

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

1 tier had too few sales in this ZIP and are shown at county or metro level — see the stamp on each row.

Tier	Median	$/sqft	Sales	Share	Source
Under $250k	$115k	$127	121	11.6%	ZIP
$250k–$500k	$377k	$179	626	60.1%	ZIP
$500k–$750k	$577k	$197	196	18.8%	ZIP
$750k–$1M	$842k	$341	55	5.3%	ZIP
$1M–$1.5M	$1.20M	$430	25	2.4%	ZIP
$1.5M–$2M	$1.74M	$398	16	—	COUNTY · Santa Rosa, FL
$2M+	$2.74M	$638	13	1.2%	ZIP
All sales (the headline median)	$409k	$183	1,041	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 32566.

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.

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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.

ZIP 32566→Santa Rosa County, FL

12-Month Direction

+2Stable

Confidence

100%

DeterioratingStableImproving

BuildersLens Market Intelligence

Market Score

41· 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 Burden59

24.5%

affordable

Source: Lotvox · Updated 2026-05-15

Buy vs Rent48

1.277x

rent advantage

Source: Lotvox · Updated 2026-05-15

Valuation16

+71.1%

overvalued

Source: Lotvox comps · Updated 2026-05-15

Supply/Demand13

3.9 mo

balanced

Source: Lotvox MLS · Updated 2026-05-15

Insurance Risk

44/100

low_risk

Source: FEMA/NFIP · Updated 2026-04

County distress indicators

ECONOMIC INDICATORS

Economic indicators are mixed relative to comparable U.S. counties.

Unemployment Rate

Near national averages

Source: BLS LAUS · 2026-0667d ago

Poverty Rate

Lower than most U.S. counties

Median Household Income

Higher than most U.S. counties

Cost of Living (RPP)

Near national averages

Home Value (ZHVI)$350,872

County data: BLS, Census ACS, CDC, FBI UCR, Federal Reserve, USDA

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Nearby ZIP codes

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