Market Overview
Home Prices in Holt, FL
The median home value in Holt, FL is $279,990 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.8% compared to a year ago and down 4.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Holt are priced32% below average. Holt is part of the Crestview-Fort Walton Beach-Destin, FL metro area.
Over the past five years, Holt home values have risen by approximately22.2%, reflecting strong long-term appreciation in this market.
Price History
Holt Home Price Trend
City Comparison
Holt vs. National Median
At $279,990, homes in Holt cost 32% below the national median of $410,000. This makes Holt a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Holt?
20% Down Payment
$55,998
on $279,990
Monthly P&I
$1,460/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,854/mo
incl. taxes & insurance
Income Needed
$74,160
gross annual (30% rule)
10% Down Option
$27,999
+ PMI applies
Loan Amount (20% dn)
$223,992
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Holt, FL?
The median home value in Holt is $279,990 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.8% year-over-year.
How much have home prices changed in Holt?
Over the past year, home values in Holt have increased by 3.8%. Over five years, prices have risen approximately 22.2%.
How much do I need to earn to buy a home in Holt?
To comfortably afford the median home price of $279,990 with a 20% down payment ($55,998) at today's rates (6.8%), you'd need a gross annual income of approximately $74,160. This assumes keeping total housing costs at or below 30% of gross income.
How does Holt compare to the national average home price?
The national median home value is approximately $410,000. At $279,990, homes in Holt are 32% below the national average.
What metro area is Holt part of?
Holt is part of the Crestview-Fort Walton Beach-Destin, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.