Market Overview
Home Prices in Port Saint Joe, FL
The median home value in Port Saint Joe, FL is $477,635 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 4.5% compared to a year ago and down 4.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Port Saint Joe are priced16% above average. Port Saint Joe is part of the Panama City, FL metro area.
Over the past five years, Port Saint Joe home values have risen by approximately25.3%, reflecting strong long-term appreciation in this market.
Price History
Port Saint Joe Home Price Trend
City Comparison
Port Saint Joe vs. National Median
At $477,635, homes in Port Saint Joe cost 16% above the national median of $410,000. Buyers in Port Saint Joe should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Port Saint Joe?
20% Down Payment
$95,527
on $477,635
Monthly P&I
$2,491/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,164/mo
incl. taxes & insurance
Income Needed
$126,560
gross annual (30% rule)
10% Down Option
$47,764
+ PMI applies
Loan Amount (20% dn)
$382,108
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 Port Saint Joe, FL?
The median home value in Port Saint Joe is $477,635 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 4.5% year-over-year.
How much have home prices changed in Port Saint Joe?
Over the past year, home values in Port Saint Joe have decreased by 4.5%. Over five years, prices have risen approximately 25.3%.
How much do I need to earn to buy a home in Port Saint Joe?
To comfortably afford the median home price of $477,635 with a 20% down payment ($95,527) at today's rates (6.8%), you'd need a gross annual income of approximately $126,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Port Saint Joe compare to the national average home price?
The national median home value is approximately $410,000. At $477,635, homes in Port Saint Joe are 16% above the national average.
What metro area is Port Saint Joe part of?
Port Saint Joe is part of the Panama City, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.