Market Overview
Home Prices in Santa Rosa Beach, FL
The median home value in Santa Rosa Beach, FL is $857,032 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.1% compared to a year ago and down 8.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Santa Rosa Beach are priced109% above average. Santa Rosa Beach is part of the Crestview-Fort Walton Beach-Destin, FL metro area.
Over the past five years, Santa Rosa Beach home values have risen by approximately15.0%, reflecting steady appreciation in this market.
Price History
Santa Rosa Beach Home Price Trend
City Comparison
Santa Rosa Beach vs. National Median
At $857,032, homes in Santa Rosa Beach cost 109% above the national median of $410,000. Buyers in Santa Rosa Beach should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Santa Rosa Beach?
20% Down Payment
$171,406
on $857,032
Monthly P&I
$4,470/mo
30-yr @ 6.8%
Total Monthly Est.
~$5,677/mo
incl. taxes & insurance
Income Needed
$227,080
gross annual (30% rule)
10% Down Option
$85,703
+ PMI applies
Loan Amount (20% dn)
$685,626
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 Santa Rosa Beach, FL?
The median home value in Santa Rosa Beach is $857,032 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.1% year-over-year.
How much have home prices changed in Santa Rosa Beach?
Over the past year, home values in Santa Rosa Beach have decreased by 1.1%. Over five years, prices have risen approximately 15.0%.
How much do I need to earn to buy a home in Santa Rosa Beach?
To comfortably afford the median home price of $857,032 with a 20% down payment ($171,406) at today's rates (6.8%), you'd need a gross annual income of approximately $227,080. This assumes keeping total housing costs at or below 30% of gross income.
How does Santa Rosa Beach compare to the national average home price?
The national median home value is approximately $410,000. At $857,032, homes in Santa Rosa Beach are 109% above the national average.
What metro area is Santa Rosa Beach part of?
Santa Rosa Beach is part of the Crestview-Fort Walton Beach-Destin, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.