Market Overview
Home Prices in Stock Island, FL
The median home value in Stock Island, FL is $657,606 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.8% compared to a year ago and down 4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Stock Island are priced60% above average. Stock Island is part of the Key West, FL metro area.
Over the past five years, Stock Island home values have risen by approximately23.6%, reflecting strong long-term appreciation in this market.
Price History
Stock Island Home Price Trend
City Comparison
Stock Island vs. National Median
At $657,606, homes in Stock Island cost 60% above the national median of $410,000. Buyers in Stock Island should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Stock Island?
20% Down Payment
$131,521
on $657,606
Monthly P&I
$3,430/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,356/mo
incl. taxes & insurance
Income Needed
$174,240
gross annual (30% rule)
10% Down Option
$65,761
+ PMI applies
Loan Amount (20% dn)
$526,085
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 Stock Island, FL?
The median home value in Stock Island is $657,606 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.8% year-over-year.
How much have home prices changed in Stock Island?
Over the past year, home values in Stock Island have decreased by 1.8%. Over five years, prices have risen approximately 23.6%.
How much do I need to earn to buy a home in Stock Island?
To comfortably afford the median home price of $657,606 with a 20% down payment ($131,521) at today's rates (6.8%), you'd need a gross annual income of approximately $174,240. This assumes keeping total housing costs at or below 30% of gross income.
How does Stock Island compare to the national average home price?
The national median home value is approximately $410,000. At $657,606, homes in Stock Island are 60% above the national average.
What metro area is Stock Island part of?
Stock Island is part of the Key West, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.