The median home in Fort Walton Beach, Florida is valued at $314,718, down 2.2% year over year. Typical monthly rent is $1,821, producing a price-to-rent ratio of 14.4x — below the national average of 18x. Fort Walton Beach is part of the Crestview-Fort Walton Beach-Destin, FL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Crestview-Fort Walton Beach-Destin, FL stress score, crash risk, and 12-month forecast →

Home Value$314,718

-2.2%

Rent$1,821/mo

AFFORDABILITY

Enter your income for Fort Walton Beach.

Income (annual)

Down Payment

$62,944 on $314,718

Stretch — 34.7% of income

Above 28% but manageable with cuts.

PITI$2,167

P/I34.7%

Afford$254K

Gap-$61K

P&I $1,591Tax $226Ins $350

Renting $346/mo cheaper ($1,821 rent)6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Florida

Compare Fort Walton Beach with other housing markets across Florida.

Jupiter Island$9494K Golden Beach$7499K Fisher Island$6393K Lake Buena Vista$6088K Jupiter Inlet Colony$3619K Manalapan$3569K Golf$2871K Boca Grande$2635K

Full Crestview-Fort Walton Beach-Destin, FL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Crestview-Fort Walton Beach-Destin, FL metro.

View Crestview-Fort Walton Beach-Destin, FL metro →

FORT WALTON BEACH, FL