The median home in Mary Esther, Florida is valued at $315,252, down 3.6% year over year. Typical monthly rent is $2,063, producing a price-to-rent ratio of 12.7x — below the national average of 18x. Mary Esther 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$315,252

-3.6%

Rent$2,063/mo

AFFORDABILITY

Enter your income for Mary Esther.

Income (annual)

Down Payment

$63,050 on $315,252

Stretch — 34.7% of income

Above 28% but manageable with cuts.

PITI$2,170

P/I34.7%

Afford$254K

Gap-$61K

P&I $1,594Tax $226Ins $350

Renting $107/mo cheaper ($2,063 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 Mary Esther 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 →

MARY ESTHER, FL