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.

Home Value$315,252

-3.6%

Rent$2,063/mo

Prices falling — better for buyers.

Affordability

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Income (annual)

Down Payment

$63,050 on $315,252

Example: $75,000 household income. Change it above to see your own.

Stretch34.7% 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$9.49M Golden Beach$7.5M Fisher Island$6.39M Lake Buena Vista$6.09M Jupiter Inlet Colony$3.62M Manalapan$3.57M Golf$2.87M Boca Grande$2.63M

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

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Mary Esther, FL