The median home in Santa Rosa Beach, Florida is valued at $848,079, down 6.9% year over year. Typical monthly rent is $1,949, producing a price-to-rent ratio of 36.3x — well above the national average of 18x. Santa Rosa 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.

Home Value$848,079

-6.9%

Rent$1,949/mo

Prices falling — better for buyers.

Affordability

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Income (annual)

Down Payment

$169,616 on $848,079

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

Out of reach83.9% of income

Need $224,829/yr to afford.

PITI$5,246

P/I83.9%

Afford$283K

Gap-$565K

P&I $4,288Tax $608Ins $350

Renting $3,297/mo cheaper ($1,949 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 Santa Rosa Beach 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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Santa Rosa Beach, FL