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.

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

Home Value$848,079

-6.9%

Rent$1,949/mo

AFFORDABILITY

Enter your income for Santa Rosa Beach.

Income (annual)

Down Payment

$169,616 on $848,079

Out of reach — 83.9% 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$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 →

SANTA ROSA BEACH, FL