The median home in Valparaiso, Florida is valued at $322,448, down 2.9% year over year. Typical monthly rent is $1,895, producing a price-to-rent ratio of 14.2x — below the national average of 18x. Valparaiso 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$322,448

-2.9%

Rent$1,895/mo

Prices falling — better for buyers.

Affordability

Enter your income for Valparaiso.

Income (annual)

Down Payment

$64,490 on $322,448

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

Stretch35.4% of income

Above 28% but manageable with cuts.

PITI$2,212

P/I35.4%

Afford$255K

Gap-$67K

P&I $1,630Tax $231Ins $350

Renting $317/mo cheaper ($1,895 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 Valparaiso 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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Valparaiso, FL