$95,000
Hibiscus St Lot 7
Big Pine Key, FL
0 ba
Land7,350 sqft lot
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Sarah Mitchell
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Compass Real Estate · Big Pine Key, FL
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Big Pine Key, FL(512) 555-0184TX License #0512847
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Big Pine Key, FL Housing Market
Buyer's market+0.7% YoY
Zillow, July 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, August 2026 · Refreshes weekly
The typical home in Big Pine Key, FL is worth $748,206, rose 0.7% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $802,000, +16.2% year over year (through May 2026). With 7.0 months of supply and homes going under contract in about 85 days, Big Pine Key is a buyer's market. At today's 6.66% 30-year fixed rate, 20% down on a $748,206 home is about $3,847/mo in principal and interest.
Key numbers for Big Pine Key, FL
Typical home value
$748,206
+0.7% in 12 months
Zillow, July 2026
Median sale price
$802,000
+16.2% year over year
Redfin, through May 2026
Days on market
85
Slow-moving
Redfin, through May 2026
Active listings
84
7.0 months of supply
Redfin, through May 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$92,452
Home costs 8.1x income
U.S. Census ACS, 2023
Sale-to-list ratio
96.0%
Selling below asking
Redfin, through May 2026
Zillow figures are as of July 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Big Pine Key a buyer's or seller's market?
Buyer's market7.0 months of supply85 days on market96.0% of asking
Big Pine Key, FL is a buyer's market, based on 7.0 months of supply and homes selling in about 85 days. Above 5 months of supply, homes start accumulating faster than they clear, which is where buyers gain leverage on price, repairs, and closing costs.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Big Pine Key housing market data show?
Every row below is Redfin's final published month for Big Pine Key, FL. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $802,000 |
| Median list price | $950,000 |
| Year-over-year price change | +16.2% |
| Median price per sq ft | $622/sq ft |
| Median days on market | 85 days |
| Active inventory | 84 listings |
| Months of supply | 7.0 months |
| Sale-to-list price ratio | 96.0% |
| Homes sold (that month) | 12 |
| New listings (that month) | 17 |
| Listings with a price cut | 13.1% |
| Market condition | Buyer's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Big Pine Key is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Big Pine Key is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Big Pine Key home prices moved?
Over the last three years the median sale price in Big Pine Key, FL rose 17.1%, from $685,000 to $802,000. The live Zillow value series has rose 0.7% in the last 12 months, which is the more current read now that Redfin's series has stopped. 13.1% of Big Pine Key listings cut their asking price in the final Redfin month — a modest share, which is what a market looks like when sellers are pricing close to where homes actually clear. For prices to fall meaningfully from here, supply would have to keep building past 7.0 months while the sale-to-list ratio slips below its current 96.0%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Big Pine Key?
Priced off the typical home value of $748,206 at the current 6.66% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $149,641 | $598,565 | $3,847/mo |
| 5% | $37,410 | $710,796 | $4,568/mo |
Zillow, July 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $3,847, that implies roughly $164,852 a year before you add taxes and insurance. The median household in Big Pine Key earns $92,452, about $72,400 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 8.1x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Big Pine Key in the next 12 months?
Tell us your timeline. We send the Big Pine Key market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Big Pine Key?
Zillow does not publish a rent index (ZORI) for Big Pine Key, FL, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Big Pine Key?
Active listings in Big Pine Key, FL went from 91 in May 2025 to 84 in May 2026, a -7.7% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 83 | 10 |
| July 2025 | 80 | 10 |
| August 2025 | 75 | 8 |
| September 2025 | 63 | 6 |
| October 2025 | 63 | 10 |
| November 2025 | 65 | 13 |
| December 2025 | 66 | 9 |
| January 2026 | 83 | 25 |
| February 2026 | 93 | 20 |
| March 2026 | 95 | 16 |
| April 2026 | 85 | 12 |
| May 2026 | 84 | 17 |
Redfin, through May 2026
How does Big Pine Key compare to Florida and the U.S.?
Big Pine Key homes sell for $802,000 — 90% above the Florida median of $421,500. Against the national median of $410,700, Big Pine Key runs 95% higher. Year-over-year, Big Pine Key moved +16.2% against Florida's +2.6% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Big Pine Key, FL | $802,000 | +16.2% | 85 days |
| Florida statewide | $421,500 | +2.6% | 66 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Big Pine Key
What buyers should watch
- Months of supply, currently 7.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 13.1%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $721 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $748,206 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Big Pine Key listing goes under contract in 85 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 96.0% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Big Pine Key added 17 new listings against 12 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +0.7% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Big Pine Key varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Big Pine Key
There are currently 84 homes listed for sale in Big Pine Key, Florida. The median listing price is $950K. Featured listings range from $95,000 to $3,899,000.
$424,900
31247 Avenue I
Big Pine Key, FL
2 bd2 ba672 sqft$632/ft²
Mobile home5,000 sqft lot
View photos & details
$550,000
57 Pelican Ln
Big Pine Key, FL
2 bd2 ba948 sqft$580/ft²
House13,088 sqft lot
View photos & details
$698,800
29048 Iris Dr
Big Pine Key, FL
3 bd2 ba1,039 sqft$673/ft²
House5,000 sqft lot
View photos & details
$750,000
30968 Baileys Ln
Big Pine Key, FL
2 bd2 ba1,270 sqft$591/ft²
House7,500 sqft lot
View photos & details
$779,000
1719 Narcissus Ave
Big Pine Key, FL
2 bd2 ba912 sqft$854/ft²
House5,100 sqft lot
View photos & details
$1,195,000
29534 Geraldine St
Big Pine Key, FL
3 bd2 ba1,530 sqft$781/ft²
House17,860 sqft lot
View photos & details
$1,249,000
1547 Gardenia Ln
Big Pine Key, FL
4 bd3 ba1,900 sqft$657/ft²
House
View photos & details
$1,290,000
29653 Saratoga Ave
Big Pine Key, FL
2 bd2 ba1,596 sqft$808/ft²
House7,500 sqft lot
View photos & details
$1,385,000
30830 Palm Dr
Big Pine Key, FL
3 bd2 ba2,556 sqft$542/ft²
House16,988 sqft lot
View photos & details
$1,495,000
1261 Avenue A
Big Pine Key, FL
Land2.29 acres
View photos & details
$3,899,000
1557 Long Beach Dr
Big Pine Key, FL
6 bd6 ba3,029 sqft$1287/ft²
House33,105 sqft lot
View photos & details
Looking to buy in Big Pine Key?
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Active listings
84
Homes on market
Median list price
$950K
Avg. days on market
85
Days until sale
New this week
17
Newly listed
Price drops:13.1%of listings
Sale-to-list:96.0%
How much do homes cost in Big Pine Key by property type?
How the Big Pine Key, FL market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $802,000 | $622/sq ft | 12 | 85 days |
Who lives in Big Pine Key?
American Community Survey estimates for Big Pine Key. U.S. Census ACS, 2023
Population
4,584
Households
1,959
Median income
$92,452/yr
Median age
54 years
Owner-occupied
82.6%
Median home value
$561,500
Median gross rent
$2,017/mo
Mean commute
26.7 min
82.6% of occupied homes in Big Pine Key are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $561,500 against Zillow's $748,206 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve Big Pine Key?
1 schools tracked · 99 students
The largest public schools serving Big Pine Key, FL by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
BIG PINE ACADEMY
Grades PK-5 · 99 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Big Pine Key, FL?
Ordered by distance from Big Pine Key, not by size. Compare Big Pine Key side by side with any of them.
Big Pine Key housing market FAQ
Is Big Pine Key a buyer's or seller's market?
Big Pine Key, FL is currently a buyer's market. That read comes from 7.0 months of supply, homes going under contract in about 85 days, and sellers getting 96.0% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Big Pine Key?
The typical home in Big Pine Key, FL is worth $748,206 (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $802,000, about $622 per square foot.
Is Big Pine Key cheaper than the rest of Florida?
Big Pine Key's median sale price of $802,000 is 90% higher than the Florida statewide median of $421,500, and 95% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Big Pine Key?
Homes in Big Pine Key, FL spent a median of 85 days on market before going under contract, versus 66 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Big Pine Key?
At the current 30-year fixed rate of 6.66%, 20% down on a $748,206 home is about $3,847 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $164,852 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $92,452.
Are home prices rising in Big Pine Key?
The typical home value in Big Pine Key, FL rose 0.7% over the last 12 months, from $743,059 to $748,206 (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Big Pine Key?
Big Pine Key ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Big Pine Key?
That depends on your timeline, not on a headline. What the data says today: Big Pine Key, FL is a buyer's market with 7.0 months of supply, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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