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Featured local agent — Black Hammock, FL
Sarah Mitchell
Compass Real Estate · Black Hammock, FL
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Black Hammock, FL Housing Market
The last median sale price Redfin published was $737,500 (through May 2026). With 1.5 months of supply and homes going under contract in about 204 days, Black Hammock is a seller's market. At today's 6.66% 30-year fixed rate, 20% down on a $737,500 home is about $3,791/mo in principal and interest.
Key numbers for Black Hammock, FL
Median sale price
$737,500
Last published period
Redfin, through May 2026
Days on market
204
Slow-moving
Redfin, through May 2026
Active listings
3
1.5 months of supply
Redfin, through May 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Sale-to-list ratio
97.3%
Selling below asking
Redfin, through May 2026
Zillow figures 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 Black Hammock a buyer's or seller's market?
Black Hammock, FL is a seller's market, based on 1.5 months of supply and homes selling in about 204 days. Under 2 months of supply is a severe shortage: expect competition on almost anything priced correctly, and little room to negotiate below asking.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Black Hammock housing market data show?
Every row below is Redfin's final published month for Black Hammock, FL. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $737,500 |
| Median list price | $720,000 |
| Median price per sq ft | $401/sq ft |
| Median days on market | 204 days |
| Active inventory | 3 listings |
| Months of supply | 1.5 months |
| Sale-to-list price ratio | 97.3% |
| Homes sold (that month) | 2 |
| New listings (that month) | 2 |
| Listings with a price cut | 33.3% |
| Market condition | Seller'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 Black Hammock is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Black Hammock 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 Black Hammock home prices moved?
Across the 31 months we hold for Black Hammock, FL, the median sale price held roughly flat 0.3%, from $740,000 in May 2021 to $737,500. 33.3% of Black Hammock listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 1.5 months while the sale-to-list ratio slips below its current 97.3%. 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 Black Hammock?
Priced off the median sale price of $737,500 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% | $147,500 | $590,000 | $3,791/mo |
| 5% | $36,875 | $700,625 | $4,502/mo |
Redfin, through May 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 $3,791, that implies roughly $162,493 a year before you add taxes and insurance. We do not hold a Census income figure for Black Hammock, so we cannot compare that threshold to local earnings.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Black Hammock in the next 12 months?
Tell us your timeline. We send the Black Hammock 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 Black Hammock?
Zillow does not publish a rent index (ZORI) for Black Hammock, 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 Black Hammock?
Active listings in Black Hammock, FL went from 3 in April 2024 to 3 in May 2026, a +0.0% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| May 2024 | 1 | not published |
| June 2024 | 1 | not published |
| July 2024 | 1 | 1 |
| September 2024 | 2 | 1 |
| October 2024 | 1 | not published |
| November 2024 | 1 | not published |
| February 2025 | 3 | 2 |
| April 2025 | 3 | not published |
| October 2025 | 3 | not published |
| January 2026 | 4 | not published |
| March 2026 | 2 | 1 |
| May 2026 | 3 | 2 |
Redfin, through May 2026
How does Black Hammock compare to Florida and the U.S.?
Black Hammock homes sell for $737,500 — 75% above the Florida median of $421,500. Against the national median of $410,700, Black Hammock runs 80% higher.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Black Hammock, FL | $737,500 | not published | 204 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 Black Hammock
What buyers should watch
- Months of supply, currently 1.5. 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 33.3%. 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 $711 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 $737,500 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 Black Hammock listing goes under contract in 204 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 97.3% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Black Hammock added 2 new listings against 2 sales — more clearing than arriving, which is the better window to list.
- Comparable ZIP-level pricing inside Black Hammock varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Black Hammock
There are currently 3 homes listed for sale in Black Hammock, Florida. The median listing price is $720K.
Active listings
3
Homes on market
Median list price
$720K
Avg. days on market
204
Days until sale
New this week
2
Newly listed
How much do homes cost in Black Hammock by property type?
How the Black Hammock, 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 | $737,500 | $401/sq ft | 2 | 204 days |
Who lives in Black Hammock?
American Community Survey estimates for Black Hammock. U.S. Census ACS, 2023
Population
1,194
Households
631
Median age
61.4 years
Owner-occupied
98.4%
Median home value
$278,400
Mean commute
23.3 min
98.4% of occupied homes in Black Hammock 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.
Which cities are near Black Hammock, FL?
Ordered by distance from Black Hammock, not by size. Compare Black Hammock side by side with any of them.
Black Hammock housing market FAQ
Is Black Hammock a buyer's or seller's market?
Black Hammock, FL is currently a seller's market. That read comes from 1.5 months of supply, homes going under contract in about 204 days, and sellers getting 97.3% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Black Hammock?
The median sale price in the last month Redfin published was $737,500, about $401 per square foot.
Is Black Hammock cheaper than the rest of Florida?
Black Hammock's median sale price of $737,500 is 75% higher than the Florida statewide median of $421,500, and 80% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Black Hammock?
Homes in Black Hammock, FL spent a median of 204 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 Black Hammock?
At the current 30-year fixed rate of 6.66%, 20% down on a $737,500 home is about $3,791 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $162,493 a year before taxes, insurance, HOA dues or mortgage insurance.
Are home prices rising in Black Hammock?
We do not hold a complete 12-month value series for Black Hammock, FL yet, so we are not going to call a direction. The price chart above shows every period we do have.
What are the cheapest ZIP codes in Black Hammock?
Black Hammock 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 Black Hammock?
That depends on your timeline, not on a headline. What the data says today: Black Hammock, FL is a seller's market with 1.5 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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One email: what homes are actually clearing at around $737,500, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.