New Listing
24
$175,000
5306 Garden Cove Rd
Callaway, FL 32404
2 bd2 ba1,016 sqft$172/ft²
House4,356 sqft lot
Brook Simmons · Keller Williams Success Realty
View photos & details
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Compass Real Estate · Callaway, FL
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Callaway, FL(512) 555-0184TX License #0512847
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Callaway, FL Housing Market
Buyer's market+0.8% YoY
Zillow, July 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, August 2026 · Refreshes weekly
The typical home in Callaway, FL is worth $266,918, rose 0.8% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $284,000, -6.9% year over year (through May 2026). With 6.2 months of supply and homes going under contract in about 86 days, Callaway is a buyer's market. At today's 6.66% 30-year fixed rate, 20% down on a $266,918 home is about $1,372/mo in principal and interest.
Key numbers for Callaway, FL
Typical home value
$266,918
+0.8% in 12 months
Zillow, July 2026
Typical asking rent
$1,861/mo
Zillow Observed Rent Index
Zillow, July 2026
Median sale price
$284,000
-6.9% year over year
Redfin, through May 2026
Days on market
86
Slow-moving
Redfin, through May 2026
Active listings
155
6.2 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
$69,388
Home costs 3.8x income
U.S. Census ACS, 2023
Sale-to-list ratio
98.7%
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 Callaway a buyer's or seller's market?
Buyer's market6.2 months of supply86 days on market98.7% of asking
Callaway, FL is a buyer's market, based on 6.2 months of supply and homes selling in about 86 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 Callaway housing market data show?
Every row below is Redfin's final published month for Callaway, FL. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $284,000 |
| Median list price | $300,000 |
| Year-over-year price change | -6.9% |
| Median price per sq ft | $172/sq ft |
| Median days on market | 86 days |
| Active inventory | 155 listings |
| Months of supply | 6.2 months |
| Sale-to-list price ratio | 98.7% |
| Homes sold (that month) | 25 |
| New listings (that month) | 39 |
| Listings with a price cut | 27.1% |
| 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 Callaway is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Callaway 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 Callaway home prices moved?
Over the last three years the median sale price in Callaway, FL rose 4.2%, from $272,500 to $284,000. The live Zillow value series has rose 0.8% in the last 12 months, which is the more current read now that Redfin's series has stopped. 27.1% of Callaway 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 6.2 months while the sale-to-list ratio slips below its current 98.7%. 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 Callaway?
Priced off the typical home value of $266,918 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% | $53,384 | $213,534 | $1,372/mo |
| 5% | $13,346 | $253,572 | $1,630/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 $1,372, that implies roughly $58,810 a year before you add taxes and insurance. The median household in Callaway earns $69,388, about $10,578 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 3.8x — above the historical 3x norm but in line with much of the country in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Callaway in the next 12 months?
Tell us your timeline. We send the Callaway 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 Callaway?
Typical asking rent in Callaway, FL is $1,861/mo, against a typical home value of $266,918. That is a price-to-rent ratio of 11.9x, which means buying tends to beat renting on monthly cost over a typical hold. Compared head to head, 20% down puts principal and interest at $1,372 a month — $489 less than renting before taxes and insurance, so ownership can win on monthly cost alone once you have the down payment.
Zillow, July 2026 for both value and rent
Add your own down payment, tax rate and time horizon in the rent vs. buy calculator.
Is inventory rising or falling in Callaway?
Active listings in Callaway, FL went from 124 in May 2025 to 155 in May 2026, a +25.0% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 131 | 46 |
| July 2025 | 127 | 36 |
| August 2025 | 111 | 27 |
| September 2025 | 103 | 22 |
| October 2025 | 124 | 52 |
| November 2025 | 131 | 37 |
| December 2025 | 118 | 23 |
| January 2026 | 130 | 38 |
| February 2026 | 150 | 57 |
| March 2026 | 161 | 46 |
| April 2026 | 154 | 32 |
| May 2026 | 155 | 39 |
Redfin, through May 2026
How does Callaway compare to Florida and the U.S.?
Callaway homes sell for $284,000 — 33% below the Florida median of $421,500. Against the national median of $410,700, Callaway runs 31% lower. Year-over-year, Callaway moved -6.9% against Florida's +2.6% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Callaway, FL | $284,000 | -6.9% | 86 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 Callaway
What buyers should watch
- Months of supply, currently 6.2. 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 27.1%. 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 $257 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 $266,918 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 Callaway listing goes under contract in 86 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 98.7% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Callaway added 39 new listings against 25 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +0.8% 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 Callaway varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Callaway
There are currently 155 homes listed for sale in Callaway, Florida. The median listing price is $300K. Featured listings range from $175,000 to $319,490.
New Build
30
$255,544
7153 Fox Meadow Dr
Callaway, FL 32404
3 bd2 ba1,365 sqft$187/ft²
House3,920 sqft lot
Regan Crockett · Adams Homes Realty, Inc.
View photos & details
New Build
31
$260,852
7157 Fox Meadow Dr
Callaway, FL 32404
3 bd2 ba1,317 sqft$198/ft²
House3,920 sqft lot
Regan Crockett · Adams Homes Realty, Inc.
View photos & details
New Build
30
$293,900
266 Reddy Creek Dr
Callaway, FL 32404
3 bd2 ba1,427 sqft$206/ft²
House
View photos & details
New Build
40
$295,104
7161 Fox Meadow Dr
Callaway, FL 32404
3 bd3 ba1,648 sqft$179/ft²
House3,920 sqft lot
Regan Crockett · Adams Homes Realty, Inc.
View photos & details
New Build
12
$299,990
5171 Harvey St
Callaway, FL 32404
4 bd2 ba1,805 sqft$166/ft²
House
View photos & details
New Listing
2
$300,000
7526 Linda Ln
Callaway, FL 32404
3 bd2 ba1,917 sqft$156/ft²
House13,939 sqft lot
Frank Trenholm · Coldwell Banker Realty
View photos & details
New Build
2
$302,490
5133 Harvey St
Callaway, FL 32404
3 bd2 ba1,568 sqft$193/ft²
House
View photos & details
New Build
2
$302,990
5129 Harvey St
Callaway, FL 32404
3 bd2 ba1,721 sqft$176/ft²
House
View photos & details
New Build
12
$303,490
5141 Harvey St
Callaway, FL 32404
4 bd2 ba1,805 sqft$168/ft²
House
View photos & details
New Build
14
$315,990
5125 Harvey St
Callaway, FL 32404
4 bd2 ba2,062 sqft$153/ft²
House
View photos & details
New Build
14
$319,490
5159 Harvey St
Callaway, FL 32404
4 bd2 ba2,062 sqft$155/ft²
House
View photos & details
Looking to buy in Callaway?
Get connected with a local real estate expert — free, no obligation.
Active listings
155
Homes on market
Median list price
$300K
Avg. days on market
86
Days until sale
New this week
39
Newly listed
Price drops:27.1%of listings
Sale-to-list:98.7%
How much do homes cost in Callaway by property type?
How the Callaway, 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 | $292,000 | $172/sq ft | 22 | 81 days |
| Townhouse | $167,500 | $129/sq ft | 2 | 102 days |
Who lives in Callaway?
American Community Survey estimates for Callaway. U.S. Census ACS, 2023
Population
13,297
Households
5,479
Median income
$69,388/yr
Median age
37.1 years
Owner-occupied
59.6%
Median home value
$215,300
Median gross rent
$1,319/mo
Mean commute
24.4 min
59.6% of occupied homes in Callaway 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 $215,300 against Zillow's $266,918 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions. Census median gross rent (all leases, including long-held ones) is $1,319/mo, below Zillow's $1,861/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which cities are near Callaway, FL?
Ordered by distance from Callaway, not by size. Compare Callaway side by side with any of them.
Which ZIP codes are in Callaway?
These are the ZIP codes we see on active Callaway listings. Redfin did not publish a matching ZIP-level sale row for the same period, so we are not ranking them by price here — each ZIP page shows exactly what we hold for it.
Callaway housing market FAQ
Is Callaway a buyer's or seller's market?
Callaway, FL is currently a buyer's market. That read comes from 6.2 months of supply, homes going under contract in about 86 days, and sellers getting 98.7% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Callaway?
The typical home in Callaway, FL is worth $266,918 (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $284,000, about $172 per square foot.
Is Callaway cheaper than the rest of Florida?
Callaway's median sale price of $284,000 is 33% lower than the Florida statewide median of $421,500, and 31% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Callaway?
Homes in Callaway, FL spent a median of 86 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 Callaway?
At the current 30-year fixed rate of 6.66%, 20% down on a $266,918 home is about $1,372 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $58,810 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $69,388.
Are home prices rising in Callaway?
The typical home value in Callaway, FL rose 0.8% over the last 12 months, from $264,828 to $266,918 (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Callaway?
Callaway 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 Callaway?
That depends on your timeline, not on a headline. What the data says today: Callaway, FL is a buyer's market with 6.2 months of supply, the 30-year fixed rate is 6.66%, and the price-to-rent ratio of 11.9x means buying tends to beat renting on monthly cost over a typical hold. Properties Incorporated publishes the data; it does not give financial advice.
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