$35,000
10 Harbor Blvd Unit E203G
Destin, FL 32541
2 bd2 ba1,249 sqft$28/ft²
House
Rachell Chauvin · Legendary Realty LLC
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Destin, FL Housing Market
Buyer's market+2.0% YoY
Zillow, July 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, August 2026 · Refreshes weekly
The typical home in Destin, FL is worth $624,660, rose 2.0% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $647,000, +14.1% year over year (through May 2026). With 9.2 months of supply and homes going under contract in about 78 days, Destin is a buyer's market. At today's 6.66% 30-year fixed rate, 20% down on a $624,660 home is about $3,211/mo in principal and interest.
Key numbers for Destin, FL
Typical home value
$624,660
+2.0% in 12 months
Zillow, July 2026
Typical asking rent
$2,045/mo
Zillow Observed Rent Index
Zillow, July 2026
Median sale price
$647,000
+14.1% year over year
Redfin, through May 2026
Days on market
78
Slow-moving
Redfin, through May 2026
Active listings
552
9.2 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
$89,141
Home costs 7.0x income
U.S. Census ACS, 2023
Sale-to-list ratio
94.8%
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 Destin a buyer's or seller's market?
Buyer's market9.2 months of supply78 days on market94.8% of asking
Destin, FL is a buyer's market, based on 9.2 months of supply and homes selling in about 78 days. Above 7 months of supply is a glut: inventory is well ahead of the sales pace, and buyers can take time to inspect, compare, and negotiate concessions.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Destin housing market data show?
Every row below is Redfin's final published month for Destin, FL. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $647,000 |
| Median list price | $569,000 |
| Year-over-year price change | +14.1% |
| Median price per sq ft | $439/sq ft |
| Median days on market | 78 days |
| Active inventory | 552 listings |
| Months of supply | 9.2 months |
| Sale-to-list price ratio | 94.8% |
| Homes sold (that month) | 60 |
| New listings (that month) | 99 |
| Listings with a price cut | 21.0% |
| 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 Destin is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Destin 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 Destin home prices moved?
Over the last three years the median sale price in Destin, FL rose 11.1%, from $582,500 to $647,000. The live Zillow value series has rose 2.0% in the last 12 months, which is the more current read now that Redfin's series has stopped. 21.0% of Destin 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 9.2 months while the sale-to-list ratio slips below its current 94.8%. 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 Destin?
Priced off the typical home value of $624,660 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% | $124,932 | $499,728 | $3,211/mo |
| 5% | $31,233 | $593,427 | $3,814/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 $3,211, that implies roughly $137,631 a year before you add taxes and insurance. The median household in Destin earns $89,141, about $48,490 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 7.0x — 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 Destin in the next 12 months?
Tell us your timeline. We send the Destin 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 Destin?
Typical asking rent in Destin, FL is $2,045/mo, against a typical home value of $624,660. That is a price-to-rent ratio of 25.5x, which means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Compared head to head, 20% down puts principal and interest at $3,211 a month — $1,166 more than renting before taxes and insurance, so the ownership case here rests on equity and appreciation rather than monthly cash flow.
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 Destin?
Active listings in Destin, FL went from 674 in May 2025 to 552 in May 2026, a -18.1% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 641 | 76 |
| July 2025 | 622 | 88 |
| August 2025 | 612 | 97 |
| September 2025 | 602 | 88 |
| October 2025 | 571 | 82 |
| November 2025 | 549 | 82 |
| December 2025 | 489 | 46 |
| January 2026 | 473 | 88 |
| February 2026 | 499 | 120 |
| March 2026 | 533 | 155 |
| April 2026 | 551 | 119 |
| May 2026 | 552 | 99 |
Redfin, through May 2026
How does Destin compare to Florida and the U.S.?
Destin homes sell for $647,000 — 53% above the Florida median of $421,500. Against the national median of $410,700, Destin runs 58% higher. Year-over-year, Destin moved +14.1% against Florida's +2.6% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Destin, FL | $647,000 | +14.1% | 78 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 Destin
What buyers should watch
- Months of supply, currently 9.2. 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 21.0%. 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 $602 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 $624,660 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 Destin listing goes under contract in 78 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 94.8% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Destin added 99 new listings against 60 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +2.0% 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 Destin varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Destin
There are currently 552 homes listed for sale in Destin, Florida. The median listing price is $569K. Featured listings range from $35,000 to $3,450,000.
29
$35,000
10 Harbor Blvd Unit E102C
Destin, FL 32541
2 bd2 ba1,249 sqft$28/ft²
House
Rachell Chauvin · Legendary Realty LLC
View photos & details
New Listing
16
$279,000
775 Gulf Shore Dr Unit 8254
Destin, FL 32541
0 bd1 ba471 sqft$592/ft²
Condo
Sara Pilko · Coldwell Banker Realty
View photos & details
New Listing
10
$289,000
317 Bayshore Dr
Destin, FL 32550
Land9,148 sqft lot
John Magee · One Beach Real Estate
View photos & details
New Listing
34
$475,000
4707 Amhurst Cir
Destin, FL 32541
2 bd2 ba1,056 sqft$450/ft²
House3,049 sqft lot
Sarah Stone · Scenic Sotheby's International Realty
View photos & details
New Listing
59
$1,050,000
8 Weekewachee Cir
Destin, FL 32541
4 bd6 ba4,726 sqft$222/ft²
House
Myles Jones · Compass
View photos & details
New Listing
$1,075,000
54 Terra Cotta Way
Destin, FL 32541
4 bd4 ba2,193 sqft$490/ft²
House4,356 sqft lot
At The Beach Team · Keller Williams Realty Destin
View photos & details
New Listing
62
$1,080,000
943 Emerald Bay Dr
Destin, FL 32541
4 bd3 ba2,709 sqft$399/ft²
House11,761 sqft lot
The Steely Group · World Impact Real Estate
View photos & details
New Listing
56
$1,495,000
83 Sunfish St
Destin, FL 32541
5 bd4 ba2,450 sqft$610/ft²
House7,405 sqft lot
Jennifer Bond · Compass
View photos & details
New Listing
48
$1,850,000
413 Henderson Cottage Way
Destin, FL 32541
3 bd4 ba2,315 sqft$799/ft²
House
The Richards Group · Compass
View photos & details
New Listing
41
$2,425,600
4458 Luke Ave
Destin, FL 32541
7 bd6 ba3,320 sqft$731/ft²
House7,405 sqft lot
Ethan Knight · Century 21 Wimco Realty Inc
View photos & details
New Listing
71
$3,450,000
4553 Luke Ave
Destin, FL 32541
9 bd8 ba4,510 sqft$765/ft²
House7,405 sqft lot
Ethan Knight · Century 21 Wimco Realty Inc
View photos & details
Looking to buy in Destin?
Get connected with a local real estate expert — free, no obligation.
Active listings
552
Homes on market
Median list price
$569K
Avg. days on market
78
Days until sale
New this week
99
Newly listed
Price drops:21.0%of listings
Sale-to-list:94.8%
How much do homes cost in Destin by property type?
How the Destin, 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 | $1.10M | $534/sq ft | 21 | 94 days |
| Condo / co-op | $430,000 | $444/sq ft | 32 | 76 days |
| Townhouse | $630,000 | $358/sq ft | 7 | 131 days |
Who lives in Destin?
American Community Survey estimates for Destin. U.S. Census ACS, 2023
Population
14,018
Households
6,206
Median income
$89,141/yr
Median age
41.5 years
Owner-occupied
69.8%
Median home value
$455,100
Median gross rent
$1,913/mo
Mean commute
25 min
69.8% of occupied homes in Destin 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 $455,100 against Zillow's $624,660 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 $1,913/mo, below Zillow's $2,045/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which public schools serve Destin?
3 schools tracked · 2,341 students
The largest public schools serving Destin, 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.
DESTIN ELEMENTARY SCHOOL
Grades PK-4 · 933 students
DESTIN MIDDLE SCHOOL
Grades 5-8 · 851 students
DESTIN HIGH SCHOOL
Grades 9-12 · 557 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 Destin, FL?
Ordered by distance from Destin, not by size. Compare Destin side by side with any of them.
Which ZIP codes are in Destin?
These are the ZIP codes we see on active Destin 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.
Destin housing market FAQ
Is Destin a buyer's or seller's market?
Destin, FL is currently a buyer's market. That read comes from 9.2 months of supply, homes going under contract in about 78 days, and sellers getting 94.8% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Destin?
The typical home in Destin, FL is worth $624,660 (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $647,000, about $439 per square foot.
Is Destin cheaper than the rest of Florida?
Destin's median sale price of $647,000 is 53% higher than the Florida statewide median of $421,500, and 58% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Destin?
Homes in Destin, FL spent a median of 78 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 Destin?
At the current 30-year fixed rate of 6.66%, 20% down on a $624,660 home is about $3,211 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $137,631 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $89,141.
Are home prices rising in Destin?
The typical home value in Destin, FL rose 2.0% over the last 12 months, from $612,485 to $624,660 (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Destin?
Destin 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 Destin?
That depends on your timeline, not on a headline. What the data says today: Destin, FL is a buyer's market with 9.2 months of supply, the 30-year fixed rate is 6.66%, and the price-to-rent ratio of 25.5x means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Properties Incorporated publishes the data; it does not give financial advice.
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