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Featured local agent — Garcon Point, FL
Sarah Mitchell
Compass Real Estate · Garcon Point, FL
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Garcon Point, FL Housing Market
The last median sale price Redfin published was $414,900, -2.6% year over year (through May 2026). With 1.7 months of supply and homes going under contract in about 247 days, Garcon Point is a seller's market. At today's 6.66% 30-year fixed rate, 20% down on a $414,900 home is about $2,133/mo in principal and interest.
Key numbers for Garcon Point, FL
Median sale price
$414,900
-2.6% year over year
Redfin, through May 2026
Days on market
247
Slow-moving
Redfin, through May 2026
Active listings
5
1.7 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
$106,463
Home costs 3.9x income
U.S. Census ACS, 2023
Sale-to-list ratio
100.0%
Selling above 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 Garcon Point a buyer's or seller's market?
Garcon Point, FL is a seller's market, based on 1.7 months of supply and homes selling in about 247 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 Garcon Point housing market data show?
Every row below is Redfin's final published month for Garcon Point, FL. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $414,900 |
| Year-over-year price change | -2.6% |
| Median price per sq ft | $183/sq ft |
| Median days on market | 247 days |
| Active inventory | 5 listings |
| Months of supply | 1.7 months |
| Sale-to-list price ratio | 100.0% |
| Homes sold (that month) | 3 |
| Listings with a price cut | 60.0% |
| 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 Garcon Point is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Garcon Point 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 Garcon Point home prices moved?
Over the last three years the median sale price in Garcon Point, FL fell 2.4%, from $425,000 to $414,900. 60.0% of Garcon Point 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 1.7 months while the sale-to-list ratio slips below its current 100.0%. 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 Garcon Point?
Priced off the median sale price of $414,900 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% | $82,980 | $331,920 | $2,133/mo |
| 5% | $20,745 | $394,155 | $2,533/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 $2,133, that implies roughly $91,415 a year before you add taxes and insurance. The median household in Garcon Point earns $106,463, about $15,048 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 3.9x — 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 Garcon Point in the next 12 months?
Tell us your timeline. We send the Garcon Point 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 Garcon Point?
Zillow does not publish a rent index (ZORI) for Garcon Point, 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 Garcon Point?
Active listings in Garcon Point, FL went from 10 in November 2024 to 5 in May 2026, a -50.0% 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 |
|---|---|---|
| February 2025 | 8 | not published |
| April 2025 | 10 | 3 |
| May 2025 | 10 | 3 |
| June 2025 | 12 | 3 |
| July 2025 | 10 | 1 |
| August 2025 | 11 | 3 |
| October 2025 | 7 | 2 |
| November 2025 | 5 | not published |
| December 2025 | 5 | not published |
| March 2026 | 9 | 3 |
| April 2026 | 10 | 2 |
| May 2026 | 5 | not published |
Redfin, through May 2026
How does Garcon Point compare to Florida and the U.S.?
Garcon Point homes sell for $414,900 — 2% below the Florida median of $421,500. Against the national median of $410,700, Garcon Point runs 1% higher. Year-over-year, Garcon Point moved -2.6% against Florida's +2.6% — a smaller swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Garcon Point, FL | $414,900 | -2.6% | 247 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 Garcon Point
What buyers should watch
- Months of supply, currently 1.7. 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 60.0%. 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 $400 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 $414,900 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 Garcon Point listing goes under contract in 247 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 100.0% of asking. Price at the number you want and let competition do the rest.
- Comparable ZIP-level pricing inside Garcon Point varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Garcon Point
There are currently 5 homes listed for sale in Garcon Point, Florida.
Active listings
5
Homes on market
Avg. days on market
247
Days until sale
How much do homes cost in Garcon Point by property type?
How the Garcon Point, 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 | $414,900 | $183/sq ft | 3 | 247 days |
Who lives in Garcon Point?
American Community Survey estimates for Garcon Point. U.S. Census ACS, 2023
Population
581
Households
243
Median income
$106,463/yr
Median age
43.5 years
Owner-occupied
100.0%
Median home value
$347,000
100.0% of occupied homes in Garcon Point 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 Garcon Point, FL?
Ordered by distance from Garcon Point, not by size. Compare Garcon Point side by side with any of them.
Garcon Point housing market FAQ
Is Garcon Point a buyer's or seller's market?
Garcon Point, FL is currently a seller's market. That read comes from 1.7 months of supply, homes going under contract in about 247 days, and sellers getting 100.0% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Garcon Point?
The median sale price in the last month Redfin published was $414,900, about $183 per square foot.
Is Garcon Point cheaper than the rest of Florida?
Garcon Point's median sale price of $414,900 is 2% lower than the Florida statewide median of $421,500, and 1% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Garcon Point?
Homes in Garcon Point, FL spent a median of 247 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 Garcon Point?
At the current 30-year fixed rate of 6.66%, 20% down on a $414,900 home is about $2,133 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $91,415 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $106,463.
Are home prices rising in Garcon Point?
Redfin's last published year-over-year change for Garcon Point, FL was -2.6%, measured through May 2026. That series is frozen; treat it as a historical reading rather than a current trend.
What are the cheapest ZIP codes in Garcon Point?
Garcon Point 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 Garcon Point?
That depends on your timeline, not on a headline. What the data says today: Garcon Point, FL is a seller's market with 1.7 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 $414,900, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.