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Featured local agent — Gulf Stream, FL
Sarah Mitchell
Compass Real Estate · Gulf Stream, FL
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Gulf Stream, FL Housing Market
The typical home in Gulf Stream, FL is worth $2.78M, rose 8.3% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $12.47M, +197.0% year over year (through May 2026). With 6.5 months of supply and homes going under contract in about 56 days, Gulf Stream is a buyer's market. At today's 6.66% 30-year fixed rate, 20% down on a $2.78M home is about $14,312/mo in principal and interest.
Key numbers for Gulf Stream, FL
Typical home value
$2.78M
+8.3% in 12 months
Zillow, July 2026
Median sale price
$12.47M
+197.0% year over year
Redfin, through May 2026
Days on market
56
Average pace
Redfin, through May 2026
Active listings
13
6.5 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
$196,806
Home costs 14.1x income
U.S. Census ACS, 2023
Sale-to-list ratio
90.7%
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 Gulf Stream a buyer's or seller's market?
Gulf Stream, FL is a buyer's market, based on 6.5 months of supply and homes selling in about 56 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 Gulf Stream housing market data show?
Every row below is Redfin's final published month for Gulf Stream, FL. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $12.47M |
| Median list price | $3.70M |
| Year-over-year price change | +197.0% |
| Median days on market | 56 days |
| Active inventory | 13 listings |
| Months of supply | 6.5 months |
| Sale-to-list price ratio | 90.7% |
| Homes sold (that month) | 2 |
| New listings (that month) | 3 |
| Listings with a price cut | 7.7% |
| 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 Gulf Stream is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Gulf Stream 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 Gulf Stream home prices moved?
Over the last three years the median sale price in Gulf Stream, FL fell 54.6%, from $27.50M to $12.47M. The live Zillow value series has rose 8.3% in the last 12 months, which is the more current read now that Redfin's series has stopped. 7.7% of Gulf Stream 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 6.5 months while the sale-to-list ratio slips below its current 90.7%. 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 Gulf Stream?
Priced off the typical home value of $2.78M 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% | $556,790 | $2.23M | $14,312/mo |
| 5% | $139,197 | $2.64M | $16,996/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 $14,312, that implies roughly $613,385 a year before you add taxes and insurance. The median household in Gulf Stream earns $196,806, about $416,579 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 14.1x — 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 Gulf Stream in the next 12 months?
Tell us your timeline. We send the Gulf Stream 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 Gulf Stream?
Zillow does not publish a rent index (ZORI) for Gulf Stream, 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 Gulf Stream?
Active listings in Gulf Stream, FL went from 12 in April 2025 to 13 in May 2026, a +8.3% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| May 2025 | 9 | 1 |
| June 2025 | 9 | 2 |
| August 2025 | 9 | 1 |
| September 2025 | 11 | 4 |
| October 2025 | 13 | 4 |
| November 2025 | 16 | 3 |
| December 2025 | 14 | 2 |
| January 2026 | 13 | 1 |
| February 2026 | 14 | 4 |
| March 2026 | 13 | 3 |
| April 2026 | 15 | 3 |
| May 2026 | 13 | 3 |
Redfin, through May 2026
How does Gulf Stream compare to Florida and the U.S.?
Gulf Stream homes sell for $12.47M — 2860% above the Florida median of $421,500. Against the national median of $410,700, Gulf Stream runs 2937% higher. Year-over-year, Gulf Stream moved +197.0% against Florida's +2.6% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Gulf Stream, FL | $12.47M | +197.0% | 56 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 Gulf Stream
What buyers should watch
- Months of supply, currently 6.5. 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 7.7%. 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 $2,684 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 $2.78M 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 Gulf Stream listing goes under contract in 56 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 90.7% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Gulf Stream added 3 new listings against 2 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +8.3% 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 Gulf Stream varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Gulf Stream
There are currently 13 homes listed for sale in Gulf Stream, Florida. The median listing price is $3.7M.
Active listings
13
Homes on market
Median list price
$3.7M
Avg. days on market
56
Days until sale
New this week
3
Newly listed
How much do homes cost in Gulf Stream by property type?
How the Gulf Stream, 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 | $12.47M | not published | 2 | 56 days |
| Townhouse | $6.10M | $1,732/sq ft | 1 | 193 days |
Who lives in Gulf Stream?
American Community Survey estimates for Gulf Stream. U.S. Census ACS, 2023
Population
766
Households
355
Median income
$196,806/yr
Median age
61.5 years
Owner-occupied
87.6%
Median home value
$2.00M
Median gross rent
$2,019/mo
Mean commute
23.6 min
87.6% of occupied homes in Gulf Stream 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 $2.00M against Zillow's $2.78M typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which cities are near Gulf Stream, FL?
Ordered by distance from Gulf Stream, not by size. Compare Gulf Stream side by side with any of them.
Gulf Stream housing market FAQ
Is Gulf Stream a buyer's or seller's market?
Gulf Stream, FL is currently a buyer's market. That read comes from 6.5 months of supply, homes going under contract in about 56 days, and sellers getting 90.7% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Gulf Stream?
The typical home in Gulf Stream, FL is worth $2.78M (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $12.47M.
Is Gulf Stream cheaper than the rest of Florida?
Gulf Stream's median sale price of $12.47M is 2860% higher than the Florida statewide median of $421,500, and 2937% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Gulf Stream?
Homes in Gulf Stream, FL spent a median of 56 days on market before going under contract, versus 66 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Gulf Stream?
At the current 30-year fixed rate of 6.66%, 20% down on a $2.78M home is about $14,312 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $613,385 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $196,806.
Are home prices rising in Gulf Stream?
The typical home value in Gulf Stream, FL rose 8.3% over the last 12 months, from $2.57M to $2.78M (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Gulf Stream?
Gulf Stream 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 Gulf Stream?
That depends on your timeline, not on a headline. What the data says today: Gulf Stream, FL is a buyer's market with 6.5 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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