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Featured local agent — Holden Heights, FL
Sarah Mitchell
Compass Real Estate · Holden Heights, FL
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Holden Heights, FL Housing Market
The typical home in Holden Heights, FL is worth $380,391, fell 0.9% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $300,000, -17.8% year over year (through May 2026). With 12.0 months of supply, Holden Heights is a buyer's market. At today's 7.03% 30-year fixed rate, 20% down on a $380,391 home is about $2,031/mo in principal and interest.
Key numbers for Holden Heights, FL
Typical home value
$380,391
-0.9% in 12 months
Zillow, August 2026
Median sale price
$300,000
-17.8% year over year
Redfin, through May 2026
Active listings
12
12.0 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$44,506
Home costs 8.5x income
U.S. Census ACS, 2023
Sale-to-list ratio
100.0%
Selling above asking
Redfin, through May 2026
Zillow figures are as of August 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 Holden Heights a buyer's or seller's market?
Holden Heights, FL is a buyer's market, based on 12.0 months of supply. 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 Holden Heights housing market data show?
Every row below is Redfin's final published month for Holden Heights, FL. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $300,000 |
| Median list price | $300,000 |
| Year-over-year price change | -17.8% |
| Median price per sq ft | $428/sq ft |
| Active inventory | 12 listings |
| Months of supply | 12.0 months |
| Sale-to-list price ratio | 100.0% |
| Homes sold (that month) | 1 |
| New listings (that month) | 3 |
| Listings with a price cut | 58.3% |
| 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 Holden Heights is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Holden Heights 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 Holden Heights home prices moved?
Over the last three years the median sale price in Holden Heights, FL fell 4.6%, from $314,500 to $300,000. The live Zillow value series has fell 0.9% in the last 12 months, which is the more current read now that Redfin's series has stopped. 58.3% of Holden Heights 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 12.0 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 Holden Heights?
Priced off the typical home value of $380,391 at the current 7.03% 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% | $76,078 | $304,313 | $2,031/mo |
| 5% | $19,020 | $361,372 | $2,412/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 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 $2,031, that implies roughly $87,032 a year before you add taxes and insurance. The median household in Holden Heights earns $44,506, about $42,526 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 8.5x — 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 Holden Heights in the next 12 months?
Tell us your timeline. We send the Holden Heights 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 Holden Heights?
Zillow does not publish a rent index (ZORI) for Holden Heights, 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 Holden Heights?
Active listings in Holden Heights, FL went from 17 in May 2025 to 12 in May 2026, a -29.4% 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 | 21 | 7 |
| July 2025 | 19 | 3 |
| August 2025 | 22 | 6 |
| September 2025 | 22 | 5 |
| October 2025 | 17 | 2 |
| November 2025 | 15 | 3 |
| December 2025 | 18 | 8 |
| January 2026 | 18 | 5 |
| February 2026 | 15 | 2 |
| March 2026 | 14 | 5 |
| April 2026 | 16 | 5 |
| May 2026 | 12 | 3 |
Redfin, through May 2026
How does Holden Heights compare to Florida and the U.S.?
Holden Heights homes sell for $300,000 — 29% below the Florida median of $421,500. Against the national median of $410,700, Holden Heights runs 27% lower. Year-over-year, Holden Heights moved -17.8% against Florida's +2.6% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Holden Heights, FL | $300,000 | -17.8% | not published |
| 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 Holden Heights
What buyers should watch
- Months of supply, currently 12.0. 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 58.3%. 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 $381 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $380,391 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
- Homes here close at 100.0% of asking. Price at the number you want and let competition do the rest.
- In the last published month Holden Heights added 3 new listings against 1 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved -0.9% 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 Holden Heights varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Holden Heights
There are currently 12 homes listed for sale in Holden Heights, Florida. The median listing price is $300K.
Active listings
12
Homes on market
Median list price
$300K
New this week
3
Newly listed
How much do homes cost in Holden Heights by property type?
How the Holden Heights, 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 | $300,000 | $428/sq ft | 1 | not published |
Who lives in Holden Heights?
American Community Survey estimates for Holden Heights. U.S. Census ACS, 2023
Population
3,108
Households
1,159
Median income
$44,506/yr
Median age
41.9 years
Owner-occupied
48.7%
Median home value
$189,100
Median gross rent
$1,271/mo
Mean commute
18.7 min
48.7% of occupied homes in Holden Heights 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 $189,100 against Zillow's $380,391 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which cities are near Holden Heights, FL?
Ordered by distance from Holden Heights, not by size. Compare Holden Heights side by side with any of them.
Holden Heights housing market FAQ
Is Holden Heights a buyer's or seller's market?
Holden Heights, FL is currently a buyer's market. That read comes from 12.0 months of supply, and sellers getting 100.0% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Holden Heights?
The typical home in Holden Heights, FL is worth $380,391 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $300,000, about $428 per square foot.
Is Holden Heights cheaper than the rest of Florida?
Holden Heights's median sale price of $300,000 is 29% lower than the Florida statewide median of $421,500, and 27% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Holden Heights?
We do not hold a days-on-market figure for Holden Heights, FL. Redfin stopped publishing its public market tracker in June 2026, so this metric is frozen wherever it exists and missing where it never landed.
What income do you need to buy a home in Holden Heights?
At the current 30-year fixed rate of 7.03%, 20% down on a $380,391 home is about $2,031 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $87,032 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $44,506.
Are home prices rising in Holden Heights?
The typical home value in Holden Heights, FL fell 0.9% over the last 12 months, from $384,017 to $380,391 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Holden Heights?
Holden Heights 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 Holden Heights?
That depends on your timeline, not on a headline. What the data says today: Holden Heights, FL is a buyer's market with 12.0 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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