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Featured local agent — Lake Harbor, FL
Sarah Mitchell
Compass Real Estate · Lake Harbor, FL
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Lake Harbor, FL Housing Market
The last median sale price Redfin published was $245,000 (through May 2026). With homes going under contract in about 7 days, Lake Harbor is a balanced market. At today's 6.66% 30-year fixed rate, 20% down on a $245,000 home is about $1,260/mo in principal and interest.
Key numbers for Lake Harbor, FL
Median sale price
$245,000
Last published period
Redfin, through September 2024
Days on market
7
Fast-moving
Redfin, through September 2024
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Sale-to-list ratio
100.0%
Selling above asking
Redfin, through September 2024
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 Lake Harbor a buyer's or seller's market?
Lake Harbor, FL is a balanced market and homes selling in about 7 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Lake Harbor housing market data show?
Every row below is Redfin's final published month for Lake Harbor, FL. Redfin, through September 2024
| Metric | Value |
|---|---|
| Median sale price | $245,000 |
| Median price per sq ft | $155/sq ft |
| Median days on market | 7 days |
| Sale-to-list price ratio | 100.0% |
| Homes sold (that month) | 1 |
| Market condition | Balanced 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 Lake Harbor is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Lake Harbor 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 Lake Harbor home prices moved?
We hold fewer than three months of sale history for Lake Harbor, FL, which is not enough to draw a trend line without misleading you. The Zillow value figures above are the current read for this city.
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What does it cost to buy a home in Lake Harbor?
Priced off the median sale price of $245,000 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% | $49,000 | $196,000 | $1,260/mo |
| 5% | $12,250 | $232,750 | $1,496/mo |
Redfin, through September 2024 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 $1,260, that implies roughly $53,981 a year before you add taxes and insurance. We do not hold a Census income figure for Lake Harbor, so we cannot compare that threshold to local earnings.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Lake Harbor in the next 12 months?
Tell us your timeline. We send the Lake Harbor 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 Lake Harbor?
Zillow does not publish a rent index (ZORI) for Lake Harbor, 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 Lake Harbor?
We hold fewer than two months of inventory readings for Lake Harbor, FL, so there is no trend to report yet.
How does Lake Harbor compare to Florida and the U.S.?
Lake Harbor homes sell for $245,000 — 42% below the Florida median of $421,500. Against the national median of $410,700, Lake Harbor runs 40% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Lake Harbor, FL | $245,000 | not published | 7 days |
| Florida statewide | $421,500 | +2.6% | 66 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through September 2024 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Lake Harbor
What buyers should watch
- The gap between 5% and 20% down here is $236 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 $245,000 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 Lake Harbor listing goes under contract in 7 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 Lake Harbor varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Lake Harbor
Explore homes currently listed for sale in Lake Harbor, Florida across major real estate platforms.
How much do homes cost in Lake Harbor by property type?
How the Lake Harbor, FL market breaks down across single-family homes, condos and townhouses. Redfin, through September 2024
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $245,000 | $155/sq ft | 1 | 7 days |
Who lives in Lake Harbor?
American Community Survey estimates for Lake Harbor. U.S. Census ACS, 2023
Population
0
Households
0
Which cities are near Lake Harbor, FL?
Ordered by distance from Lake Harbor, not by size. Compare Lake Harbor side by side with any of them.
Lake Harbor housing market FAQ
Is Lake Harbor a buyer's or seller's market?
Lake Harbor, FL is currently a balanced market based on the supply, pace-of-sale and sale-to-list data we hold for this city. Redfin's public market tracker last published in May 2026, so this classification will not move until a new source fills that gap.
How much do homes cost in Lake Harbor?
The median sale price in the last month Redfin published was $245,000, about $155 per square foot.
Is Lake Harbor cheaper than the rest of Florida?
Lake Harbor's median sale price of $245,000 is 42% lower than the Florida statewide median of $421,500, and 40% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Lake Harbor?
Homes in Lake Harbor, FL spent a median of 7 days on market before going under contract, versus 66 days statewide. Under three weeks means well-priced listings move before most buyers can schedule a second showing. (Redfin, through May 2026.)
What income do you need to buy a home in Lake Harbor?
At the current 30-year fixed rate of 6.66%, 20% down on a $245,000 home is about $1,260 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $53,981 a year before taxes, insurance, HOA dues or mortgage insurance.
Are home prices rising in Lake Harbor?
We do not hold a complete 12-month value series for Lake Harbor, FL yet, so we are not going to call a direction. The price chart above shows every period we do have.
What are the cheapest ZIP codes in Lake Harbor?
Lake Harbor 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 Lake Harbor?
That depends on your timeline, not on a headline. What the data says today: Lake Harbor, FL is a balanced market, 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 $245,000, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.