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Featured local agent — Lake Hart, FL
Sarah Mitchell
Compass Real Estate · Lake Hart, FL
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Lake Hart, FL Housing Market
The typical home in Lake Hart, FL is worth $1.24M, held roughly flat 0.1% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $2.05M (through May 2026). With 1.0 months of supply and homes going under contract in about 167 days, Lake Hart is a balanced market. At today's 6.66% 30-year fixed rate, 20% down on a $1.24M home is about $6,390/mo in principal and interest.
Key numbers for Lake Hart, FL
Typical home value
$1.24M
-0.1% in 12 months
Zillow, July 2026
Typical asking rent
$2,096/mo
Zillow Observed Rent Index
Zillow, July 2026
Median sale price
$2.05M
Last published period
Redfin, through April 2026
Days on market
167
Slow-moving
Redfin, through April 2026
Active listings
1
1.0 months of supply
Redfin, through April 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$98,068
Home costs 12.7x income
U.S. Census ACS, 2023
Sale-to-list ratio
89.2%
Selling below asking
Redfin, through April 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 Lake Hart a buyer's or seller's market?
Lake Hart, FL is a balanced market, based on 1.0 months of supply and homes selling in about 167 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 Lake Hart housing market data show?
Every row below is Redfin's final published month for Lake Hart, FL. Redfin, through April 2026
| Metric | Value |
|---|---|
| Median sale price | $2.05M |
| Median price per sq ft | $845/sq ft |
| Median days on market | 167 days |
| Active inventory | 1 listings |
| Months of supply | 1.0 months |
| Sale-to-list price ratio | 89.2% |
| 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 Hart is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Lake Hart 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 Hart home prices moved?
Across the 35 months we hold for Lake Hart, FL, the median sale price rose 71.0%, from $1.20M in April 2021 to $2.05M. The live Zillow value series has held roughly flat 0.1% in the last 12 months, which is the more current read now that Redfin's series has stopped. For prices to fall meaningfully from here, supply would have to keep building past 1.0 months while the sale-to-list ratio slips below its current 89.2%. Watch those two together — they move before the median does.
Redfin, through April 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Lake Hart?
Priced off the typical home value of $1.24M 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% | $248,577 | $994,306 | $6,390/mo |
| 5% | $62,144 | $1.18M | $7,588/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 $6,390, that implies roughly $273,843 a year before you add taxes and insurance. The median household in Lake Hart earns $98,068, about $175,775 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 12.7x — 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 Lake Hart in the next 12 months?
Tell us your timeline. We send the Lake Hart 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 Hart?
Typical asking rent in Lake Hart, FL is $2,096/mo, against a typical home value of $1.24M. That is a price-to-rent ratio of 49.4x, 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 $6,390 a month — $4,294 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 Lake Hart?
Active listings in Lake Hart, FL went from 2 in October 2023 to 1 in April 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 |
|---|---|---|
| November 2023 | 1 | 1 |
| January 2024 | 2 | 2 |
| February 2024 | 1 | not published |
| April 2024 | 3 | 1 |
| June 2024 | 4 | not published |
| December 2024 | 4 | not published |
| January 2025 | 2 | not published |
| February 2025 | 1 | not published |
| March 2025 | 1 | 1 |
| January 2026 | 3 | 1 |
| March 2026 | 2 | not published |
| April 2026 | 1 | not published |
Redfin, through April 2026
How does Lake Hart compare to Florida and the U.S.?
Lake Hart homes sell for $2.05M — 386% above the Florida median of $421,500. Against the national median of $410,700, Lake Hart runs 399% higher.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Lake Hart, FL | $2.05M | not published | 167 days |
| Florida statewide | $421,500 | +2.6% | 66 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through April 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Lake Hart
What buyers should watch
- Months of supply, currently 1.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The gap between 5% and 20% down here is $1,198 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 $1.24M 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 Hart listing goes under contract in 167 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 89.2% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- Your equity moved -0.1% 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 Lake Hart varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Lake Hart
There are currently 1 homes listed for sale in Lake Hart, Florida.
Active listings
1
Homes on market
Avg. days on market
167
Days until sale
How much do homes cost in Lake Hart by property type?
How the Lake Hart, FL market breaks down across single-family homes, condos and townhouses. Redfin, through April 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $2.05M | $845/sq ft | 1 | 167 days |
Who lives in Lake Hart?
American Community Survey estimates for Lake Hart. U.S. Census ACS, 2023
Population
425
Households
133
Median income
$98,068/yr
Median age
26.3 years
Owner-occupied
0.0%
Median gross rent
$1,861/mo
0.0% of occupied homes in Lake Hart 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. Census median gross rent (all leases, including long-held ones) is $1,861/mo, below Zillow's $2,096/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which cities are near Lake Hart, FL?
Ordered by distance from Lake Hart, not by size. Compare Lake Hart side by side with any of them.
Lake Hart housing market FAQ
Is Lake Hart a buyer's or seller's market?
Lake Hart, FL is currently a balanced market. That read comes from 1.0 months of supply, homes going under contract in about 167 days, and sellers getting 89.2% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Lake Hart?
The typical home in Lake Hart, FL is worth $1.24M (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $2.05M, about $845 per square foot.
Is Lake Hart cheaper than the rest of Florida?
Lake Hart's median sale price of $2.05M is 386% higher than the Florida statewide median of $421,500, and 399% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Lake Hart?
Homes in Lake Hart, FL spent a median of 167 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 Lake Hart?
At the current 30-year fixed rate of 6.66%, 20% down on a $1.24M home is about $6,390 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $273,843 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $98,068.
Are home prices rising in Lake Hart?
The typical home value in Lake Hart, FL held roughly flat 0.1% over the last 12 months, from $1.24M to $1.24M (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Lake Hart?
Lake Hart 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 Hart?
That depends on your timeline, not on a headline. What the data says today: Lake Hart, FL is a balanced market with 1.0 months of supply, the 30-year fixed rate is 6.66%, and the price-to-rent ratio of 49.4x 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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