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FORT WALTON BEACH, FL 32548

Real Estate Market Report  ·  Okaloosa County
Seller's Market
January 2026  ·  Source: Realtor.com

Market Overview

Active Listings
258
⇩ 14.3% vs 301 last year
Pending
36
14% pending ratio
Median Price
$448,950
⇧ 4.4% vs $430,000 last year
Average Price
$490,036
⇩ 4.3% vs $512,191 last year
Days on Market
94
⇩ 2.1% vs 96 days last year

Market Context

Population: 23,575  ·  Density: 753.4/mi²  ·  Median household income: $61,037

Typical home value: $269,039  ·  Homeownership: 58.4%

Market Analysis

Data as of January 2026. Source: Realtor.com.

The FORT WALTON BEACH, FL real estate market (32548) currently shows 258 active listings, with 36 pending sales. Homes are averaging 94 days on the market before going under contract.

Inventory has tightened compared to last year, with 43 fewer active listings — creating more competition among buyers.

Homes are selling faster, averaging 94 days on market compared to 96 days last year.

The median listing price has risen 4.4% year-over-year, from $430,000 to $448,950.

Whether you are buying or selling in FORT WALTON BEACH, FL, SELL123.com can help you save significantly on commission — typically 2% compared to traditional 5% broker fees. Call (240) SELL-123 for a free consultation.

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Market Trends

Inventory & Days on Market

Year over Year
  • Listings: 258 this year vs 301 last year
  • Days on market: 94 now vs 96 last year

Median & Average Pricing

Year over Year
  • Median: $448,950 (+4.4% YoY)
  • Average: $490,036 (-4.3% YoY)

12-Month Price Trend

Median & Average
  • Median and average listing prices over the past 12 months

12-Month Inventory Trend

Active & Pending
  • Active and pending listing counts over the past 12 months

Historical Trend Charts

Median Price
Average Price
Days on Market
Total Listings
Pending Listings
Active Listings
New Listings

Nearby Real Estate Markets

Median Price Legend:
< $250K
$250K–$500K
$500K–$1M
$1M–$2M
> $2M
25 Nearby Zip Code Markets within 35.9 miles — 3,400 listings ($2,273,554,897 combined market value)
Zip City / State Distance Listings Market Value Median $ Average $
32548Fort Walton Beach, FL 325480.0 mi258$126,429,288$448,950$490,036
32569Mary Esther, FL 325694.8 mi125$64,769,875$329,900$518,159
32541Destin, FL 3254110.4 mi645$647,012,400$639,450$1,003,120
32578Niceville, FL 3257813.5 mi221$124,613,944$486,950$563,864
32550Miramar Beach, FL 3255018.3 mi668$652,495,720$642,500$976,790
32583Milton, FL 3258323.5 mi312$119,388,360$327,231$382,655
32536Crestview, FL 3253624.0 mi235$78,989,845$329,450$336,127
32539Crestview, FL 3253927.9 mi277$93,215,486$301,200$336,518
32439Freeport, FL 3243931.5 mi299$168,285,273$430,960$562,827
32531Baker, FL 3253133.0 mi45$19,830,690$392,200$440,682
32503Pensacola, FL 3250333.8 mi189$84,116,907$349,900$445,063
32502Pensacola, FL 3250234.4 mi85$78,185,295$535,000$919,827
32435Defuniak Springs, FL 3243535.9 mi41$16,221,814$294,990$395,654

Frequently Asked Questions

How many homes are for sale in FORT WALTON BEACH, FL 32548?

As of January 2026, there are 258 active listings in FORT WALTON BEACH, FL (zip code 32548), compared to 301 the prior year.

What is the median home price in FORT WALTON BEACH, FL 32548?

The median listing price in FORT WALTON BEACH, FL 32548 is $448,950 as of January 2026, a 4.4% increase from $430,000 the prior year.

How long do homes stay on the market in FORT WALTON BEACH, FL?

Homes in FORT WALTON BEACH, FL 32548 spend an average of 94 days on the market before going under contract, compared to 96 days the prior year.

Is it a seller's or buyer's market in FORT WALTON BEACH, FL 32548?

Based on current inventory and days-on-market data as of January 2026, FORT WALTON BEACH, FL 32548 is currently a Seller's Market. Inventory has tightened compared to last year, with 43 fewer active listings — creating more competition among buyers. Homes are selling faster, averaging 94 days on market compared to 96 days last year.

How much can I save on real estate commission in FORT WALTON BEACH, FL?

With SELL123.com's maximum 3% commission, sellers in FORT WALTON BEACH, FL 32548 save an estimated $8,979 compared to a typical 5% commission on the median listing price of $448,950. Our fee structure: 1% listing + 2% selling broker — no additional buyer or seller fees. Call (240) SELL-123 or email info@SELL123.com for a free consultation.