Santa Rosa County, Florida home prices
Typical home $350,823 · +1.5% in a year · property tax 0.57%
The typical home in Santa Rosa County is worth $350,823, 7% less than the Florida typical home ($375,361). Values changed +1.5% in the past year and +17.1% over five years. Homeowners here pay a median 0.57% of their home's value in property tax each year ($2,012 on the typical home), versus 0.8% statewide.
Mortgage on the typical Santa Rosa County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $70,165 | $280,659 | $1,888 | $0 | $343 | $2,231 | $95,600 |
| 10% down | $35,082 | $315,741 | $2,124 | $132 | $343 | $2,599 | $111,400 |
| 5% down | $17,541 | $333,282 | $2,242 | $139 | $343 | $2,724 | $116,700 |
| 3.5% down (FHA) | $12,279 | $344,469 | $2,317 | $155 | $343 | $2,815 | $120,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.57% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Florida · part of the Pensacola metro area.
Florida counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Flagler County | $350,266 | -0.2% | 0.76% |
| Okaloosa County | $352,929 | +0.9% | 0.57% |
| Bay County | $343,009 | -0.0% | 0.58% |
| Osceola County | $359,224 | -2.9% | 0.76% |
| Brevard County | $342,346 | -0.5% | 0.68% |
| Lake County | $360,055 | -2.0% | 0.76% |
| Indian River County | $363,705 | -0.9% | 0.69% |
| Clay County | $335,274 | -0.3% | 0.72% |
| Lee County | $334,485 | -3.5% | 0.79% |
| Pinellas County | $368,917 | +0.2% | 0.7% |
Frequently asked questions
What is the average home price in Santa Rosa County, FL?
The typical home value in Santa Rosa County is $350,823 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Santa Rosa County?
About $95,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Santa Rosa County?
The median effective rate is 0.57% of home value a year (Census ACS 2024 5-year estimates).