Navarre today
What this means
Navarre gained 1.8% in value over 12 months, ahead of most of Florida.
Rents are area estimates; check comps for the exact house. Sources and method: how these figures are built.
Quick facts
| Navarre | vs Santa Rosa County | vs Florida | |
|---|---|---|---|
| Population | 39,838 (Census survey) | ||
| Median home value | $375,700 | 14% higher | 5% higher |
| Median gross rent | $1,966 | 27% higher | 18% higher |
| Median household income | $105,265 | 15% higher | 41% higher |
| Owner occupied homes | 82.1% | +1.5 pts | +14.5 pts |
| Residents 65 and older | 13.6% | -3.1 pts | -7.7 pts |
| Average commute (minutes) | 31 | 3% higher | 12% higher |
| Homes built 2010 or later | 25.7% | +2.1 pts | +11.5 pts |
| Median property tax paid | $2,251 | 19% higher | 18% lower |
Census survey figures are 2020 to 2024 averages; methods.
Living in Navarre
Unincorporated Santa Rosa County community on the Gulf and Santa Rosa Sound, platted in 1925.
Navarre is an unincorporated community, so there is no city government; Santa Rosa County handles zoning, permits and rental rules.
Known for: Navarre Beach; Navarre Beach Fishing Pier; Navarre Beach Marine Park; Sea Turtle Conservation Center
Fast growth since the 1970s; a US 98 widening began in 2023.
Against the Santa Rosa County averages, Census median rent runs higher ($1,966 vs $1,544 countywide); household incomes are higher ($105,265 vs $91,922); the median value of $375,700 is above the county's $329,800 and the population is younger (13.6% age 65 or older vs 16.7%).
Closest matches on price and rent: Port St. Lucie ($369,200, $1,937), Riverview ($384,200, $2,002), Country Club ($378,600, $1,899).
Growth and housing
Yearly population estimates are not published for Census designated places; the county trend is the best guide. Santa Rosa County grew 12.3% from 2020 to 2025.
25.7% of homes are 2010 or newer, so HOA dues and CDD assessments are common. CDD fees
The typical home here was built around 2003. Detached houses dominate (81.4% of homes). Households average 2.75 people.
Each year about 8.9% of residents arrive from other states.
Risks to price in
| Risk item | Detail |
|---|---|
| County average homeowners insurance with wind | $3,512 a year |
| Hurricanes tied to Santa Rosa County since 2000 | Dennis (2005) |
| Coastal county | check flood zone and elevation per address |
Flood, storms and jobs
Flood insurance here follows Santa Rosa County, which holds CRS class 5 (25% discount). Countywide, 8% of homes sit in a FEMA high risk zone; the Santa Rosa County guide has the full flood, storm and jobs picture.
Buying a home in Navarre
| 2026 loan limits (county) | Amount |
|---|---|
| FHA, one unit | $541,287 |
| Conforming, one unit | $832,750 |
| Median home value here | $375,700 |
Homes cost 3.6 times median household income here (Santa Rosa County 3.6, Florida 4.8).
- Conventional: mortgage insurance drops off as equity builds.
- FHA: works for the typical $375,700 home here.
- VA: veterans are 25.7% of adults.
Investing in Navarre
Long term rentals
| Navarre | vs Santa Rosa County | |
|---|---|---|
| Renter occupied homes | 17.9% | -1.5 pts |
| Rental vacancy | 1% | -2.9 pts |
| Rent as share of renter income | 26% | -1.2 pts |
Short term rentals
With 3% of homes kept for seasonal use, Navarre is a true vacation market.
| Short term rental taxes | Rate |
|---|---|
| County tourist development tax | 5% |
| State sales tax | 6% plus any county surtax |
Get the zoning and HOA answer in writing before you count on nightly income. State rules
Property types
| Housing stock | Share |
|---|---|
| Single family detached | 81.4% |
| Buildings with 5+ units | 5.4% |
| Manufactured homes | 8% |
Nearby
Other Florida markets
Sources
- U.S. Census Bureau, American Community Survey 2020 to 2024 5 year estimates. 2020 to 2024.
- U.S. Census Bureau, Population Estimates, Vintage 2025. July 1, 2025.
- U.S. Census Bureau, Building Permits Survey, 2025 annual. 2025.
- FFIEC HMDA Data Browser, originated loans. 2025 and 2024.
- LendingTree: 2026 FHA loan limits in Florida by county (HUD figures). 2026.
- Florida Realtors: FHFA sets 2026 conforming loan limits. 2026.
- Florida Office of Economic and Demographic Research: 2026 local option tourist tax rates. 2026.
- Florida Office of Insurance Regulation, July 2026 Insurance Stability Unit report (average homeowners premium with wind, as of March 31, 2026). March 31, 2026.
- Freddie Mac Primary Mortgage Market Survey. week of October 22, 2026.
- Wikipedia: List of counties in Florida. checked October 2026.
- U.S. Census Bureau county adjacency file. 2024.
- Wikipedia county article and statewide lists (colleges, teams, airports); Florida Defense Support Task Force installation map. checked October 2026.
- Wikipedia article for this place (history, setting, roads). checked October 2026.
- Zillow Home Value Index (ZHVI), all homes, middle tier, smoothed and seasonally adjusted. September 2026.
- Federal Housing Finance Agency House Price Index (county annual, metro and state quarterly, all transactions). through Q2 2026.
- U.S. Census Bureau, Building Permits Survey, January to September 2026 and 2025. September 2026.
- FEMA OpenFEMA, NFIP Residential Penetration Rates. as of August 2026.
- FEMA OpenFEMA, FIMA NFIP Redacted Claims (2000 to 2026). as of September 2026.
- FEMA OpenFEMA, NFIP Community Status Book (Community Rating System class). August 2026.
- FEMA OpenFEMA, Disaster Declarations Summaries (2000 to 2026). October 2026.
- U.S. Census Bureau, County Business Patterns 2023. 2023.
- U.S. Census Bureau, ACS 2020 to 2024, median gross rent by bedrooms (B25031). 2020 to 2024.
- Hurricane landfalls: Wikipedia, List of Florida hurricanes (2000 to present). checked October 2026.
Estimates from public data; they change over time. General information, not investment, tax or legal advice, and not a loan offer. Methods and assumptions.