Port Saint Joe, FL—32456
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Port Saint Joe, FL
Port Saint Joe, FL lacks sufficient home price data for analysis.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $488,000 | -5.2% |
| Single Family | $493,000 | -5.7% |
| Condos | $467,000 | -6.0% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $306,000 | -4.4% |
2 Bed | $387,000 | -6.1% |
3 Bed | $491,000 | -5.6% |
4 Bed | $627,000 | -7.1% |
| 5 Bed | $1,240,000 | -9.1% |
% of Housing Stock
Rental Trends — Port Saint Joe, FL
As of July '25, Rentcast reports the average rent in Port Saint Joe, FL is $2,540, with a year-over-year rent change of -3.8%. Per bedroom, the median rent as of July '25 in Port Saint Joe, FL is 1-bedrooms: $1,310, 2-bedrooms: $2,030, 3-bedrooms: $2,540, 4-bedrooms: $3,340. The most common rental property sizes in Port Saint Joe, FL are 2-bedroom and 3-bedroom, accounting for 47.5% and 32.5% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,400 | $2,540 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,300 | $1,310 |
| 2 Bed Rent | $2,100 | $2,030 |
| 3 Bed Rent | $2,480 | $2,540 |
| 4 Bed Rent | $3,250 | $3,340 |
% of Rental Stock
Property Listings — Port Saint Joe, FL
As of Oct '25, Realtor.com reports that the median days on market for a home in Port Saint Joe, FL is 124. This is a decrease of -2.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 18.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $682,000 | -4.0% |
Listing Count | 485 | 17.0% |
| Listings as % of Homes | 3.8% | 17.0% |
Days on Market | 124 | -2.0% |
Demographics — Port Saint Joe, FL
As of the latest ACS Survey released in 2023, Port Saint Joe, FL has a population of 7,300, which has decreased by -13.4% over the past 5 years. Port Saint Joe, FL is a moderately popular place for families, as children make up 15.0% of the population. The area has a moderately educated workforce, with 37.3% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 13.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 7,300 | -13.4% |
% Under 18 | 15.0% | -24.2% |
% Seniors | 33.2% | 48.2% |
% WFH | 13.6% | 70.0% |
% w/ College Degree | 37.3% | 35.1% |
As of the latest ACS Survey released in 2023, Port Saint Joe, FL is a predominantly white area, with 87.1% of the population identifying as white. The white population has grown by 13.6% in the last 5 years. The second most common race or ethnicity in Port Saint Joe, FL is black, making up 5.3% of the population. Foreign-born residents account for 3.8% of the population in Port Saint Joe, FL, and this percentage has increased by 72.7% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 87.1% | 13.6% |
% Black | 5.3% | -71.0% |
% Hispanic | 3.0% | 3.4% |
% Asian | 0.5% | -37.5% |
% Foreign Born | 3.8% | 72.7% |
Mortgage and Risk — Port Saint Joe, FL
According to HUD data as of 2023, there were 367 mortgage originations in Port Saint Joe, FL, of which 90.0% of loans were conventional mortgages. The average loan-to-value was 66.0%, with 13.0% above 90% LTV (elevated). This implies medium mortgage risk in Port Saint Joe, FL. Investor activity is low, as 10.0% of loans were by investors. 5.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 367 |
% Conventional Loans | 90.0% |
% Government Loans | 10.0% |
% Investor Loans | 10.0% |
% Second Loans | 40.0% |
% Cash Out Refinance | 5.0% |
Loan Activity
Rentals and Section 8 — Port Saint Joe, FL
As of 2024, the percent of homes in Port Saint Joe, FL under the Section 8 program is 2.5%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Port Saint Joe, FL, none of the tracked home sizes currently have HUD payment amounts above market rent, suggesting limited Section 8 opportunity.
Section 8 Market Size
Total Units under HUD | 14 |
Total Units Section 8 | 14 |
% Rentals under Section 8 | 2.5% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$30 | $1,300 | $1,270 |
| 2 Bedroom | -$500 | $2,100 | $1,600 |
| 3 Bedroom | -$460 | $2,480 | $2,020 |
| 4 Bedroom | -$730 | $3,250 | $2,520 |
Affordability — Port Saint Joe, FL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 6.8 |
| Median Home Price | $488,000 |
| Median Household Income | $73,700 |