Holmes Beach, FL—34217
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Holmes Beach, FL
As of Oct '25, the median home price in Holmes Beach, FL is $843,000, with a year-over-year change of -14.0%. This indicates that home prices in Holmes Beach, FL are decreasing. According to Zillow, the 1-year price projection is -0.7%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $843,000 | -14.0% |
| Single Family | $1,216,000 | -14.4% |
| Condos | $576,000 | -13.6% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $361,000 | -16.0% |
2 Bed | $623,000 | -14.0% |
3 Bed | $1,218,000 | -13.3% |
4 Bed | $1,991,000 | -11.8% |
| 5 Bed | $2,670,000 | -11.5% |
% of Housing Stock
Rental Trends — Holmes Beach, FL
As of July '25, Rentcast reports the average rent in Holmes Beach, FL is $3,840, with a year-over-year rent change of -24.7%. Per bedroom, the median rent as of July '25 in Holmes Beach, FL is 1-bedrooms: $2,970, 2-bedrooms: $3,260, 3-bedrooms: $5,660. The most common rental property sizes in Holmes Beach, FL are 2-bedroom and 1-bedroom, accounting for 59.5% and 27.5% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $3,000 | $3,840 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $2,300 | $2,970 |
| 2 Bed Rent | $2,900 | $3,260 |
| 3 Bed Rent | $5,500 | $5,660 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Holmes Beach, FL
As of Oct '25, Realtor.com reports that the median days on market for a home in Holmes Beach, FL is 128. This is a increase of 13.0% from last year, suggesting that homes are sitting on the market longer 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 | $1,340,000 | -16.0% |
Listing Count | 170 | 23.0% |
| Listings as % of Homes | 2.4% | 23.0% |
Days on Market | 128 | 13.0% |
Demographics — Holmes Beach, FL
As of the latest ACS Survey released in 2023, Holmes Beach, FL has a population of 3,770, which has decreased by -26.4% over the past 5 years. Holmes Beach, FL is a less popular place for families, as children make up 6.0% of the population. The area has a highly educated workforce, with 60.7% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 22.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,770 | -26.4% |
% Under 18 | 6.0% | -10.4% |
% Seniors | 57.7% | 18.0% |
% WFH | 22.6% | -26.9% |
% w/ College Degree | 60.7% | 32.5% |
As of the latest ACS Survey released in 2023, Holmes Beach, FL is a predominantly white area, with 91.1% of the population identifying as white. The white population has shrunk by 3.8% in the last 5 years. The second most common race or ethnicity in Holmes Beach, FL is hispanic, making up 3.1% of the population. Foreign-born residents account for 11.1% of the population in Holmes Beach, FL, and this percentage has increased by 30.6% 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 | 91.1% | -3.8% |
% Black | 0.0% | -100.0% |
% Hispanic | 3.1% | -20.5% |
% Asian | 1.9% | 533.3% |
% Foreign Born | 11.1% | 30.6% |
Mortgage and Risk — Holmes Beach, FL
According to HUD data as of 2023, there were 118 mortgage originations in Holmes Beach, FL, of which 97.0% of loans were conventional mortgages. The average loan-to-value was 56.0%, with 6.0% above 90% LTV (normal). This implies small mortgage risk in Holmes Beach, FL. Investor activity is low, as 10.0% of loans were by investors. 6.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 118 |
% Conventional Loans | 97.0% |
% Government Loans | 3.0% |
% Investor Loans | 10.0% |
% Second Loans | 56.0% |
% Cash Out Refinance | 6.0% |
Loan Activity
Rentals and Section 8 — Holmes Beach, FL
Holmes Beach, FL lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | N/A |
Total Units Section 8 | N/A |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$610 | $2,300 | $1,690 |
| 2 Bedroom | -$930 | $2,900 | $1,970 |
| 3 Bedroom | -$2,910 | $5,500 | $2,590 |
| 4 Bedroom | N/A | N/A | $3,100 |
Affordability — Holmes Beach, FL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 12.6 |
| Median Home Price | $843,000 |
| Median Household Income | $90,300 |