Port Saint Joe, FL 32456 - Home Prices, Rental Trends, Listings & Demographics | Prop:Metrics

Port Saint Joe, FL—32456

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value

$476,000

5.5% YoY Growth

Household Income

$73,700

54.3% YoY Growth

Days on Market

131

3.0% Shorter YoY

Home Price Forecast

N/A

Median Rent

$2,400

3.8% YoY Growth

1-Bed Rent

$1,300

37.6% YoY Growth

2-Bed Rent

$2,100

9.0% YoY Growth

3-Bed Rent

$2,480

3.8% YoY Growth

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	$476,000	-5.5%
Single Family	$479,000	-6.1%
Condos	$460,000	-5.9%

Cost per Home Size

Home Size	Median Home Value	YoY % Change
1 Bed	$293,000	-4.2%

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

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% of Rental Stock

Studio

0.4%

1 Bedroom

13.6%

2 Bedrooms

47.5%

3 Bedrooms

32.5%

4 Bedrooms

6.0%

Property Listings — Port Saint Joe, FL

As of Nov '25, Realtor.com reports that the median days on market for a home in Port Saint Joe, FL is 131. This is a decrease of -3.0% 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 11.0%, representing a small inventory and little supply pressure on home prices.

Metric	Zip Code Average	Year over Year % Change
Median Listing Price	$687,000	-2.0%
Listing Count	458	12.0%
Listings as % of Homes	3.8%	12.0%
Days on Market	131	-3.0%

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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%

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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%

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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%

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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

Port Saint Joe, FL—32456

Key Metrics at a Glance

Home Price Trends — Port Saint Joe, FL

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Port Saint Joe, FL

% of Rental Stock

Property Listings — Port Saint Joe, FL

Demographics — Port Saint Joe, FL

Race and Ethnicity

Mortgage and Risk — Port Saint Joe, FL

Mortgages

Rentals and Section 8 — Port Saint Joe, FL

Section 8 Market Size

Section 8 Opportunity

Affordability — Port Saint Joe, FL

Home Price to Income Ratio

Port Saint Joe, FL — ZIP Code Boundary Map

Nearby ZIP Codes

Mexico Beach

Tyndall Air Force Base, FL

Panama City, FL

Panama City, FL

Panama City, FL

Frequently Asked Questions

Metric	Zip Code Average
Home Price to Income Ratio	6.6
Median Home Price	$476,000
Median Household Income	$73,700

Port Saint Joe, FL—32456

Key Metrics at a Glance

Home Price Trends — Port Saint Joe, FL

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Port Saint Joe, FL

% of Rental Stock

Property Listings — Port Saint Joe, FL

Demographics — Port Saint Joe, FL

Race and Ethnicity

Mortgage and Risk — Port Saint Joe, FL

Mortgages

Rentals and Section 8 — Port Saint Joe, FL

Section 8 Market Size

Section 8 Opportunity

Affordability — Port Saint Joe, FL

Home Price to Income Ratio

Port Saint Joe, FL — ZIP Code Boundary Map

Nearby ZIP Codes

Mexico Beach

Tyndall Air Force Base, FL

Panama City, FL

Panama City, FL

Panama City, FL

Frequently Asked Questions

What is the average home price in Port Saint Joe, FL 32456?

How have home prices in Port Saint Joe, FL 32456 changed over the past year?

What is the home price projection for Port Saint Joe, FL 32456?

What are the demographics of Port Saint Joe, FL 32456?

How long does it take homes to sell in Port Saint Joe, FL 32456?

What is the average rent price in Port Saint Joe, FL 32456?