Navarre, Florida Real Estate Market
Quick Market Facts
| Metric | Current Data (January 2025) |
|---|---|
| Population (2020 Census) | 40,817 |
| Median Home Price | $375,000 |
| Median Days on Market | 71 days |
| Homes for Sale | 231 active listings |
| School District Rating | "A" (2024-25 school year) |
| Distance to Hurlburt Field | 14 miles (20-30 minutes) |
| Distance to Eglin AFB | 26 miles (37-60 minutes peak traffic) |
Source: Bankrate MLS data (January 2025), U.S. Census Bureau (2020), Florida Department of Education (2024-25)
Market Overview
As of January 2025, Navarre operates as a balanced real estate market with 231 active listings and a median sale price of $375,000, down 3.8% from January 2024's $390,000. Homes are selling after an average of 71 days on market, significantly slower than the 35-day average one year prior.
The market shows inventory growth with listings up 21% year-over-year (191 to 231 homes). January 2025 saw 45 homes sold, up 12.5% from 40 sales in January 2024.
Price per square foot averages $214-222. Single-family detached homes comprise approximately 80% of inventory, with half-acre lots common in established subdivisions.
Market Trend: Cooling. Median prices down 3.8% year-over-year, days on market doubled, and inventory up 21%. Buyers have more negotiating leverage than 2023-2024.
What is the median home price in Navarre, Florida?
$375,000 as of January 2025, down 3.8% from $390,000 in January 2024. This median includes mainland Navarre—Navarre Beach properties are a separate, higher-priced market.
How far is Navarre from Eglin Air Force Base?
26 miles via US Highway 98. Drive time ranges from 37 minutes off-peak to 60+ minutes during morning and evening rush hours. US-98 is the only major east-west corridor and experiences significant congestion.
How far is Navarre from Hurlburt Field?
14 miles via US Highway 98. Drive time is typically 20-30 minutes. Traffic increases during tourist season (March-August) and can add 15-20 minutes during peak periods.
Major Subdivisions
Holley by the Sea
Year Built: 1972-present
Total Lots: Approximately 4,700-5,000
Current Price Range (observed): $450,000-$699,000
Typical Home Size: 1,200-3,000 sq ft | 3-4 bed | 2-3 bath
Standard Lot Size: Approximately 100'x200' (half acre)
School Zones: Holley-Navarre Primary, Holley-Navarre Intermediate, Holley-Navarre Middle, Navarre High
HOA Features Include:
48-acre recreational facility
Multiple swimming pools
Tennis courts
Fitness center
Basketball courts
Private beach access on Santa Rosa Sound
RV campsites
Walking trails
Note: Contact Holley by the Sea HOA directly at (850) 939-1693 for current annual dues and membership information.
Notable Features: Varied architectural styles (not cookie-cutter). Vacant lots available for custom builds. Designated as 2nd largest HOA in Florida.
Hidden Creek Estates at Holley by the Sea
Location: North side of Holley by the Sea, centered around Hidden Creek Golf Course
Year Built: 1990s-present
Current Price Range (observed): $575,000-$835,000
Typical Home Size: 2,400-4,000+ sq ft | 4-5 bed | 3-4 bath
Features: Custom-built executive homes with golf course views. Ron Garr-designed 18-hole course. Includes Holley by the Sea HOA amenities.
Navarre Beach
Type: Barrier island on Gulf of Mexico
Access: Causeway from Highway 98 across Santa Rosa Sound
Median Price (October 2025): $865,000
Median Days on Market: 184 days
Important: Separate market from mainland Navarre. 99% of properties identified as having severe flooding risk over next 30 years. Flood insurance required and can be substantial.
Military Family Considerations
BAH Compatibility (2025 Rates - Eglin AFB MHA)
Navarre's $375,000 median price vs. current BAH:
| Rank | Monthly BAH (w/ Dependents) | Annual BAH | Navarre Fit? |
|---|---|---|---|
| E-5 | $2,649 | $31,788 | Requires down payment for median-priced homes |
| E-6 | $2,667 | $32,004 | Requires down payment for median-priced homes |
| E-7 | $2,793 | $33,516 | Good fit with modest down payment |
| O-3 | $2,955 | $35,460 | Comfortable fit |
| O-4 | $3,138 | $37,656 | Very comfortable |
Source: DOD BAH rates for zip code 32542 (2025)
Reality Check: Junior enlisted (E-5/E-6) should expect to use 10-20% down payment to make Navarre median-priced homes affordable within reasonable debt-to-income ratios.
VA Loan Considerations
VA Loan Friendly: Yes. Established subdivisions like Holley by the Sea provide ample comparables for appraisals.
PCS Resale Potential
Strong. Navarre's proximity to both Hurlburt Field (14 miles) and Eglin AFB (26 miles) creates consistent military buyer demand. Current market shows homes selling within 71-90 days as of early 2025.
50+ Downsizer Considerations
Single-Story Home Availability
Single-story homes represent a portion of Navarre inventory, particularly in Holley by the Sea's older sections (1972-1990s construction). Typical single-story specs: 1,400-2,000 sq ft, 3 bed/2 bath.
Healthcare Access
Nearest Hospitals:
HCA Florida Fort Walton-Destin Hospital (Fort Walton Beach): 19 miles, 30 minutes—331-bed acute care hospital, Level II trauma center
HCA Florida Twin Cities Hospital (Niceville): Approximately 29-32 miles—65-bed general acute care hospital with 24-hour emergency services
Ascension Sacred Heart Hospital (Pensacola): 32 miles, 45 minutes—566-bed regional medical center, Level I trauma center (certified October 2025)
VA Healthcare:
Eglin AFB clinic (26 miles)
Pensacola VA Clinic (32 miles)
Medical Reality: Navarre lacks a hospital within town limits. Emergency medical services route to Fort Walton Beach or Niceville. Major trauma cases transfer to Sacred Heart Pensacola.
Schools (Santa Rosa County District)
District Performance
Santa Rosa County Schools: Earned "A" rating for 2024-25 school year (fourth consecutive year). District serves 29,824 students across 42 schools.
District Test Scores (2024-25):
Math proficiency: 63% (vs. 52% Florida average)
Reading proficiency: 60% (vs. 52% Florida average)
Navarre High School
State Ranking: 180th of 844 Florida high schools (top 21%)
Enrollment: 2,430 students
Four-Year Graduation Rate: 89.7% (2023-24)
AP Participation: 46% of students
Test Scores (2024-25):
Biology EOC: 83% proficient (vs. 71% statewide)
US History EOC: 81% proficient
Algebra 1: 76% proficient
Source: SchoolDigger, U.S. News & World Report
Holley-Navarre Middle School
Performance: Top 25% of Florida middle schools
Standout Scores:
97% proficient in Algebra 1
88% proficient in Civics
Elementary Schools
Holley-Navarre Intermediate (Grades 3-5):
Enrollment: 708 students
Above-average performance in reading/math
Holley-Navarre Primary (Grades PK-2):
Enrollment: 651 students
Student-teacher ratio: 13:1
Navarre vs. Nearby Markets
| Location | Median Price | Commute to Hurlburt | Commute to Eglin | Best For |
|---|---|---|---|---|
| Navarre | $375,000 | 14 mi / 20-30 min | 26 mi / 37-60 min | Hurlburt families, beach access |
| Fort Walton Beach | $380,000 | 6 mi / 15 min | 10 mi / 20 min | Shortest commute, Level II trauma center |
| Crestview | $285,000 | 32 mi / 45 min | 22 mi / 30 min | Affordability, Eglin personnel |
| Niceville | $425,000 | 18 mi / 25 min | 8 mi / 15 min | Eglin families, highly-rated schools |
Common Questions
Q: Is Navarre a good place for military families?
A: Yes, particularly for Hurlburt Field personnel (14 miles). Navarre offers reasonable home prices ($375K median), A-rated schools, and strong military community presence. Eglin AFB families face longer commutes (26 miles, up to 60 minutes peak) and may prefer Fort Walton Beach or Niceville.
Q: How does Navarre's market compare to 2024?
A: Cooling. Median prices down 3.8% year-over-year ($375K vs. $390K), days on market doubled (71 vs. 35 days), and inventory up 21%. Buyers have more negotiating power in early 2025.
Q: Can I afford Navarre on E-5 BAH?
A: Tight but possible with down payment. E-5 BAH is $2,649/month ($31,788/year). At 28% debt-to-income ratio, you'd qualify for approximately $340,000 home price—below Navarre's $375K median. Options: (1) 10-15% down payment, (2) dual military income, or (3) consider Crestview ($285K median) for better BAH fit.
Q: How bad is hurricane risk in Navarre?
A: Moderate for mainland Navarre, extreme for Navarre Beach (99% flood risk). Mandatory evacuations occur periodically for major storms. Flood insurance required for waterfront properties. Homes built post-2000 typically rated for high wind resistance.
Q: Are Navarre schools good?
A: Yes. Santa Rosa County earned "A" rating for 2024-25. Navarre High ranks in top 21% statewide with 89.7% graduation rate. Holley-Navarre Middle School ranks in top 25% of Florida middle schools with 97% proficiency in Algebra 1.
Q: What's the best subdivision in Navarre for military families?
A: Holley by the Sea offers strong value: largest buyer pool for PCS resales (4,700+ lots), extensive family amenities (pools, sports, fitness), and feeds into Navarre's highest-performing schools. Hidden Creek Estates for premium golf course living if budget allows.
Market Data Tables
Last 30 Days (January 2025)
| Metric | Value |
|---|---|
| Homes Sold | 45 |
| Median Sale Price | $375,000 |
| Median Days on Market | 71 days |
| Price per Sq Ft | $214-222 |
Year-Over-Year Comparison
| Metric | January 2025 | January 2024 | Change |
|---|---|---|---|
| Median Price | $375,000 | $390,000 | -3.8% |
| Days on Market | 71 | 35 | +102.9% |
| Homes Sold | 45 | 40 | +12.5% |
| Active Listings | 231 | 191 | +20.9% |
Data Sources: Bankrate MLS, Redfin—January 2025 reporting
Final Verdict: Is Navarre Right for You?
Choose Navarre if you:
Are stationed at Hurlburt Field (14 miles)
Value beach access (10-15 minutes to Gulf beaches)
Want established community amenities (Holley by the Sea)
Have E-7+ or officer rank with comfortable BAH cushion
Prioritize A-rated schools
Plan 3-4 year assignment (strong resale market)
Reconsider if you:
Are stationed at Eglin AFB (26 miles, 60-minute peak commute)—Fort Walton Beach or Niceville closer
Are E-5 or below without significant down payment—Crestview offers better BAH fit ($285K median)
Need immediate hospital access—Navarre lacks in-town hospital
Prefer brand-new construction—limited new-build inventory vs. Crestview/Niceville
Page Last Updated: February 2025
Market Data Current Through: January 2025 MLS closings
