Compare Navarre, FL mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Navarre.
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August 12, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in Navarre. Understand how much you need to earn to afford a home in Navarre, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Navarre fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Navarre is right for you.
The median home value for Navarre, FL (Santa Rosa County) is $335,000
Based on current mortgage rates and a 10% down payment, you need to make $69,886 per year to buy the median priced home in Navarre
With this income, you could qualify for a $301,500 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Navarre is $1,618
The median household income for Navarre, FL (Santa Rosa County) is $83,257
Based on this income, you can afford a home valued at approximately $399,092
The home price you can afford to buy based on household income in Navarre is 119% of the median home value which means housing prices are average. Navarre (Santa Rosa County) ranks 27 out of 67 counties in Florida and 2,525 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Navarre, FL is average
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Navarre (Santa Rosa County) below.
Conforming loan limits for Navarre, FL
FHA loan limits for Navarre, FL