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City · 6,660 residents · Santa Rosa County, Florida

Gulf Breeze , Florida

In Gulf Breeze, a typical home is worth $505,600. Compared with all of Santa Rosa County, the typical home value is 53% higher and typical household income is 13% higher.

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  • Typical home value

    $505,600

    53% above the county

    41% above Florida

    • Gulf Breeze
    • Santa Rosa
    • Florida

  • Typical household income

    $104,050a year

    13% above the county

    40% above Florida

    • Gulf Breeze
    • Santa Rosa
    • Florida

  • Households that own their home

    78%

    2 points below the county

    11 points above Florida

    • Gulf Breeze
    • Santa Rosa
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$478,942
1.2% more than 12 months ago
Typical rent
$2,075 a month
2.8% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Gulf Breeze is in Santa Rosa County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Santa Rosa County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Gulf Breeze apart

What this place has that others do not, from public data, most unusual first.

  1. Gulf Breeze has the 7th largest share of rent-burdened renters of the 434 cities in Florida with more than 5,000 people (82%).

  2. Nearby, in West Pensacola, the typical home value is $116,100: 77% less than in Gulf Breeze ($505,600).

  3. The typical home in Gulf Breeze is worth $505,600, 53% more than in Santa Rosa County as a whole ($329,800).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Gulf Breeze

What homes there are in Gulf Breeze, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses are the majority in Gulf Breeze (74%), but less so than in Santa Rosa County (80%).

Year built

Homes in Gulf Breeze are older: the typical year built is 1972; in Santa Rosa County, 1998.

There are fewer big homes in Gulf Breeze than in Santa Rosa County: 75% have 3 bedrooms or more, against 82%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,949 a month

Santa Rosa County: $1,855 a month

Without a mortgage

$912 a month

Santa Rosa County: $555 a month

Owners with a mortgage

62%

Santa Rosa County: 63%

The typical cost for an owner with a mortgage in Gulf Breeze is $2,949 a month, more than in Santa Rosa County ($1,855); without one, $912.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Gulf Breeze rose 36% since 2015–2019, less than in Santa Rosa County (66%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureGulf BreezeSanta Rosa CountyFloridaUnited States
Rental vacancy Unreliable estimate3.9%7.6%5.5%
Homeowner vacancy Unreliable estimate1.1%1.4%0.9%
More than one person per room Unreliable estimate2.0%3.3%3.4%
People per household 2.372.672.512.53
Drive alone 74%76%70%69%
Carpool Unreliable estimate8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 16%13%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.37 on average, against 2.67 in Santa Rosa County.

Working from home is more common in Gulf Breeze: 16%, against 13% in Santa Rosa County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Gulf Breeze?

A typical home costs more than the typical income allows

We start with a typical home in Gulf Breeze, worth $505,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 47% of the typical household income in Gulf Breeze, which is $104,050 a year. For that payment to be 28% of income, a household would need to earn about $173,217 a year.

The calculator's FHA and conventional loan limits are those of all of Santa Rosa County.

Your numbers

Local data
$

Starts at the typical home value in Gulf Breeze. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $17,696 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$4,042

at 7.18% · 30 years

Loan amount
$496,442
Total interest
$714,264
Paid off in
November 2056

Includes $8,538 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,428 a month

  • Tight

    $2,428 to $3,122 a month

  • Hard

    more than $3,122 a month

    Your payment · 47%

Compared with the typical household income in Gulf Breeze ($104,050 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,042
Principal & interest$3,363
Property tax$244
Home insurance$211
FHA mortgage insurance (MIP)$224

You need at least $17,696 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Gulf Breeze and Santa Rosa County

Gulf Breeze is in Santa Rosa County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Gulf Breeze's own numbers

Typical home value
$505,600
Typical yearly household income
$104,050
Households that own their home
78%
Effective property tax rate
0.58%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Santa Rosa County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,548
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
8%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Santa Rosa County.

Everything about Santa Rosa County

Buying

Buying a home in Gulf Breeze

A typical home in Gulf Breeze is worth $505,600: 53% above the county and 41% above Florida. With the typical household income in Gulf Breeze ($104,050 a year), a typical home costs 4.9 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Gulf Breeze 4.9 years
  • Santa Rosa 3.6 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Santa Rosa County

According to FHFA’s house price index, home prices in Santa Rosa County rose 113% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Santa Rosa County.

Period County Florida U.S.
Last year (2025) +0.7% −0.5% +2.9%
5 years (2020–2025) +53% +60% +47%
10 years (2015–2025) +113% +127% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Gulf Breeze next to Santa Rosa County, Florida and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Gulf Breeze $505,600
  • Santa Rosa $329,800
  • Florida $359,000
  • United States $332,700
Typical yearly household income
  • Gulf Breeze $104,050
  • Santa Rosa $91,922
  • Florida $74,568
  • United States $80,734
See the full table
Gulf Breeze next to Santa Rosa County and Florida
Measure Gulf Breeze Santa Rosa County Florida U.S.
Typical home value $505,600 $329,800 $359,000 $332,700
Typical yearly household income $104,050 $91,922 $74,568 $80,734
Households that own their home 78% 81% 68% 65%
Typical yearly property tax $2,941 $1,891 $2,730 $3,119
Effective property tax rate 0.58% 0.57% 0.76% 0.94%
Renters with high rent for their income 82% 40% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Santa Rosa County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Gulf Breeze

For a typical $505,600 home in Gulf Breeze, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gulf Breeze's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,042a month

    Least cash to close
    Down payment
    $17,696
    Cash to close
    $32,864
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $224

  • Conventional, 5% down $3,949a month

    Down payment
    $25,280
    Cash to close
    $40,448
    Rate
    7.18%
    Mortgage insurance
    PMI · $240

  • Conventional, 20% down, no PMI $3,195a month

    Down payment
    $101,120
    Cash to close
    $116,288
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,663a month

    Down payment
    $75,840
    Cash to close
    $91,008
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Gulf Breeze and for Santa Rosa County.

Property tax

Effective rate in Gulf Breeze

0.58%of the home’s value each year

$2,941 a year for the typical owner in Gulf Breeze.

  • Gulf Breeze 0.58%
  • Santa Rosa 0.57%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Santa Rosa County

FEMA does not publish these numbers by city: they are for all of Santa Rosa County.

Homes in the high-risk zone
8%
5,594
Of those, with NFIP insurance
67%
County Florida U.S.
Homes in the high-risk zone 8% 13% 3.5%
Of those, with NFIP insurance 67% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Gulf Breeze

The Census Bureau publishes no typical rent for Gulf Breeze. Below are the fair market rents for Santa Rosa County. In Gulf Breeze, 82% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Santa Rosa County, by unit size. To pay the 2-bedroom one ($1,548 a month) without spending more than 30% of your income, you would need to earn $29.77 an hour working full time.

HUD fair market rent for all of Santa Rosa County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,154 $22.19 $46,160
1 bedroom $1,359 $26.13 $54,360
2 bedrooms $1,548 $29.77 $61,920
3 bedrooms $2,034 $39.12 $81,360
4 bedrooms $2,435 $46.83 $97,400

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Gulf Breeze

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gulf Breeze is in ZIP code 32561.

For 2 bedrooms it is $1,870: $322 more than the fair market rent for Santa Rosa County ($1,548).

  • 32561 $1,870$2,460

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Gulf Breeze when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Gulf Breeze

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Santa Rosa County. The nearest ones are below; many serve by phone or online.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Gulf Breeze

No down payment, repair or rent-help program on our list is for Gulf Breeze or Santa Rosa County. The ones below are statewide in Florida: they work in Gulf Breeze the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Gulf Breeze

The HUD-approved agencies closest to the center of Gulf Breeze, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Enterprise Investments, Incorporated

    302 North Barcelona St, Pensacola · 4 miles away

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 10 more
    850-595-6234-206

  • Pensacola Habitat for Humanity

    300 W Leonard St, Pensacola · 6 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (850) 434-5456

  • City of Panama City Community Development Corporation

    501 Harrison Ave, Panama City · 91 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (850) 872-7231

All counseling agencies in Florida

Help in Spanish near Gulf Breeze

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Gulf Breeze

In HUD’s record, no housing authority with an office in Santa Rosa County is named for Gulf Breeze or Santa Rosa County.

One other authority has an office in Santa Rosa County: see the list Source: HUD

Cities

Other cities in Santa Rosa County

These cities are also in Santa Rosa County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Santa Rosa County Housing in Florida

Nearby cities

The cities closest to Gulf Breeze, with the typical home value.

Neighboring counties

If Santa Rosa County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Gulf Breeze.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Gulf Breeze

Short answers with the numbers for Gulf Breeze and all of Santa Rosa County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Gulf Breeze?

The typical home value in Gulf Breeze is $505,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Santa Rosa County it is $329,800.

What is the FHA loan limit in Gulf Breeze?

Gulf Breeze uses the FHA limit for all of Santa Rosa County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Gulf Breeze?

The typical homeowner in Gulf Breeze pays $2,941 a year, according to the U.S. Census Bureau. That is 0.58% of the home’s value; in Santa Rosa County, the rate is 0.57%.

Where can I find free help to buy or rent in Gulf Breeze?

We found no HUD-approved counseling agencies with an office in Santa Rosa County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).