Gulf Breeze, Florida.
Typical home $478,942 (+1.2% in a year), asking rent $2,075 (+2.8%). Pensacola-Ferry Pass-Brent, FL metro.
to buy the typical home at today's mortgage rate — +$1,347 (+115%) since Jan 2020.
- 1 year
- Up $5,819 +1%
- $473,124$478,942 since Sep 2025
- 5 years
- Up $64,083 +15%
- $414,859$478,942 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Gulf Breeze$2,514
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 24 years.
Typical home values in Gulf Breeze, FL rose 1.2% over the past year — in step with the nation.
Asking rents in Gulf Breeze, FL rose 2.8% over the past year — in step with the nation.
Owning the typical home in Gulf Breeze runs $1,180/mo more than renting one. The gap peaked at $1,454 in May 2024.
That is $3,255 a month against $2,075 rent: a $2,514 mortgage payment, plus $229 property tax and $513 insurance & upkeep.
Owning vs renting — Gulf Breeze
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,255
- Renting$2,075
- Mortgage only$2,514
Property tax · $229/mo 0.57% of value a year — the ACS 2020-2024 median bill over the median home value for Santa Rosa County, FL
Insurance & upkeep · $513/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Gulf Breeze, Santa Rosa County, Florida
Gulf Breeze is a city of 6,302 people in Santa Rosa County. Half its households earn more than $104,050 a year and half less, against $91,922 across Santa Rosa County; 6% of its people live below the poverty line. 78% of its homes are lived in by their owners and 22% are rented. Unemployment in Santa Rosa County was 4.8% in August 2026, and the county had 2.3% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Gulf Breeze is a small city in Santa Rosa County, and most homes in it are lived in by their owners. Household incomes run above the county's, and a good share of adults hold a four-year degree. Homes and rents here cost a fair amount, and winters are mild, with summers that turn hot and a lot of rain through the year.
Work. Residents work mostly in schools, hospitals and social care, in professional and business services, and in shops. Publix Super Markets and Walmart are among the largest workplaces in town, along with the National Park Service. A fair number of people work from home, and the typical commute is a moderate one.
Things to do. Naval Live Oaks Reservation is a park in or beside town, handy for a walk under the trees. A short drive away are the National Naval Aviation Museum and Fort Pickens, a fort with a long history. Farther afield, the Perdido River is a longer drive away.
Report a mistake
- 2,802households
- 57%of adults have a degree
- 6%below the poverty line
- 24 mintypical commute
- 16%work from home
What residents work in
Employed residents by industry, from the Census survey. Santa Rosa County had 44,562 jobs in 2025, 2.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 63° and lows near 44°; warmest in July, with highs near 92° and lows near 75°. About 68 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Pensacola Regional Airport weather station, 8 miles away (NOAA).
Largest employers in Gulf Breeze
- Hampton Inn450
- Andrews Research and Education Institute421
- Gulf Breeze Hospital402
- Andrews Orthopedics and Sports270
- Publix150
- City of Gulf Breeze141
- AppRiver114
- Exos99
From the City of Gulf Breeze’s annual financial report for 2025, its schedule of principal employers (its source: “Haas Center for Business Research and Economic Development”), as Florida’s Auditor General publishes it: the report. Employees as the report counts them.
Natural hazards
- HurricanesVery high
- LightningVery high
- Coastal floodingRelatively high
- TornadoesRelatively high
- Heat wavesRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Gulf Breeze’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Santa Rosa County and the Pensacola-Ferry Pass-Brent, FL metro.
Gulf Breeze home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Gulf Breeze$478,942
- Florida$375,361
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Gulf Breeze listings, and the typical home goes pending in 38 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Gulf Breeze26.70%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Gulf Breeze38
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Gulf Breeze413
New listings per month
Sellers arriving at the market.
- Gulf Breeze101
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Gulf Breeze$449,736
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Gulf Breeze97.49%
Zip codes with a Gulf Breeze address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Gulf Breeze — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Gulf Breeze
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 32563 | Gulf Breeze | 30,364 | $2,010 | $403,500 |
| 32561 | Gulf Breeze | 9,321 | $2,528 | $683,136 |