Inlet Beach, Florida.
Typical home $1,437,581 (+3.7% in a year), asking rent $3,169 (+10.5%). Crestview-Fort Walton Beach-Destin, FL metro.
to buy the typical home at today's mortgage rate — +$4,240 (+128%) since Jan 2020.
- 1 year
- Up $51,195 +4%
- $1,386,386$1,437,581 since Sep 2025
- 5 years
- Up $109,617 +8%
- $1,327,965$1,437,581 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.
- Inlet Beach$7,546
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 44 years.
Typical home values in Inlet Beach, FL rose 3.7% over the past year — faster than the nation's +1.2%.
Asking rents in Inlet Beach, FL rose 10.5% over the past year — faster than the nation's +2.7%.
Owning the typical home in Inlet Beach runs $6,451/mo more than renting one. The gap peaked at $6,697 in May 2025.
That is $9,621 a month against $3,169 rent: a $7,546 mortgage payment, plus $536 property tax and $1,539 insurance & upkeep.
Owning vs renting — Inlet Beach
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$9,621
- Renting$3,169
- Mortgage only$7,546
Property tax · $536/mo 0.45% of value a year — the ACS 2020-2024 median bill over the median home value for Walton County, FL
Insurance & upkeep · $1,539/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 Inlet Beach, Walton County, Florida
The Census does not count Inlet Beach on its own, so the figures here are Walton County's. Half the county's households earn more than $81,986 a year and half less; 12% of the county's people live below the poverty line. 79% of the county's homes are lived in by their owners and 21% are rented. Unemployment in Walton County was 4.3% in August 2026, and the county had 1.8% more jobs in 2025 than the year before. The most people in Walton County work in professional services, then schools and health care.
Written by AI Claude Haiku 5.5 wrote this on 22 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. Inlet Beach sits on Florida's Gulf coast in Walton County, in the Panhandle. Winters are milder than in most of the country, summers are hot, and rain falls often, so the land stays green for much of the year. Homes are mostly lived in by their owners, and home prices and rents run high compared with most of the country.
Work. Across Walton County, most people work in professional and business services, in schools, hospitals and social care, in restaurants, hotels and entertainment, or in shops. Unemployment is low, though it has crept up over the past year while the number of jobs has grown slightly. Fewer adults hold a college degree than across the country as a whole.
Things to do. Grayton Beach State Park, a protected area, lies in or beside town and is the easiest place to get outdoors. Eden Gardens State Park, a botanical garden, is a short drive away. The Man in the Sea Museum, also a short drive away, covers diving and the sea.
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- 34,362households
- 43.9median age
- 35%of adults have a degree
- 12%below the poverty line
- 29 mintypical commute
- 16%work from home
What people in Walton County work in
Employed residents by industry, from the Census survey. Walton County had 35,416 jobs in 2025, 1.8% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 63° and lows near 42°; warmest in July, with highs near 91° and lows near 73°. About 60 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Northwest Florida Beaches International Airport weather station, 15 miles away (NOAA).
Largest employers in Walton County
- Walton County School Board1,955
- Walton County Government1,333
- Sandestin Golf and Beach Resort962
- Sacred Heart Hospital of the Emerald Coast880
- Publix Super Markets (multiple locations)695
- Watercolor Inn and Resort668
- Hilton Sandestin Beach and Golf Resort485
- Wal-Mart Super Center (multiple locations)467
From Walton County’s annual financial report for 2024, its schedule of principal employers, as Florida’s Auditor General publishes it: the report. Employees as the report counts them.
Natural hazards
- HurricanesRelatively high
- LightningRelatively high
- TornadoesRelatively moderate
- Coastal floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Walton County, against the rest of the country; all of them together, relatively moderate. 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 Walton County and the Crestview-Fort Walton Beach-Destin, FL metro.
Inlet Beach home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Inlet Beach$1,437,581
- Florida$375,361
- United States$366,157
Sellers are cutting prices on about 1 in 6 Inlet Beach listings, and the typical home goes pending in 64 days — the market is heating up.
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.
- Inlet Beach15.52%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Inlet Beach64
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Inlet Beach443
New listings per month
Sellers arriving at the market.
- Inlet Beach68
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Inlet Beach95.26%
Zip codes with a Inlet Beach address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Inlet Beach — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.