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Market Snapshot

Median listing price
$599K

The median listing price in Ponte Vedra, FL ZIP 32081 is $599,450 as of June 2026.

Median rent
$3,300/mo

The median market rent in Ponte Vedra, FL ZIP 32081 is $3,300/month as of June 2026.

Days on market
604 days

The median days on market in Ponte Vedra, FL ZIP 32081 is 604 days as of June 2026. The market is currently neutral.

Gross rental yield
6.61%

At a median list price of $599,450 and a median rent of $3,300/month, the gross rental yield in Ponte Vedra, FL ZIP 32081 is 6.61% as of June 2026.

Ponte Vedra, FL 32081 Real Estate Market Report

ZIP Code: 32081

Report Date: June 2026

Market Temperature:
NEUTRAL

Scope: This ZIP code analysis focuses on single-family residential (SFR) properties. Metrics are calculated from recent sales and active listings within the past 90 days.


Market Overview

This analysis is based on a sample of properties from this ZIP code (up to 200 sold properties and up to 100 active properties). The median prices below are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

Analysis Window
90 Days
Total Properties Analyzed
257
Active Listings
107
Sold Properties
150

Market Metrics

Median Listing Price
$599,450
Median Sold Price
$669,000
Median Price per Sqft
$282/sqft

The property counts shown above represent only the properties analyzed in this report sample, not the total inventory for this ZIP code. Median prices are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.


Rental Market

Median Market Rent
$3,300

Note: The relationship between property values and rental rates reflects different market dynamics. Higher-priced properties may have lower rental yields due to factors such as luxury market positioning, owner-occupancy preferences, or long-term appreciation strategies rather than immediate rental income maximization.


Property Taxes

Property Tax Rate
1.05%

Liquidity & Velocity

Median Days on Market
604
Sale-to-List Ratio
100.0%

Note: A Sale-to-List Ratio near 100% can occur when properties sell at or near their final listing price after price adjustments during the listing period, even when initial listing prices differ significantly from sale prices.


Market Trends & Context

Understanding Market Temperature

A Neutral market indicates balanced conditions where neither buyers nor sellers have a strong advantage, typically characterized by flat price trends, extended but stable days on market, and moderate inventory relative to sales.

Price YoY Trend
flat
Market Temperature
neutral
Rent YoY Trend
up
Interest Rate Pressure
elevated

Current Mortgage Rate Context

Market-level mortgage rate comparison for this area:

Current 30-year fixed mortgage rates in Ponte Vedra FL are averaging 6.4%, reflecting a stable market environment for property owners in this area compared to earlier 2026 fluctuations.

Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.


Key Findings

  1. The primary market signal is the median sold price of $669,000, which indicates recent transaction values are above asking price levels implied by the median listing price of $599,450; this gap suggests pricing friction between seller expectations and closed transactions and may indicate selective bidding on well-positioned SFR and condo listings. flat
  2. Liquidity appears slow given a median days on market of 604, which points to extended listing durations and suggests pricing sensitivity—sellers may need to prioritize presentation, targeted pricing, or concessions to achieve timely closings.
  3. Market-level trends are neutral: the price year-over-year trend is flat while the market temperature is neutral, indicating balanced negotiation leverage between buyers and sellers and limited directional momentum for near-term appreciation.
  4. Rising rental demand and interest-rate pressure create mixed signals: median market rent is $3,300 and the rent year-over-year trend is up, while interest rate pressure is elevated and local 30-year fixed rates are averaging 6.4%, implying investors and owner-occupiers should weigh higher financing costs against stronger rent fundamentals when evaluating acquisitions or hold/exit timing.

Notable Properties

The following 8 properties represent notable market examples and recent transactions that illustrate key market dynamics. These are illustrative examples selected for their significance (top sales, market benchmarks, quick sales) and are not the basis for the statistical calculations shown above.

Recent Transactions

432 Aj Mills Rd, Ponte Vedra, FL 32081
Top Sale

Highest sale in the past 90 days. Fully renovated with modern finishes and premium lot positioning.

6 beds6.5 baths6,711 sqft
$2,700,000
May 1, 2026
$402/sqft/sqft
641 days on market
411 Ranch Rd, Ponte Vedra, FL 32081
Premium

Sold above market average

4 beds4.5 baths3,961 sqft
$2,425,000
Mar 1, 2026
$612/sqft/sqft
406 days on market
465 Deer Valley Dr, Ponte Vedra, FL 32081
Premium

Sold above market average

6 beds6.5 baths5,845 sqft
$2,050,000
Apr 1, 2026
$351/sqft/sqft
3291 days on market
38 Somerville Dr, Ponte Vedra, FL 32081
Market Benchmark

Representative market sale establishing baseline for properties in the core neighborhood.

3 beds2 baths2,168 sqft
$650,000
May 1, 2026
$300/sqft/sqft
1058 days on market
268 Palm Breeze Dr, Ponte Vedra, FL 32081
Market Benchmark

Representative market sale establishing baseline for properties in the core neighborhood.

5 beds4 baths2,825 sqft
$650,000
May 1, 2026
$230/sqft/sqft
2917 days on market
34 Seawatch Ln, Ponte Vedra, FL 32081
Market Benchmark

Representative market sale establishing baseline for properties in the core neighborhood.

3 beds2 baths2,155 sqft
$649,000
Mar 1, 2026
$301/sqft/sqft
425 days on market
285 Cool Springs Ave, Ponte Vedra, FL 32081
Value

Sold below market average

2 beds2 baths1,505 sqft
$364,100
May 1, 2026
$242/sqft/sqft
240 W Silverthorn Ln, Ponte Vedra, FL 32081
Value

Sold below market average

3 beds2 baths1,584 sqft
$360,000
Mar 1, 2026
$227/sqft/sqft

Investment Analysis

Compare rental income potential against ownership costs and benchmark against market averages.

Rent vs Cost to Own

Monthly rental income vs estimated ownership cost

-$874/mo
32081 Avg Rent
32081 Cost to Own
Rent$3,300
Own$4,174

20% down, 6.53% rate, 1.1% tax

Data Sources

Real estate market data & public records, and GemHaus® proprietary models.

Report generated: 6/1/2026

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