House Prices

House Prices & Home Values Jay, FL 2026


Average Data

average house price$170,950
average size per house1534 ft²
average price per ft²112 $ / ft²

04/04/2026 - The value range (VR) for house prices in Jay, FL is $127/ sqft to $127/ sqft. An average home with 1534 sqft costs approximately $194,818 to $194,818. Jay, FL includes 1 ZIP codes and it is located in Santa Rosa county. The lowest prices are found in ZIP 32565, while the highest are in ZIP 32565. The average price per sqare feet is $112. Our analysis is based on 6 property listings.

Avergage prices by ZIP codes Jay

32565131 $ / ft²




Historical development of home values in Jay

Year Estimated value (USD) Change vs. 2025
2010 $79,392 -53.6%
2011 $76,322 -55.4%
2012 $76,117 -55.5%
2013 $78,962 -53.8%
2014 $82,888 -51.5%
2015 $87,142 -49.0%
2016 $91,690 -46.4%
2017 $96,639 -43.5%
2018 $101,981 -40.3%
2019 $106,710 -37.6%
2020 $112,227 -34.4%
2021 $127,646 -25.3%
2022 $148,806 -13.0%
2023 $156,923 -8.2%
2024 $166,001 -2.9%
2025 $170,950 0.0%

Graph: estimated home values in Jay over time (USD)



Example: 100% financing house in Jay

Loan amount: $170,950

Interest rate: 6.00%

Fixed monthly payment: $1,024.93

Breakdown in the 1st month:
Interest portion: $854.75  –  Principal portion: $170.18

Yearly breakdown (100% financing)

Year Interest per year ($) Principal per year ($) Remaining balance at year-end ($)
1 $10,199.89 $2,099.29 $168,850.71
2 $10,070.41 $2,228.77 $166,621.95
3 $9,932.95 $2,366.23 $164,255.72
4 $9,787.00 $2,512.17 $161,743.54
5 $9,632.06 $2,667.12 $159,076.42
6 $9,467.56 $2,831.62 $156,244.80
7 $9,292.91 $3,006.27 $153,238.53
8 $9,107.49 $3,191.69 $150,046.84
9 $8,910.63 $3,388.55 $146,658.29
10 $8,701.63 $3,597.55 $143,060.75
11 $8,479.75 $3,819.43 $139,241.31
12 $8,244.17 $4,055.01 $135,186.30
13 $7,994.07 $4,305.11 $130,881.19
14 $7,728.54 $4,570.64 $126,310.55
15 $7,446.63 $4,852.55 $121,458.00
16 $7,147.34 $5,151.84 $116,306.16
17 $6,829.58 $5,469.60 $110,836.56
18 $6,492.23 $5,806.95 $105,029.60
19 $6,134.07 $6,165.11 $98,864.49
20 $5,753.82 $6,545.36 $92,319.13
21 $5,350.11 $6,949.07 $85,370.06
22 $4,921.51 $7,377.67 $77,992.40
23 $4,466.47 $7,832.71 $70,159.69
24 $3,983.37 $8,315.81 $61,843.88
25 $3,470.47 $8,828.71 $53,015.16
26 $2,925.93 $9,373.25 $43,641.91
27 $2,347.81 $9,951.37 $33,690.54
28 $1,734.03 $10,565.15 $23,125.40
29 $1,082.40 $11,216.78 $11,908.61
30 $390.57 $11,908.61 $0.00

Note: The calculation is based on a standard annuity mortgage with a fixed monthly payment over the entire term. Extra payments, interest rate changes, and additional purchase costs (e.g. taxes, notary fees) are not included.


How to sell in Jay, FL


1500 sqft3900 sqft
Ø selling price$203,281$432,433
Ø fast selling$184,801$389,189
Ø high price sale$221,761$475,676

In 2026, houses in Jay, FL will be offered at an average price of $112 per square foot. A 1,500 sqft home priced at $203,281 is 23.60% more expensive per square foot than a 3,900 sqft home priced at $432,433. Home prices in Jay, FL vary significantly depending on the neighborhood and location. For a quick sale, a 2,700 sqft home should be listed at around $299,376. Sellers who can wait longer may achieve a higher price of up to $365,905.


Discover Jay, FL

Location & Community

Jay, Florida is a small town in northern Santa Rosa County near the Alabama line, about an hour from Pensacola.
Its rural setting offers quiet, small-town charm with convenient access to the Gulf Coast employers and beaches.

Outdoor Recreation & Nature

Outdoor enthusiasts enjoy proximity to Blackwater River State Forest for hiking, paddling, and wildlife viewing.
Local farms, rolling fields, and scenic backroads make Jay ideal for leisurely drives, birding, and photography.

Economy, Agriculture & Jobs

Agriculture anchors the economy, with peanuts, cotton, and timber supported by related agribusiness services.
Many residents also commute to nearby Milton and Pensacola for healthcare, manufacturing, and military jobs.

Housing, Cost of Living & Schools

Jay offers a lower cost of living than coastal cities, with single-family homes, acreage, and farm properties appealing to buyers seeking space.
Families appreciate the close-knit schools in the Santa Rosa County School District and community-focused programs.

Events, Dining & Things to Do

Signature events like the Jay Peanut Festival showcase local heritage, food, crafts, and live music each fall.
Around town, you?ll find Southern-style eateries, seasonal produce stands, and access to fishing, hunting, and weekend road trips.



FAQ – Home Values in Jay

What is the median home value in Jay in 2026?

In 2026, the typical home value in Jay is about $170,950 for an average home size of 1534 square feet. This corresponds to an average price of roughly $112 per square foot.

What is the average cost per square foot in Jay?

In 2026, homes in Jay sell for an average of around $112 per square foot, with a typical range between $127 and $127 per square foot, depending on the property’s location, condition, and lot size.

What is the average home size in ?

The average home size in Jay is about 1534 square feet, with an estimated 2026 value around $170,950.



Locations close to Jay, FL

Navarre, FL176 $ / ft²
Laurel Hill, FL102 $ / ft²
Mc David, FL196 $ / ft²
Holt, FL156 $ / ft²
Gulf Breeze, FL456 $ / ft²
Miramar Beach, FL680 $ / ft²
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