Market analysis · July 2026
Indian River County housing market
Sales up 15% on a flat median — reported here from aggregator data only, because no county MLS report was publicly reachable.
Florida, July 2026
| Measure | Figure | Change and period |
|---|---|---|
| Median sale price, single-family | $425,000 | +3.7% year over year |
| Median sale price, condo and townhouse | $295,000 | unchanged year over year |
| Closed sales, single-family | 23,870 | +5.1% year over year |
| Closed sales, condo and townhouse | 8,194 | +11% year over year |
| Months' supply, single-family | 4.5 months | no change figure published |
| Months' supply, condo and townhouse | 7.8 months | no change figure published |
| 30-year fixed mortgage rate | 6.76% | no change figure published week ending 10 Sept. 2026 |
One thing that is widely reported and is not what this data shows
The common claim: Florida condo inventory has surged because of the post-Surfside reserve requirements.
What these figures show: In July 2026, condo active inventory fell year over year in every South Florida county in this register. Condo weakness appears in median price, days to contract and months of supply, not in a rise in listings.
A driver that is documented and dated: Fannie Mae and Freddie Mac eliminated the limited review option for many condo loans on 3 Aug. 2026, and many existing Miami condominium buildings lack FHA approval.
Indian River County housing market, July 2026
Sales up 15% on a flat median — reported here from aggregator data only, because no county MLS report was publicly reachable.
Estimates only. No county-level Realtor association report was publicly reachable for this county, so what follows is aggregator data. It is a different and weaker measurement than the association figures shown for other counties, and it is labelled as such throughout.
| Measure | Figure | Change and period |
|---|---|---|
| Median sale price, all property types | $381,880 | +1.8% year over year July 2026 ALL PROPERTY TYPES COMBINED. Not comparable with the single-family medians reported for other counties in this register. |
| Median price per square foot | $225 | +2.7% year over year July 2026 |
| Closed sales, all property types | 330 | +15.0% year over year July 2026 All property types combined. |
| Median days on market | 93 days | unchanged year over year July 2026 |
| Sales above list price | 8.7% of sales | 3.2 points lower year over year July 2026 |
| Active listings | 1,408 | no change figure published July 2026 Single-family and condo/townhome combined; excludes pending. |
Insurance
| Measure | Figure | Change and period |
|---|---|---|
| Average homeowners insurance premium | $4,334 | no change figure published as of 31 Mar. 2026 Including wind. $2,744 excluding wind. |
| Average condo unit-owner insurance premium | $2,086 | no change figure published as of 31 Mar. 2026 Condo unit-owner, including wind. $1,424 excluding wind. |
What this page does not report
These figures could not be sourced for Indian River County from a citable public source for July 2026, so they are not published here rather than estimated:
- Median price split by single-family and condo.
- Closed sales split by property type.
- Days on market split by property type.
- Months of supply, either segment.
- Median percent of original list price. An available sale-to-list ratio is a different metric over a different month and is deliberately not used.
- Year-over-year change in active inventory.
Works Cited
- “Housing Inventory: Active Listing Count in Indian River County, FL (ACTLISCOU12061).” FRED, Federal Reserve Bank of St. Louis, 7 Aug. 2026, fred.stlouisfed.org/series/ACTLISCOU12061. Accessed 10 Sept. 2026. Data from Realtor.com, "Housing Inventory Core Metrics." Counts active single-family and condo/townhome listings; excludes pending.
- “Indian River County, FL Housing Market.” Redfin, www.redfin.com/county/466/FL/Indian-River-County/housing-market. Accessed 10 Sept. 2026.
- Yaworsky, Michael. “Property Insurance Stability Report.” Florida Office of Insurance Regulation, 1 July 2026, floir.gov/docs-sf/default-source/property-and-casualty/stability-unit-reports/july-2026-isu-report.pdf. Accessed 10 Sept. 2026. Premium figures in this report are stated as of 31 Mar. 2026.
Figures describe July 2026 and were compiled on 2026-09-10. Florida Realtors releases August 2026 county data on 16 September 2026. Market data is historical reporting, not a forecast, and nothing here is a prediction about what any individual property will sell for. Jacob Campbell is a Florida real estate sales associate and is not an attorney, CPA, lender, appraiser, home inspector or insurance agent.
Working in Indian River County
I am a licensed Florida sales associate and can work anywhere in the state, but Indian River County is not one of the markets I am in week to week. For a transaction here I would either work it directly or place you with an agent who is already in this market through The Keyes Company, depending on which actually serves you better — and I will tell you which I think it is.