The story of this market
The typical home in ZIP 32449 sells for about $181,300, or $106 per square foot.
Prices are roughly flat from a year ago (+0.9%), a market in balance. Homes take about 99 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,250 a month.
ZIP 32449 — Wewahitchka
The housing market in 32449 is characterized by low turnover and high inventory relative to sales, resulting in a buyer-favorable environment. Prices have remained relatively stable with minimal year-over-year growth, reflecting the rural nature of the local economy. High days on market and significant months of supply indicate a slow-moving market with limited immediate upward price pressure.
This ZIP is best suited for those seeking affordable, rural living, outdoor enthusiasts interested in river and lake access, and local workers in agriculture or regional services.
Median prices moved up 0.9% year over year.
Homes spend a median of 99 days on market with 14.9 months of supply — a slower-moving market.
30% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 20.6% · poverty 47.5% — elevated distress and economic pressure.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.2%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net outflow — more people moved out than in
ZCTA 32449, Calhoun County FL
The area is subject to hurricane and wind risks common to the Florida Panhandle, with insurance availability and premium costs being a significant factor for property owners.
Economic momentum is limited, with the area serving primarily as a rural residential and agricultural hub in the Florida Panhandle.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Florida) — Statewide Uniform Property Tax Lien Priority & Tax Deed Sale Enforcement: Unpaid real ad valorem and non-ad valorem taxes become a first-priority sovereign lien on January 1 of the tax year, superior to all mortgages and private liens. If unpaid by April 1 following the tax year, tax certificates are sold via competitive bidding under § 197.432. State (Florida) — Community Development District (CDD) Special Assessment & Financing Lien Mandate: Binds the parcel to non-ad valorem assessments levied directly by the CDD board to fund infrastructure bonds (capital assessments) and operations/maintenance (O&M assessments). State (Florida) — Florida Constitutional Homestead Exemption & Save Our Homes (SOH) Assessment Cap: Reduces taxable value by up to $50,000: base $25,000 exemption applies to all taxing authorities (including school districts); second $25,000 exemption applies to assessed value between $50,000 and $75,000 for non-school millage. State (Florida) — Florida Ad Valorem Real Property Assessment & Tax Mechanics: Parcels are assessed annually at 100% just value (market value) as of January 1 by county property appraisers. Tax formula: Tax Bill = (Taxable Value / 1,000) * Total Levied Millage Rate. Assessed Value = Just Value - Assessment Limitations.
Commutes are primarily car-dependent, with residents traveling to regional employment centers in nearby larger cities via state highways.
The area is known for its proximity to the Dead Lakes and the Apalachicola River, offering significant opportunities for fishing, boating, and outdoor recreation.
The rental market is characterized by limited inventory and modest demand, with a high share of single-family homes and few large-scale apartment complexes.
The local economy is largely driven by agriculture, forestry, and regional government services.
Transportation is dominated by private vehicle use on state and county road networks; there is no significant public transit infrastructure.
Development activity is primarily focused on low-density residential and agricultural land use.
The Calhoun County Property Appraiser manages assessments, focusing on agricultural exemptions and homestead protections.
Parcels are subject to Calhoun County School District and local water management district levies.
Property insurance markets in the Florida Panhandle remain challenging due to high exposure to wind and storm surge events.
Florida is a judicial foreclosure state, requiring court intervention for the foreclosure process.
Florida law requires sellers to disclose known material defects that are not readily observable to a buyer.
Data retrieved from US Census Bureau ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
A unique ecosystem popular for fishing and boating.
Major regional waterway providing recreational access.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.