I was reviewing the June '26 statistics from the Emerald Coast Association of Realtors. This  includes Destin, Miramar Beach and Santa Rosa Beach (30A). We've seen a 16.43% increase, year over year, in unit sales, meaning each house, townhome, or condo; an increase in volume of sales of 29.67%, meaning the total dollar amount, and an 18.23% increase in contracts written. Listings taken are pretty flat. As there are less listings, and more sales, prices increase, and it's harder to negotiate better terms, such as a loan buy down, and sellers paying more of the closing costs. Eventually, as gas prices drop and wages increase, it should become a seller's market, with less choices. That's when we see multiple offers and higher prices. Rates aren't great, however, history shows they're not extreme. Obviously, we all would like to see them drop. The good news is, if you make sure you don't have an early payoff penalty, you can refinance within the next few years. At this time some selle5 ...