Inlet Beach FL is a small, quaint beach neighborhood located in South Walton County. With its white sandy beaches, crystal clear waters, and laid-back atmosphere, it is the perfect place to call home. Whether you are looking for a primary residence or just a seasonal getaway, Inlet Beach has something for everyone.

However, while buying a house is always an exciting process, it can also be difficult if you do not know where to start. This is especially true for small, but highly sought-after, markets like Inlet Beach.

Lucky for you, we are here to help make the entire process easier for you. In this guide, we will provide you with expert advice and tips on buying real estate in this serene paradise. So, if you are ready to start your journey into homeownership, read on to find out everything you need to know!  

Why Live in Inlet Beach FL

An Inlet Beach vacation is something that many people in Florida would want to experience. How much more if you could live here every day? With its warm climate, small-town feel, and stunning beachfront properties, this neighborhood is one of the most desirable places to live in the Sunshine State.

The main draw for living in this area is definitely its beautiful beaches. Stretching around 13 miles from east to west, Inlet Beach’s Emerald Coast has some of the most stunning beaches on the planet. Whether you are looking for a romantic getaway or just want to relax with your family, these pristine waterfronts will surely provide you with everything you need.

Inlet Beach is also home to plenty of outdoor activities and attractions that make it an ideal place to live. From fishing charters and kayaking to hiking trails and nature walks that will give you a glimpse of its thriving wildlife, you can find something fun to do every day. There are also plenty of restaurants, shops, and other entertainment options available for your enjoyment.

Apart from its beaches and attractions, the neighborhood also has great schools and amenities that make family living a breeze. With its low crime rate and access to quality medical care, it is an ideal place for families who want to settle down and start living their best life.

Moreover, the vacation rental market has always been prosperous in this part of the state. So, if you are planning to buy a home for investment, Inlet Beach FL is definitely an excellent choice. By owning a short-term vacation rental here, you can capitalize on the area’s popularity and generate steady passive income from rent. 

Buying Inlet Beach Real Estate: A Checklist for Buyers and Investors

Now that you are more convinced to live in Inlet Beach Florida, it is time to search for your dream property in this lovely destination. Here is a checklist that you can use.

  • Price Point
  • Location
  • Layout of the Property
  • Condition of the Property
  • Cap Rate

Price Point

The first thing that you have to think about when buying Inlet Beach real estate is the price range that you can afford. This means that you have to set your budget first.

If you are not purchasing the property in cash, then you must get yourself pre-approved for a mortgage loan. This will help you know exactly how much you can borrow, which in turn will inform your budget. When shopping for a mortgage, take the time to compare rates and terms from different lenders. This will help you get the best deal possible.

What Is the Median Home Price in Inlet Beach?

As a sought-after beach destination, Inlet Beach is home to some of the most expensive properties in Florida, with some homes even reaching a price of $22 million. However, this does not necessarily mean you cannot find cheaper properties in the area.

As of June 2023, the median listing home price in Inlet Beach was $2 million, with a median sold home price of $1 million. This means that there are homes available for those who do not have a huge budget. In fact, you can even find properties in the $500k range if you look hard enough.

Once you have your budget set, it is time to start looking for homes that fit within your price point. Also remember to take into consideration all the other costs associated with buying a home, such as closing costs, property taxes, insurance premiums, and utilities so that you can allocate enough money for the entire purchase.


Inlet Beach is divided into multiple distinct sections, with each offering different vibes and amenities that can greatly influence your buying decision.

The eastern part has a more residential feel with single-family homes and condos available for sale. This part of town also offers access to the nearby state forest and nature reserves, making it great for those who love outdoor activities.

The central section is where you will be close to all the action with all sorts of restaurants, bars, and stores. Here, you will find luxury beachfront properties that are perfect for those looking to invest in high-end real estate.

Finally, the western side of the neighborhood offers a quieter atmosphere with plenty of parks and open spaces. It also has some of the most affordable homes in Inlet Beach, making it a great option for first-time buyers who are working with a limited budget.

No matter what part of Inlet Beach you choose, make sure to take your time examining the property’s exact location to ensure that it is right for you. Look into the nearby amenities and attractions, as well as its proximity to schools, transportation hubs, and other facilities that are important to you.  By doing so, you will find a place that is a perfect fit for your lifestyle.

The Layout of the Property

When assessing homes for sale in Inlet Beach, make sure to know about their layouts if possible. This will give you a deeper look into the properties and see if it has all the features to accommodate your needs.

Check the square footage and the floor plan. Take note of how many bedrooms and bathrooms a property has, as well as its living areas, outdoor features, and other things that may be essential for your family.

How about additional creature comforts? A property with its own pool, game room, or a large deck will not only make living here comfortable but also easily increase the property’s value in the future. These features also make your property attractive to potential guests if you choose to make it available for short-term stays!

Condition of the Property

family checking out Inlet Beach real estate with the help of an agent

Keep in mind that houses near the coastline tend to have more wear and tear than non-coastal homes. This is why you must inspect the condition of a property before closing on it.

Check for any water damage, mold, rot, or signs of structural issues, such as cracks in the foundation. Also, investigate if there are any termite infestations or pests that need to be addressed right away. To ensure the property you are interested in buying is in good condition, you should ask for a professional inspection report. This document should contain a detailed assessment of the property’s condition, so you know exactly what to expect and plan for.  

Also, take the time to walk around the property and inspect its exterior. Look into any potential maintenance or repairs that you may need to make in the future, such as painting the walls, fixing the roofing, replacing broken windows and doors, etc.

Cap Rate

If you are planning to buy a property in Inlet Beach for investment purposes, make sure that you understand its cap rate before making the purchase. A property’s cap rate is its potential return on investment based on data, such as rental income and expenses, like taxes and insurance premiums.

If a property was already used as a vacation rental, then it will be easier for you to calculate the cap rate. All you need to do is find out its net operating income and divide it by the purchase price. But if you are the first one to rent it out, then you will have to estimate its rental income and expenses using a market survey or other information available online.

So, for example, you are considering a property that is listed at $1 million and the estimated rental income is $80,000. Then, the cap rate would be 8%. 

Considering that the ideal cap rates for vacation rentals should hover between 8% to 12%, this property should be a good buy for an investment.

Should You Go for Properties with Very High Cap Rates?

While Inlet Beach rentals with very high cap rates mean that they can generate more income, they can also be too risky for some.

This is because properties with high cap rates usually need a lot of work and require constant maintenance. So, you should make sure that you have the resources to handle them before pursuing them as an investment.

You should also take the time to research the rental market in Inlet Beach to further understand the conditions that could potentially affect your rental income. This includes looking into other properties in the area, their rental rates, and how often they get booked to gain an understanding of what you can expect from a potential investment.

To start your search for potential Inlet Beach properties, you can visit this page:

Why Work with an Experienced Real Estate Agent

When it comes to buying a home in Inlet Beach FL, having the assistance of an experienced real estate agent is invaluable. They are knowledgeable about the local market and can provide insight into neighborhoods and properties that you may not otherwise be aware of.

A good real estate agent will listen to your requirements and strive to find the perfect property for you. They provide guidance on financing options and help you navigate the entire process from start to finish. Plus, they can give you access to their network of contacts who may be able to assist in other aspects of your purchase, such as loan officers or attorneys.

Real estate agents also have experience negotiating the best terms with sellers and can often get you a deal that is more favorable than if you were to negotiate on your own. They can provide insight into the terms of making an offer, such as knowing when it is appropriate to include addendums or requests for repairs in the contract.

Finally, having these professionals by your side gives you peace of mind throughout the entire process. They will be there to answer any questions you may have and make sure your purchase is as easy and stress-free as possible.

At the end of the day, working with an agent could be the best thing you can do to ensure a successful purchase of your dream home in Inlet Beach.

Parting Thoughts

Buying a home in Inlet Beach FL can be both exciting and daunting. It is important that you take the time to consider all of your options and do as much research as possible before making any decisions.

By following the tips outlined above, you will be well on your way to finding the perfect home for you and your family. So, take a deep breath and get out there to find the property that will turn your dreams into reality!

For more tips and information that you can use in your house-hunting journey, feel free to check out our other articles!

You may also like

Leave a Reply