Miramar Beach, FL Rental Market for Investors
An estimated 22% of Miramar Beach's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of August 2026.
Homes in Miramar Beach that pencil right now
A sample of active Miramar Beach listings whose DSCR clears 1.25 using short-term rental income projections we accept as a direct lender. These are spread across the price range, not ranked, and current as of August 2026.
$519,900DSCR 1.304 bed · 2 bath · 1,707 sqft
- STR revenue
- $65,073/yr
- Est. interest-only payment
- $3,333/mo
On the market 160 days · Listed by Scenic Sotheby's International Realty
Scout this home & market: 4-bed house in Miramar Beach
$590,000DSCR 1.313 bed · 3.5 bath · 1,659 sqft
- STR revenue
- $74,048/yr
- Est. interest-only payment
- $3,778/mo
On the market 32 days · Listed by Dalton Wade Inc
Scout this home & market: 3-bed condo in Miramar Beach
$619,000DSCR 1.283 bed · 2 bath · 2,032 sqft
- STR revenue
- $75,876/yr
- Est. interest-only payment
- $3,963/mo
On the market 80 days · Listed by The Agency Sandestin
Scout this home & market: 3-bed house in Miramar Beach
As of August 2026, we analyzed 698 active for-sale homes in Miramar Beach, Florida. The typical listing is priced at $650,000 and is projected to generate about $63,941 a year as a short-term rental.
After setting aside an estimated 20% for operating costs, an estimated 21.6% of those homes could still cover an investor mortgage payment on short-term-rental income — below the 52.5% median across the 200 major metros we track, ranking Miramar Beach #185 of 200 for cash-flow potential.
On market momentum: homes in Miramar Beach sit a median of 127 days on the market, and 12% of active listings came on in just the last 30 days — a slower-moving market, which shapes how much room there is to negotiate.
For a DSCR loan — which qualifies on the property's rental income rather than your personal income — Miramar Beach runs tighter once operating costs are accounted for: many listings need a below-median price, a stronger short-term-rental setup, or more money down before the income covers the payment. It's a market where running the numbers property-by-property matters.
What actually works in Miramar Beach
Cash-flow is the exception rather than the rule in Miramar Beach right now: 16 of the 593 Miramar Beach homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $784,000.
| Price | 1 bed | 2 bed | 3 bed | 4 bed | 5 bed |
|---|---|---|---|---|---|
| $250k–$350k | 3%0.86 | — | — | — | — |
| $350k–$500k | 0%0.87 | 1%0.84 | 20%1.08 | — | — |
| $500k+ | 0%0.84 | 1%0.76 | 3%0.80 | 5%0.87 | 9%0.72 |
Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.
Miramar Beach in full
| Active for-sale homes analyzed | 698 |
|---|---|
| Median list price | $650,000 |
| Median projected STR revenue (annual, gross) | $63,941 |
| Median average daily rate (ADR) | $347 |
| Median occupancy | 49% |
| Median beds | 2 |
| Median size | 1,370 sqft |
| Estimated cash-flow-positive share | 21.6% |
| Median days on market | 127 days |
| New listings (last 30 days) | 11.7% of active |
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Estimates for educational purposes. Final terms subject to credit, property & program approval.
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