As someone deeply embedded in the Northeast Florida real estate landscape, I see firsthand how Florida’s so-called “great housing mismatch” is unfolding in our communities. Even in vibrant markets like St. Augustine and St. Johns County, a real challenge emerges when available homes simply don’t align with what today’s buyers actually need—whether it’s budget, lifestyle, or location. Florida provides an early glimpse of what happens when an owner-heavy, aging market produces homes that aren’t quite a fit for the next generation.

Affordability here is about far more than just the sticker price. Factors like insurance, association dues, maintenance, storm risk, and even the need for a car all shape whether a home truly works for a buyer’s financial and personal situation. As I advise clients—whether they’re seeking a waterfront retreat, a historic home, or a downsized haven—I’m reminded how important it is for established neighborhoods to offer a range of options. The ability to move within your community, from larger homes to smaller cottages, townhouses, or accessory dwellings, makes a world of difference for families at every stage.

Looking ahead, the real test for Florida will be whether the next wave of buyers can and will absorb both inherited and new homes—especially if broader choices across price, size, and location aren’t available. As always, my approach is driven by careful market intelligence and a commitment to helping clients navigate these complexities with clarity and confidence.