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Stuart is part of Florida's Treasure Coast residential market — coastal access at price points well below South Florida luxury, drawing retirees, snowbirds, and families relocating from the Northeast and Midwest.
Stuart sits within Florida's Treasure Coast — a quieter coastal corridor running north of Palm Beach County. The market is defined by lower price points than South Florida luxury markets, strong retiree and second-home buyer flow, and growing new-construction activity in master-planned communities.
Stuart's market runs on high price points, and a split gets expensive fast here. At Martin County's single-family median of $655,000 (MIAMI REALTORS, June 2026), a 3% side is about $19,650 gross commission — and a 25% house split hands the brokerage nearly $4,900 of it. Every deal. At the waterfront tier, where Sewall's Point and Sailfish Point trade in the millions, that split becomes a five-figure tax on a single closing. At Gromadzki, the same closing costs a flat $499, whether it's a downtown bungalow or a Hutchinson Island estate.
Retiree-relocation specialists, second-home agents, snowbird specialists, and multi-tier generalists serving the broader Treasure Coast.
Treasure Coast markets like Stuart offer affordable coastal access compared to South Florida luxury markets. Volume is moderate, retiree relocations are steady, and the flat-fee model especially benefits agents working multiple Treasure Coast cities under one license.
Sources: MIAMI REALTORS + RWorld / MIAMI MLS + BeachesMLS, Martin County single-family report (June 2026); months of supply per Martin County March 2026 report; cash share per The Haigh Group Q2 analysis (2025). County single-family data used as the anchor; city-level portal medians diverge by property-mix window.
Stuart — the Martin County seat and self-styled "Sailfish Capital of the World" — sits on the Treasure Coast, and its market has settled into a firm, price-supported balance. The countywide single-family median reached $655,000, up about 1.1% year over year (MIAMI REALTORS, June 2026), a figure cross-confirmed by regional reporting the same month (WFLX, July 2026). Homes are taking a median 74 days to sell, up from roughly 50 a year earlier (Redfin/MIAMI MLS, June 2026), and months of supply has landed near 4.4 after falling from 6.2 the prior year (Martin County report, March 2026) — squarely balanced territory.
Volume is the story underneath the flat median: total home sales rose 21.8% year over year in June 2026, the third straight month of gains, with single-family transactions up 11.3% and condo sales up 47% (MIAMI REALTORS, June 2026). A local agent quoted in regional coverage framed it plainly — increases are "being driven by low supply and high demand," with the market "balanced for both buyers and sellers" (WFLX, July 2026). Translation for agents: deals are absolutely happening, but at these price points every one takes real pricing skill, longer marketing, and patient negotiation.
The headline median hides Stuart's biggest strategic fact. Countywide, single-family homes carry a roughly $575,000 median while condos and townhomes sit near $320,000 (Broker One/MIAMI MLS, August 2026), and the two segments are moving in opposite directions. Single-family supply is tight and prices are firm; the condo side saw a 47% surge in sales but softening prices in Martin County, with average condo days on market running past 130 (MIAMI REALTORS, June 2026; Broker One, August 2026).
The pressure on older condos is Florida's condo-reserve law, now fully in force. As of January 1, 2026, the grace period ended — buildings three stories and up must complete milestone structural inspections and fully fund reserves, and boards can no longer vote to waive them (Fla. Stat. 718.112). The practical effect has been special assessments reported anywhere from $20,000 to over $400,000 per unit in some buildings (Florida condo-law guides, 2026). Buyers now scrutinize reserve studies and association budgets line by line, well-funded buildings command a premium, and agents who can read a condo budget and explain a special assessment are the ones closing these deals.
Stuart draws a distinct buyer: retirees, second-home owners, and relocation buyers pulled by boating, deep-water access, and a walkable, charming downtown. That demand shows up unevenly across the areas. Sailfish Point, the gated club community on the tip of Hutchinson Island, ran a median around $4.1M ($948/sq ft), 152 days on market, and 5.0 months of supply (Redfin, June 2026). Sewall's Point, the peninsula between the Indian and St. Lucie Rivers, listed waterfront homes at a median near $1.29M (Redfin, mid-2026). North River Shores posted a median around $420,000, up 13% year over year (Redfin, 2026), and Rocky Point — a boating enclave off the St. Lucie Inlet at Manatee Pocket — trades on dock depth and inlet access rather than a single median. Downtown/Old Stuart anchors the walkable, historic core.
Cash reflects the affluent-leaning profile: Martin County's cash share ran near 37% in 2025, down from 48% in 2023 (The Haigh Group, 2025), and stays highest in the waterfront and second-home tiers. Two 2025–26 shifts are reshaping the pitch. First, insurance is finally easing — Citizens filed a statewide average reduction near 8.7% and State Farm about 10.1% for 2026, and Treasure Coast homeowners are stacking 10–15% windstorm savings through Secondary Water Resistance upgrades (Citizens/State Farm filings and Treasure Coast insurance guides, 2026). Second, coastal risk still prices in: buyers weigh flood zones, elevation, and roof age on every waterfront deal.
Here is the 2026 change every Stuart agent needs to know: the Martin County REALTORS of the Treasure Coast (MCRTC) — founded in 1926 — merged into MIAMI REALTORS + RWorld, announced July 24, 2026, completing the Treasure Coast's unification under the world's largest local REALTOR association (MIAMI REALTORS/Florida Realtors, 2026). Stuart listings now flow through MIAMI MLS and BeachesMLS rather than a standalone Martin County system, giving local agents a seamless five-county Southeast Florida MLS network from Martin down through Miami-Dade — a genuine reach advantage for waterfront and second-home buyers shopping the whole coast.
Now the math. An agent closing 10 single-family sides a year at Martin County's $655,000 median grosses about $196,500 at 3% per side. At a 25% split brokerage, roughly $49,000 of that goes to the house — before monthly fees. A 20% split still takes about $39,000. At Gromadzki, those ten closings cost $4,990 flat, and the other $34,000–$44,000 stays with the agent. Work the luxury waterfront tier and the gap widens fast: a single $2M Sewall's Point sale grosses $60,000 at 3%, where a 25% split alone would cost $15,000 versus $499 flat. In a balanced, price-heavy market where every deal takes more work, keeping what you earn per deal matters more, not less.
One simple structure, statewide. $499 per closed deal, $0 monthly, $0 annual — and you keep 100% of your commission on every Stuart transaction.
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