32601 — Alachua County, Florida Market Snapshot
Housing market data for zip code 32601 in Alachua County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$337,500
Days to Sell
25
Homes Sold
38
Inventory
69
Sale-to-List
94.0%
New Listings
77
Price/SqFt
$233
Pending Sales
58
Conforming Loan Available
Most homebuyers in 32601 can comfortably use conventional financing. The median home price of $337,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 32601 are moving quickly at 25 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 32601 sells for 6.0% below asking price (94.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32601 can comfortably use conventional financing. The median home price of $337,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 32601 are set at the county level.
2026 Loan Limits — Alachua County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 32601
To purchase the median home at $337,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,736.
Monthly Payment
$2,736
Income Required
$117,249
Principal & Interest
$2,080/mo
Down Payment (5%)
$16,875
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 32601.
Estimated Monthly Payment
$2,239
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