32605 — Alachua County, Florida Market Snapshot
Housing market data for zip code 32605 in Alachua County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
92 sales in 2026 (year to date)
Median Sale Price
$352,500
Days to Sell
23
Homes Sold
92
Inventory
72
Sale-to-List
97.8%
New Listings
117
Price/SqFt
$204
Pending Sales
106
Conforming Loan Available
Most homebuyers in 32605 can comfortably use conventional financing. The median home price of $352,500 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 32605 are moving quickly at 23 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 32605 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32605 can comfortably use conventional financing. The median home price of $352,500 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 32605 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 32605
To purchase the median home at $352,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,851.
Monthly Payment
$2,851
Income Required
$122,175
Principal & Interest
$2,172/mo
Down Payment (5%)
$17,625
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 32605.
Estimated Monthly Payment
$2,332
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