32609 — Alachua County, Florida Market Snapshot
Housing market data for zip code 32609 in Alachua County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$233,500
Days to Sell
38
Homes Sold
34
Inventory
35
Sale-to-List
98.1%
New Listings
50
Price/SqFt
$183
Pending Sales
42
Conforming Loan Available
Most homebuyers in 32609 can comfortably use conventional financing. The median home price of $233,500 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
32609's market is balanced with homes taking an average of 38 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 32609 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 32609 can comfortably use conventional financing. The median home price of $233,500 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 32609 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 32609
To purchase the median home at $233,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,939.
Monthly Payment
$1,939
Income Required
$83,100
Principal & Interest
$1,439/mo
Down Payment (5%)
$11,675
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 32609.
Estimated Monthly Payment
$1,595
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