32641 — Alachua County, Florida Market Snapshot
Housing market data for zip code 32641 in Alachua County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$202,117
Days to Sell
50
Homes Sold
28
Inventory
39
Sale-to-List
96.5%
New Listings
39
Price/SqFt
$182
Pending Sales
32
Conforming Loan Available
Most homebuyers in 32641 can comfortably use conventional financing. The median home price of $202,117 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
32641's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 32641 sells for 3.5% below asking price (96.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32641 can comfortably use conventional financing. The median home price of $202,117 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 32641 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 32641
To purchase the median home at $202,117 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,699.
Monthly Payment
$1,699
Income Required
$72,795
Principal & Interest
$1,245/mo
Down Payment (5%)
$10,106
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 32641.
Estimated Monthly Payment
$1,401
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 32641. Tell us what you're looking for.