32003 — Clay County, Florida Market Snapshot
Housing market data for zip code 32003 in Clay County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
127 sales in 2026 (year to date)
Median Sale Price
$460,000
Days to Sell
51
Homes Sold
127
Inventory
117
Sale-to-List
98.0%
New Listings
164
Price/SqFt
$212
Pending Sales
146
Conforming Loan Available
Most homebuyers in 32003 can comfortably use conventional financing. The median home price of $460,000 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
32003's market is balanced with homes taking an average of 51 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 32003 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32003 can comfortably use conventional financing. The median home price of $460,000 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 32003 are set at the county level.
2026 Loan Limits — Clay County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $580,750 |
| 2 Units | $1,066,250 | $743,450 |
| 3 Units | $1,288,800 | $898,700 |
| 4 Units | $1,601,750 | $1,116,850 |
Affordability Snapshot — Zip 32003
To purchase the median home at $460,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,674.
Monthly Payment
$3,674
Income Required
$157,473
Principal & Interest
$2,834/mo
Down Payment (5%)
$23,000
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 32003.
Estimated Monthly Payment
$2,997
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