32140 — Clay County, Florida Market Snapshot
Housing market data for zip code 32140 in Clay County, Florida. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Clay County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$454,000
Days to Sell
1
Homes Sold
1
Inventory
13
Conforming Loan Available
Most homebuyers in 32140 can comfortably use conventional financing. The median home price of $454,000 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
32140 is an extremely competitive market with homes selling in just 1 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 32140 can comfortably use conventional financing. The median home price of $454,000 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 32140 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 32140
To purchase the median home at $454,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,628.
Monthly Payment
$3,628
Income Required
$155,503
Principal & Interest
$2,797/mo
Down Payment (5%)
$22,700
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 32140.
Estimated Monthly Payment
$2,960
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