32234 — Clay County, Florida Market Snapshot
Housing market data for zip code 32234 in Clay County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$358,000
Days to Sell
78
Homes Sold
37
Inventory
66
Sale-to-List
96.9%
New Listings
75
Price/SqFt
$158
Pending Sales
59
Conforming Loan Available
Most homebuyers in 32234 can comfortably use conventional financing. The median home price of $358,000 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
With homes sitting for 78 days on average, 32234 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 32234 sells for 3.1% below asking price (96.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32234 can comfortably use conventional financing. The median home price of $358,000 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 32234 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 32234
To purchase the median home at $358,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,893.
Monthly Payment
$2,893
Income Required
$123,981
Principal & Interest
$2,206/mo
Down Payment (5%)
$17,900
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 32234.
Estimated Monthly Payment
$2,366
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